Rates verified from official source

The Karnataka State Co-operative Apex Bank
deposit rates

Top FD rate
7.00%
1 year and above
Senior citizen FD
7.50%
1 year and above
1-year FD rank
#7
of 14 public sector banks · 7.00%

Overview

karnatakaapex.bank.in

The Karnataka State Co-operative Apex Bank (KSCAB) is a nationalised public sector bank, headquartered in Bengaluru, established in 1915. Its headline 1-year FD rate of 7.00% is +0.25% above the public sector average of 6.75%, ranking #7 of 14 public sector banks.

Headquarters
Bengaluru
Established
1915
Ownership
State co-operative apex bank for Karnataka; apex body of the short-term co-operative credit structure in the state, owned by district central co-operative banks and the Government of Karnataka
Operates in
Karnataka
Financial health
Standalone CRAR / NPA figures are not published separately for this bank. Payments banks do not offer fixed deposits and are regulated differently.
1-year FD rate
7.00%
+0.25% above the public sector average of 6.75%
Peer rank
#7
of 14 public sector banks
Recent movement
Tracking started

Rates as of 9 Jul 2026, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.

Maturity calculator

Estimate returns at KSCAB (quarterly compounding)

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Fixed Deposit rates

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

3.50%4%4.50%5%5.50%6%6.50%7% 7 to 14 days: 4.00% 15 to 30 days: 4.50% 31 to 45 days: 5.00% 46 to 90 days: 5.50% 91 to 179 days: 6.00% 180 days to less than 1 year: 6.50% 1 year and above: 7.00% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 7d15d1m2m3m6m1y 4.004.505.005.506.006.507.00 General Post Office TD

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.

4%5%6%7% 7 to 14 days: 4.50% (General: 4.00%) 15 to 30 days: 5.00% (General: 4.50%) 31 to 45 days: 5.50% (General: 5.00%) 46 to 90 days: 6.00% (General: 5.50%) 91 to 179 days: 6.50% (General: 6.00%) 180 days to less than 1 year: 7.00% (General: 6.50%) 1 year and above: 7.50% (General: 7.00%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 7d15d1m2m3m6m1y 4.505.005.506.006.507.007.50 Senior General Post Office TD

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.

4%4.50%5%5.50%6%6.50%7%7.50% 7 to 14 days: 4.50% (Senior: 4.50%) 15 to 30 days: 5.00% (Senior: 5.00%) 31 to 45 days: 5.50% (Senior: 5.50%) 46 to 90 days: 6.00% (Senior: 6.00%) 91 to 179 days: 6.50% (Senior: 6.50%) 180 days to less than 1 year: 7.00% (Senior: 7.00%) 1 year and above: 7.50% (Senior: 7.50%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 7d15d1m2m3m6m1y 4.505.005.506.006.507.007.50 Senior Senior Post Office TD

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
7 to 14 days
 4.00% 4.50% — Any amount
15 to 30 days
 4.50% 5.00% — Any amount
31 to 45 days
 5.00% 5.50% — Any amount
46 to 90 days
 5.50% 6.00% — Any amount
91 to 179 days
 6.00% 6.50% — Any amount
180 days to less than 1 year
 6.50% 7.00% — Any amount
1 year and above
 7.00% 7.50% — Any amount
Source ↗

Good to know

Deposits with The Karnataka State Co-operative Apex 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 Effective 9 Jul 2026 · Ingested 30 Sept 2026 · Verified 30 Sept 2026 · View source

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