Model Co-operative Bank Ltd., Mumbai Fixed Deposit interest rates · November 2026
What will my FD earn at Model Co-op Bank?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 Days to 30 Days |
3.50% | 3.50% | Any amount | 1 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
31 Days to 90 Days |
4.25% | 4.50% | Any amount | 1 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
91 Days to 180 Days |
5.00% | 5.25% | Any amount | 1 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
181 Days to 270 Days |
5.75% | 6.00% | Any amount | 1 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
271 days to less than 1 year |
6.00% | 6.25% | Any amount | 1 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
12 Months to 18 Months |
7.25% | 7.50% | Any amount | 1 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
18 Months to 5 years |
6.25% | 6.50% | Any amount | 1 Sept 2026 ✓ verified 13 Nov 2026 | official fetched 26 Oct 2026 |
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Model Co-op 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
7.25%Before you book
Model Co-op Bank Fixed Deposit: frequently asked questions
What is the highest Model Co-op Bank Fixed Deposit interest rate?
As of 14 Nov 2026, Model Co-operative Bank Ltd., Mumbai offers up to 7.25% p.a. on its fixed deposit (FD) (12 Months to 18 Months) for general customers and 7.50% p.a. (12 Months to 18 Months) for senior citizens. Rates below are as published by the bank. Confirm with Model Co-op Bank before investing.
What is the Model Co-op Bank 1-year FD interest rate?
As of 14 Nov 2026, Model Co-operative Bank Ltd., Mumbai offers 7.25% p.a. on a 1-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Sept 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Model Co-op Bank 2-year FD interest rate?
As of 14 Nov 2026, Model Co-operative Bank Ltd., Mumbai offers 6.25% p.a. on a 2-year FD for general customers and 6.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Sept 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Model Co-op Bank 3-year FD interest rate?
As of 14 Nov 2026, Model Co-operative Bank Ltd., Mumbai offers 6.25% p.a. on a 3-year FD for general customers and 6.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Sept 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Model Co-op Bank 5-year FD interest rate?
As of 14 Nov 2026, Model Co-operative Bank Ltd., Mumbai offers 6.25% p.a. on a 5-year FD for general customers and 6.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 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 Model Co-op Bank?
Yes. Senior citizens (60+) earn up to 0.25% p.a. more than general customers at Model Co-operative Bank Ltd., Mumbai, depending on the tenure.
When did Model Co-op Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to Model Co-operative Bank Ltd., Mumbai's fixed deposit (FD) rates since it started tracking them on 26 Oct 2026.
What fixed deposit (FD) tenures does Model Co-op Bank offer?
Model Co-operative Bank Ltd., Mumbai's published fixed deposit (FD) rate table has 7 tenure bands, from “7 Days to 30 Days” to “18 Months to 5 years”.
Does Model Co-op Bank pay more than the Post Office Time Deposit?
Model Co-operative Bank Ltd., Mumbai pays more than the Post Office Time Deposit at 1 of 4 standard tenures compared (general rates). Rates: 1y 7.25% (PO 6.90%), 2y 6.25% (PO 7.00%), 3y 6.25% (PO 7.10%), 5y 6.25% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Model Co-op Bank's 1-year FD rate rank?
Model Co-operative Bank Ltd., Mumbai's 1-year general FD rate of 7.25% ranks #190 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 Model Co-op Bank insured?
Deposits with Model Co-operative Bank Ltd., Mumbai are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Model Co-op Bank rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 1 Sept 2026. Rates can change without notice, so verify on the official Model Co-op Bank website before investing.
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Good to know
- Deposits with Model Co-operative Bank Ltd., Mumbai 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.
- Model Co-op 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 Model Co-op Bank, depending on the tenure.
Informational only. Always confirm the current rate on the official Model Co-op 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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