Rates verified from official source

Karnataka Grameena Bank Fixed Deposit interest rates · October 2026

As of 5 Oct 2026, Karnataka Grameena Bank offers up to 6.75% p.a. on its fixed deposit (FD) (KGB-NIDHI (555 days)*) for general customers and 7.25% p.a. (KGB-NIDHI (555 days)*) for senior citizens. Rates below are as published by the bank — confirm with KGB before investing.

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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 toAs ofSource
07 days to 14 days
 3.25% 3.75% Below ₹1 crore
1 Jan 2026
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official
fetched 22 Sept 2026
7–45 days
 3.25% 3.75% Any amount
1 Sept 2026
under verification
aggregator
sourced from third-party
15 days to 30 days
 3.25% 3.75% Below ₹1 crore
1 Jan 2026
stale
official
fetched 22 Sept 2026
31 days to 45 days
 3.25% 3.75% Below ₹1 crore
1 Jan 2026
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official
fetched 22 Sept 2026
46 days to 60 days
 4.75% 5.25% Below ₹1 crore
1 Jan 2026
stale
official
fetched 22 Sept 2026
46–90 days
 4.50% 5.00% Any amount
1 Sept 2026
under verification
aggregator
sourced from third-party
61 days to 90 days
 4.75% 5.25% Below ₹1 crore
1 Jan 2026
stale
official
fetched 22 Sept 2026
91 days to 120 days
 4.75% 5.25% Below ₹1 crore
1 Jan 2026
stale
official
fetched 22 Sept 2026
91–180 days
 5.50% 6.00% Any amount
1 Sept 2026
under verification
aggregator
sourced from third-party
121 days to 179 days
 4.75% 5.25% Below ₹1 crore
1 Jan 2026
stale
official
fetched 22 Sept 2026
180 days to 269 days
 5.25% 5.75% Below ₹1 crore
1 Jan 2026
stale
official
fetched 22 Sept 2026
181 days to < 1 year
 6.00% 6.50% Any amount
1 Sept 2026
under verification
aggregator
sourced from third-party
270 days to less than 1 year
 5.75% 6.25% Below ₹1 crore
1 Jan 2026
stale
official
fetched 22 Sept 2026
1 Year only
 6.30% 6.80% Below ₹1 crore
1 Jan 2026
stale
official
fetched 22 Sept 2026
Above 1 year upto & inclusive 2 years
 6.50% 7.00% Below ₹1 crore
1 Jan 2026
stale
official
fetched 22 Sept 2026
1 year to < 2 years
 6.75% 7.25% Any amount
1 Sept 2026
under verification
aggregator
sourced from third-party
KGB-SIRI (444 days)*
KGB-SIRI 444 days
 6.60% 7.10% Below ₹1 crore
1 Jan 2026
stale
official
fetched 22 Sept 2026
KGB-NIDHI (555 days)*
KGB-NIDHI 555 days
 6.75% 7.25% Below ₹1 crore
1 Jan 2026
stale
official
fetched 22 Sept 2026
Above 2 years upto & inclusive 3 years
 6.50% 7.00% Below ₹1 crore
1 Jan 2026
stale
official
fetched 22 Sept 2026
2 years to < 3 years
 6.60% 7.10% Any amount
1 Sept 2026
under verification
aggregator
sourced from third-party
Above 3 years upto & inclusive 5 years
 6.40% 6.90% Below ₹1 crore
1 Jan 2026
stale
official
fetched 22 Sept 2026
3 years to < 5 years
 6.60% 7.10% Any amount
1 Sept 2026
under verification
aggregator
sourced from third-party
KGB-SIRI SAMPATH (1111 days)*
KGB-SIRI SAMPATH 1111 days
 6.50% 7.00% Below ₹1 crore
1 Jan 2026
stale
official
fetched 22 Sept 2026
Above 5 years upto & inclusive 8 years
 6.05% 6.55% Below ₹1 crore
1 Jan 2026
stale
official
fetched 22 Sept 2026
Tax Saver (5 years period)
Tax Saver FD
 6.40% 6.90% Below ₹1 crore
1 Jan 2026
stale
official
fetched 22 Sept 2026
5 years to 10 years
 6.25% 6.75% Any amount
1 Sept 2026
under verification
aggregator
sourced from third-party
Above 8 years upto & inclusive 10 years
 6.05% 6.55% Below ₹1 crore
1 Jan 2026
stale
official
fetched 22 Sept 2026
Source ↗
  • 5-year lock-in; premature withdrawal not permitted. Eligible for Section 80C deduction up to ₹1.5 lakh.

KGB Fixed Deposit: frequently asked questions

What is the highest KGB Fixed Deposit interest rate?

As of 5 Oct 2026, Karnataka Grameena Bank offers up to 6.75% p.a. on its fixed deposit (FD) (KGB-NIDHI (555 days)*) for general customers and 7.25% p.a. (KGB-NIDHI (555 days)*) for senior citizens. Rates below are as published by the bank — confirm with KGB before investing.

What is the KGB 1 year FD interest rate?

As of 5 Oct 2026, Karnataka Grameena Bank offers 6.75% p.a. on a 1-year FD for general customers and 7.25% p.a. for senior citizens.

Do senior citizens get higher Fixed Deposit rates at KGB?

Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Karnataka Grameena Bank, depending on the tenure.

Is my fixed deposit (FD) with KGB insured?

Deposits with Karnataka Grameena Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these KGB rates?

RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 1 Jan 2026. Rates can change without notice, so verify on the official KGB website before investing.

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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 · Ingested 22 Sept 2026 · View source

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