The Khambhat Nagarik Sahakari Bank Ltd. Fixed Deposit interest rates · October 2026
Khambhat Nagarik Bank's best Fixed Deposit rate is 6.50% (1 YEAR AND ABOVE), 1.75 points below the best on the market (8.25%).
- Seniors: up to 7.00% (1 YEAR AND ABOVE), 0.50 points above the general rate for that tenure.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
46 DAYS TO 90 DAYS |
3.50% | — | Any amount | 1 Sept 2017 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
91 DAYS TO 180 DAYS |
4.00% | — | Any amount | 1 Sept 2017 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
181 DAYS TO UNDER 1 YEAR |
4.50% | — | Any amount | 1 Sept 2017 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
1 YEAR AND ABOVE |
6.50% | 7.00% | Any amount | 1 Sept 2017 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Khambhat Nagarik Bank FD returns at a glance based on investment amount
| Deposit | ~1 year6.50% | ~3 years6.50% | ~5 years6.50% | ~10 years6.50% |
|---|---|---|---|---|
| ₹50,000 | ₹53,330₹271/mo | ₹60,670₹271/mo | ₹69,021₹271/mo | ₹95,278₹271/mo |
| ₹1 lakh | ₹1,06,660₹542/mo | ₹1,21,341₹542/mo | ₹1,38,042₹542/mo | ₹1,90,556₹542/mo |
| ₹2 lakh | ₹2,13,320₹1,083/mo | ₹2,42,682₹1,083/mo | ₹2,76,084₹1,083/mo | ₹3,81,112₹1,083/mo |
| ₹5 lakh | ₹5,33,301₹2,708/mo | ₹6,06,704₹2,708/mo | ₹6,90,210₹2,708/mo | ₹9,52,779₹2,708/mo |
| ₹10 lakh | ₹10,66,602₹5,417/mo | ₹12,13,408₹5,417/mo | ₹13,80,420₹5,417/mo | ₹19,05,559₹5,417/mo |
Illustrative · quarterly compounding · rates as of 22 Oct 2026. Maturity assumes cumulative FD; monthly figure is simple interest ÷ 12 (non-cumulative payout). Not a bank quote — verify on the bank's site. DICGC insures up to ₹5 lakh per depositor per bank.
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General rate by tenure (% p.a.)
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 Senior FD rate data available.
No additional super-senior premium — showing Senior rates.
Khambhat Nagarik Bank Fixed Deposit rate changes
Changes to Khambhat Nagarik Bank's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 22 Oct 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.
No change to Khambhat Nagarik Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Khambhat Nagarik Bank with similar banks
Nearby banks paying a little more at 1 year
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Best FD rates among urban co-operative banks → Best FD rates in Gujarat →
Khambhat Nagarik Bank Fixed Deposit: frequently asked questions
What is the highest Khambhat Nagarik Bank Fixed Deposit interest rate?
As of 22 Oct 2026, The Khambhat Nagarik Sahakari Bank Ltd. offers up to 6.50% p.a. on its fixed deposit (FD) (1 YEAR AND ABOVE) for general customers and 7.00% p.a. (1 YEAR AND ABOVE) for senior citizens. Rates below are as published by the bank — confirm with Khambhat Nagarik Bank before investing.
What is the Khambhat Nagarik Bank 1-year FD interest rate?
As of 22 Oct 2026, The Khambhat Nagarik Sahakari Bank Ltd. offers 6.50% p.a. on a 1-year FD for general customers and 7.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Sept 2017 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Khambhat Nagarik Bank 2-year FD interest rate?
As of 22 Oct 2026, The Khambhat Nagarik Sahakari Bank Ltd. offers 6.50% p.a. on a 2-year FD for general customers and 7.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Sept 2017 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Khambhat Nagarik Bank 3-year FD interest rate?
As of 22 Oct 2026, The Khambhat Nagarik Sahakari Bank Ltd. offers 6.50% p.a. on a 3-year FD for general customers and 7.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Sept 2017 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Khambhat Nagarik Bank 5-year FD interest rate?
As of 22 Oct 2026, The Khambhat Nagarik Sahakari Bank Ltd. offers 6.50% p.a. on a 5-year FD for general customers and 7.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Sept 2017 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Khambhat Nagarik Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Khambhat Nagarik Sahakari Bank Ltd., depending on the tenure.
When did Khambhat Nagarik Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Khambhat Nagarik Sahakari Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Khambhat Nagarik Bank offer?
The Khambhat Nagarik Sahakari Bank Ltd.'s published fixed deposit (FD) rate table has 4 tenure bands, from “46 DAYS TO 90 DAYS” to “1 YEAR AND ABOVE”.
Does Khambhat Nagarik Bank pay more than the Post Office Time Deposit?
The Khambhat Nagarik Sahakari Bank Ltd. pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.50% (PO 6.90%), 2y 6.50% (PO 7.00%), 3y 6.50% (PO 7.10%), 5y 6.50% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Khambhat Nagarik Bank's 1-year FD rate rank?
The Khambhat Nagarik Sahakari Bank Ltd.'s 1-year general FD rate of 6.50% ranks #177 of 333 banks on RateScan.in (as of 22 Oct 2026). The highest is Sangli DCCB at 8.25%.
Is my fixed deposit (FD) with Khambhat Nagarik Bank insured?
Deposits with The Khambhat Nagarik Sahakari Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Khambhat Nagarik Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 1 Sept 2017. Rates can change without notice, so verify on the official Khambhat Nagarik Bank website before investing.
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Good to know
- Deposits with The Khambhat Nagarik Sahakari Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
- Khambhat Nagarik Bank is an urban co-operative bank. Co-operative banks are regulated by the RBI together with the state registrar of co-operative societies; check that the bank is covered by DICGC before depositing.
- Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Khambhat Nagarik Bank, depending on the tenure.
Informational only — always confirm the current rate on the official Khambhat Nagarik Bank 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.
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