The Kokan Mercantile Co-operative Bank Ltd. Fixed Deposit interest rates · November 2026
What will my FD earn at Kokan Mercantile Bank?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 days to 45 days |
3.25% | 3.75% | Any amount | 7 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 12 Nov 2026 |
46 days to 179 days |
5.25% | 5.75% | Any amount | 7 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 12 Nov 2026 |
180 days to 210 days |
5.90% | 6.40% | Any amount | 7 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 12 Nov 2026 |
211 days to less than 1 year |
6.25% | 6.75% | Any amount | 7 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 12 Nov 2026 |
1 year to less than 2 years |
6.50% | 7.00% | Any amount | 7 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 12 Nov 2026 |
2 years to less than 3 years |
6.65% | 7.15% | Any amount | 7 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 12 Nov 2026 |
3 years to less than 5 years |
7.00% | 7.50% | Any amount | 7 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 12 Nov 2026 |
5 years to 10 years |
7.25% | 7.75% | Any amount | 7 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 12 Nov 2026 |
5 years and above Special QIDR (quarterly interest deposit) |
7.30% | 7.80% | Any amount | 7 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 12 Nov 2026 |
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Kokan Mercantile Bank FD return examples
Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
FD rates by tenure
1 year
6.50%Before you book
Kokan Mercantile Bank Fixed Deposit: frequently asked questions
What is the highest Kokan Mercantile Bank Fixed Deposit interest rate?
As of 14 Nov 2026, The Kokan Mercantile Co-operative Bank Ltd. offers up to 7.30% p.a. on its fixed deposit (FD) (5 years and above) for general customers and 7.80% p.a. (5 years and above) for senior citizens. Rates below are as published by the bank. Confirm with Kokan Mercantile Bank before investing.
What is the Kokan Mercantile Bank 1-year FD interest rate?
As of 14 Nov 2026, The Kokan Mercantile Co-operative 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 7 Sept 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Kokan Mercantile Bank 2-year FD interest rate?
As of 14 Nov 2026, The Kokan Mercantile Co-operative Bank Ltd. offers 6.65% p.a. on a 2-year FD for general customers and 7.15% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 7 Sept 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Kokan Mercantile Bank 3-year FD interest rate?
As of 14 Nov 2026, The Kokan Mercantile Co-operative Bank Ltd. offers 7.00% p.a. on a 3-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 7 Sept 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Kokan Mercantile Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Kokan Mercantile Co-operative Bank Ltd., depending on the tenure.
When did Kokan Mercantile Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Kokan Mercantile Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 12 Nov 2026.
What fixed deposit (FD) tenures does Kokan Mercantile Bank offer?
The Kokan Mercantile Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 8 tenure bands, from “7 days to 45 days” to “5 years to 10 years”.
Does Kokan Mercantile Bank have special fixed deposit (FD) schemes?
The Kokan Mercantile Co-operative Bank Ltd.'s rate table lists these named schemes (1): Special QIDR (quarterly interest deposit). Check eligibility and end dates with the bank.
Does Kokan Mercantile Bank pay more than the Post Office Time Deposit?
The Kokan Mercantile Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 0 of 3 standard tenures compared (general rates). Rates: 1y 6.50% (PO 6.90%), 2y 6.65% (PO 7.00%), 3y 7.00% (PO 7.10%). PO is the Post Office Time Deposit rate.
How does Kokan Mercantile Bank's 1-year FD rate rank?
The Kokan Mercantile Co-operative Bank Ltd.'s 1-year general FD rate of 6.50% ranks #594 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
Is my fixed deposit (FD) with Kokan Mercantile Bank insured?
Deposits with The Kokan Mercantile Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Kokan Mercantile Bank rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 7 Sept 2026. Rates can change without notice, so verify on the official Kokan Mercantile Bank website before investing.
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Good to know
- Deposits with The Kokan Mercantile Co-operative 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.
- Kokan Mercantile 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 Kokan Mercantile Bank, depending on the tenure.
- Kokan Mercantile Bank's FD table includes 1 special schemes; check eligibility and end dates.
Informational only. Always confirm the current rate on the official Kokan Mercantile 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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