The Meghraj Nagarik Sahakari Bank Ltd. Fixed Deposit interest rates · October 2026
Meghraj Nagarik Bank's best Fixed Deposit rate is 5.75% (365 DAYS to 1825 DAYS), 2.50 points below the best on the market (8.25%).
- Seniors: up to 6.00% (365 DAYS to 1825 DAYS), 0.25 points above the general rate for that tenure.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 DAYS to 90 DAYS |
3.25% | 3.50% | Any amount | 3 Aug 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
91 DAYS to 179 DAYS |
3.50% | 3.75% | Any amount | 3 Aug 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
180 DAYS to 364 DAYS |
4.75% | 5.00% | Any amount | 3 Aug 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
365 DAYS to 1825 DAYS |
5.75% | 6.00% | Any amount | 3 Aug 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Meghraj Nagarik Bank FD returns at a glance based on investment amount
| Deposit | ~1 year5.75% | ~3 years5.75% | ~5 years5.75% |
|---|---|---|---|
| ₹50,000 | ₹52,938₹240/mo | ₹59,341₹240/mo | ₹66,518₹240/mo |
| ₹1 lakh | ₹1,05,875₹479/mo | ₹1,18,681₹479/mo | ₹1,33,036₹479/mo |
| ₹2 lakh | ₹2,11,750₹958/mo | ₹2,37,363₹958/mo | ₹2,66,073₹958/mo |
| ₹5 lakh | ₹5,29,376₹2,396/mo | ₹5,93,407₹2,396/mo | ₹6,65,182₹2,396/mo |
| ₹10 lakh | ₹10,58,752₹4,792/mo | ₹11,86,813₹4,792/mo | ₹13,30,365₹4,792/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.
Senior 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 additional super-senior premium — showing Senior rates.
Senior 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.
Meghraj Nagarik Bank Fixed Deposit rate changes
Changes to Meghraj 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 Meghraj Nagarik Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Meghraj Nagarik Bank with similar banks
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Meghraj Nagarik Bank Fixed Deposit: frequently asked questions
What is the highest Meghraj Nagarik Bank Fixed Deposit interest rate?
As of 22 Oct 2026, The Meghraj Nagarik Sahakari Bank Ltd. offers up to 5.75% p.a. on its fixed deposit (FD) (365 DAYS to 1825 DAYS) for general customers and 6.00% p.a. (365 DAYS to 1825 DAYS) for senior citizens. Rates below are as published by the bank — confirm with Meghraj Nagarik Bank before investing.
What is the Meghraj Nagarik Bank 1-year FD interest rate?
As of 22 Oct 2026, The Meghraj Nagarik Sahakari Bank Ltd. offers 5.75% p.a. on a 1-year FD for general customers and 6.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 3 Aug 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Meghraj Nagarik Bank 2-year FD interest rate?
As of 22 Oct 2026, The Meghraj Nagarik Sahakari Bank Ltd. offers 5.75% p.a. on a 2-year FD for general customers and 6.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 3 Aug 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Meghraj Nagarik Bank 3-year FD interest rate?
As of 22 Oct 2026, The Meghraj Nagarik Sahakari Bank Ltd. offers 5.75% p.a. on a 3-year FD for general customers and 6.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 3 Aug 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Meghraj Nagarik Bank 5-year FD interest rate?
As of 22 Oct 2026, The Meghraj Nagarik Sahakari Bank Ltd. offers 5.75% p.a. on a 5-year FD for general customers and 6.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 3 Aug 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Meghraj Nagarik Bank?
Yes. Senior citizens (60+) earn up to 0.25% p.a. more than general customers at The Meghraj Nagarik Sahakari Bank Ltd., depending on the tenure.
When did Meghraj Nagarik Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Meghraj Nagarik Sahakari Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Meghraj Nagarik Bank offer?
The Meghraj Nagarik Sahakari Bank Ltd.'s published fixed deposit (FD) rate table has 4 tenure bands, from “7 DAYS to 90 DAYS” to “365 DAYS to 1825 DAYS”.
Does Meghraj Nagarik Bank pay more than the Post Office Time Deposit?
The Meghraj Nagarik Sahakari Bank Ltd. pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 5.75% (PO 6.90%), 2y 5.75% (PO 7.00%), 3y 5.75% (PO 7.10%), 5y 5.75% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Meghraj Nagarik Bank's 1-year FD rate rank?
The Meghraj Nagarik Sahakari Bank Ltd.'s 1-year general FD rate of 5.75% ranks #291 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 Meghraj Nagarik Bank insured?
Deposits with The Meghraj Nagarik Sahakari Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Meghraj Nagarik Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 3 Aug 2025. Rates can change without notice, so verify on the official Meghraj Nagarik Bank website before investing.
More Meghraj Nagarik Bank rates
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with The Meghraj 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.
- Meghraj 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 0.25% p.a. more than general customers at Meghraj Nagarik Bank, depending on the tenure.
Informational only — always confirm the current rate on the official Meghraj 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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