Rates verified from official source

Karnataka Grameena Bank
deposit rates

Top FD rate
6.75%
KGB-NIDHI (555 days)* · KGB-NIDHI 555 days
Senior citizen FD
7.25%
KGB-NIDHI (555 days)* · KGB-NIDHI 555 days
1-year FD rank
#9
of 28 public sector banks · 6.75%

Overview

www.kgb.co.in

Karnataka Grameena Bank (KGB) is a nationalised public sector bank, headquartered in Dharwad, established in 2013. Its headline 1-year FD rate of 6.75% is +0.20% above the public sector average of 6.55%, ranking #9 of 28 public sector banks.

Headquarters
Dharwad
Established
2013
Ownership
GoI 50%, Canara Bank 35%, Govt of Karnataka 15%
Operates in
Karnataka
Financial health
Standalone CRAR / NPA figures are not published separately for this bank. Regional rural banks report consolidated under their sponsor bank.
1-year FD rate
6.75%
+0.20% above the public sector average of 6.55%
Peer rank
#9
of 28 public sector banks
Recent movement
unchanged

Rates as of 1 Jan 2026, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.

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Fixed Deposit rates

Rates for deposits below ₹3 crore · General vs Senior · trend over time

3%4%5%6%7% 07 days to 14 days: 3.25% 7–45 days: 3.25% 15 days to 30 days: 3.25% 31 days to 45 days: 3.25% 46 days to 60 days: 4.75% 46–90 days: 4.50% 61 days to 90 days: 4.75% 91 days to 120 days: 4.75% 91–180 days: 5.50% 121 days to 179 days: 4.75% 180 days to 269 days: 5.25% 181 days to < 1 year: 6.00% 270 days to less than 1 year: 5.75% 1 Year only: 6.30% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) Above 1 year upto & inclusive 2 years: 6.50% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 1 year to < 2 years: 6.75% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) KGB-SIRI (444 days)* · KGB-SIRI 444 days: 6.60% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) KGB-NIDHI (555 days)* · KGB-NIDHI 555 days: 6.75% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) Above 2 years upto & inclusive 3 years: 6.50% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 2 years to < 3 years: 6.60% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) Above 3 years upto & inclusive 5 years: 6.40% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 3 years to < 5 years: 6.60% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) KGB-SIRI SAMPATH (1111 days)* · KGB-SIRI SAMPATH 1111 days: 6.50% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) Above 5 years upto & inclusive 8 years: 6.05% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) Tax Saver (5 years period) · Tax Saver FD: 6.40% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 5 years to 10 years: 6.25% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) Above 8 years upto & inclusive 10 years: 6.05% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d7d15d1m2m2m2m3m3m4m6m6m9m1y1y1y444d555d2y2y3y3y1111d5y5y5y8y General Post Office TD Special scheme

Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.

3%4%5%6%7% 07 days to 14 days: 3.75% (General: 3.25%) 7–45 days: 3.75% (General: 3.25%) 15 days to 30 days: 3.75% (General: 3.25%) 31 days to 45 days: 3.75% (General: 3.25%) 46 days to 60 days: 5.25% (General: 4.75%) 46–90 days: 5.00% (General: 4.50%) 61 days to 90 days: 5.25% (General: 4.75%) 91 days to 120 days: 5.25% (General: 4.75%) 91–180 days: 6.00% (General: 5.50%) 121 days to 179 days: 5.25% (General: 4.75%) 180 days to 269 days: 5.75% (General: 5.25%) 181 days to < 1 year: 6.50% (General: 6.00%) 270 days to less than 1 year: 6.25% (General: 5.75%) 1 Year only: 6.80% (General: 6.30%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) Above 1 year upto & inclusive 2 years: 7.00% (General: 6.50%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 1 year to < 2 years: 7.25% (General: 6.75%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) KGB-SIRI (444 days)* · KGB-SIRI 444 days: 7.10% (General: 6.60%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) KGB-NIDHI (555 days)* · KGB-NIDHI 555 days: 7.25% (General: 6.75%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) Above 2 years upto & inclusive 3 years: 7.00% (General: 6.50%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 2 years to < 3 years: 7.10% (General: 6.60%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) Above 3 years upto & inclusive 5 years: 6.90% (General: 6.40%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 3 years to < 5 years: 7.10% (General: 6.60%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) KGB-SIRI SAMPATH (1111 days)* · KGB-SIRI SAMPATH 1111 days: 7.00% (General: 6.50%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) Above 5 years upto & inclusive 8 years: 6.55% (General: 6.05%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) Tax Saver (5 years period) · Tax Saver FD: 6.90% (General: 6.40%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 5 years to 10 years: 6.75% (General: 6.25%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) Above 8 years upto & inclusive 10 years: 6.55% (General: 6.05%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d7d15d1m2m2m2m3m3m4m6m6m9m1y1y1y444d555d2y2y3y3y1111d5y5y5y8y Senior General Post Office TD Special scheme

Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.

No additional super-senior premium — showing Senior rates.

3%4%5%6%7% 07 days to 14 days: 3.75% (Senior: 3.75%) 7–45 days: 3.75% (Senior: 3.75%) 15 days to 30 days: 3.75% (Senior: 3.75%) 31 days to 45 days: 3.75% (Senior: 3.75%) 46 days to 60 days: 5.25% (Senior: 5.25%) 46–90 days: 5.00% (Senior: 5.00%) 61 days to 90 days: 5.25% (Senior: 5.25%) 91 days to 120 days: 5.25% (Senior: 5.25%) 91–180 days: 6.00% (Senior: 6.00%) 121 days to 179 days: 5.25% (Senior: 5.25%) 180 days to 269 days: 5.75% (Senior: 5.75%) 181 days to < 1 year: 6.50% (Senior: 6.50%) 270 days to less than 1 year: 6.25% (Senior: 6.25%) 1 Year only: 6.80% (Senior: 6.80%) · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) Above 1 year upto & inclusive 2 years: 7.00% (Senior: 7.00%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 1 year to < 2 years: 7.25% (Senior: 7.25%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) KGB-SIRI (444 days)* · KGB-SIRI 444 days: 7.10% (Senior: 7.10%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) KGB-NIDHI (555 days)* · KGB-NIDHI 555 days: 7.25% (Senior: 7.25%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) Above 2 years upto & inclusive 3 years: 7.00% (Senior: 7.00%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 2 years to < 3 years: 7.10% (Senior: 7.10%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) Above 3 years upto & inclusive 5 years: 6.90% (Senior: 6.90%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 3 years to < 5 years: 7.10% (Senior: 7.10%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) KGB-SIRI SAMPATH (1111 days)* · KGB-SIRI SAMPATH 1111 days: 7.00% (Senior: 7.00%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) Above 5 years upto & inclusive 8 years: 6.55% (Senior: 6.55%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) Tax Saver (5 years period) · Tax Saver FD: 6.90% (Senior: 6.90%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 5 years to 10 years: 6.75% (Senior: 6.75%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) Above 8 years upto & inclusive 10 years: 6.55% (Senior: 6.55%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d7d15d1m2m2m2m3m3m4m6m6m9m1y1y1y444d555d2y2y3y3y1111d5y5y5y8y Senior Senior Post Office TD Special scheme

Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.

TenureGeneralSeniorTrendApplies to
07 days to 14 days
 3.25% 3.75% Below ₹1 crore
7–45 days
 3.25% 3.75% Any amount
15 days to 30 days
 3.25% 3.75% Below ₹1 crore
31 days to 45 days
 3.25% 3.75% Below ₹1 crore
46 days to 60 days
 4.75% 5.25% Below ₹1 crore
46–90 days
 4.50% 5.00% Any amount
61 days to 90 days
 4.75% 5.25% Below ₹1 crore
91 days to 120 days
 4.75% 5.25% Below ₹1 crore
91–180 days
 5.50% 6.00% Any amount
121 days to 179 days
 4.75% 5.25% Below ₹1 crore
180 days to 269 days
 5.25% 5.75% Below ₹1 crore
181 days to < 1 year
 6.00% 6.50% Any amount
270 days to less than 1 year
 5.75% 6.25% Below ₹1 crore
1 Year only
 6.30% 6.80% Below ₹1 crore
Above 1 year upto & inclusive 2 years
 6.50% 7.00% Below ₹1 crore
1 year to < 2 years
 6.75% 7.25% Any amount
KGB-SIRI (444 days)*
KGB-SIRI 444 days
 6.60% 7.10% Below ₹1 crore
KGB-NIDHI (555 days)*
KGB-NIDHI 555 days
 6.75% 7.25% Below ₹1 crore
Above 2 years upto & inclusive 3 years
 6.50% 7.00% Below ₹1 crore
2 years to < 3 years
 6.60% 7.10% Any amount
Above 3 years upto & inclusive 5 years
 6.40% 6.90% Below ₹1 crore
3 years to < 5 years
 6.60% 7.10% Any amount
KGB-SIRI SAMPATH (1111 days)*
KGB-SIRI SAMPATH 1111 days
 6.50% 7.00% Below ₹1 crore
Above 5 years upto & inclusive 8 years
 6.05% 6.55% Below ₹1 crore
Tax Saver (5 years period)
Tax Saver FD
 6.40% 6.90% Below ₹1 crore
5 years to 10 years
 6.25% 6.75% Any amount
Above 8 years upto & inclusive 10 years
 6.05% 6.55% Below ₹1 crore
Source ↗

Recurring Deposit rates

Rates for deposits below ₹3 crore · general vs senior citizen · trend over time

TenureGeneralSeniorTrendApplies to
1 Year only
 6.30% 6.80% Any amount
Above 1 year upto & inclusive 2 years
 6.50% 7.00% Any amount
Above 2 years upto & inclusive 3 years
 6.50% 7.00% Any amount
Above 3 years upto & inclusive 5 years
 6.40% 6.90% Any amount
Above 5 years upto & inclusive 8 years
 6.05% 6.55% Any amount
Above 8 years upto & inclusive 10 years
 6.05% 6.55% Any amount
Source ↗

Good to know

Deposits with Karnataka Grameena Bank are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.

official⚠ stale Effective 1 Jan 2026 · View source

Informational only — always confirm the current rate on the official KGB website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.