The Modasa Nagarik Sahakari Bank Ltd. Fixed Deposit interest rates · October 2026
Modasa Nagarik Bank's best Fixed Deposit rate is 6.75% (181 Days to below 12 month), 0.75 points below the best on the market (7.50%).
- Seniors: up to 7.25% (181 Days to below 12 month), 0.50 points above the general rate for that tenure.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 Days to 14 Days |
3.25% | 3.75% | Any amount | 18 Feb 2023 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
15 Days to 45 Days |
3.50% | 4.00% | Any amount | 18 Feb 2023 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
46 Days to 90 Days |
4.50% | 5.00% | Any amount | 18 Feb 2023 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
91 Days to 180 Days |
5.25% | 5.75% | Any amount | 18 Feb 2023 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
181 Days to below 12 month |
6.75% | 7.25% | Any amount | 18 Feb 2023 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
12 Month and upto 60 Month |
6.50% | 7.00% | Any amount | 18 Feb 2023 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Modasa Nagarik Bank FD returns at a glance based on investment amount
| Deposit | ~1 year6.50% | ~3 years6.50% | ~5 years6.50% |
|---|---|---|---|
| ₹50,000 | ₹53,330₹271/mo | ₹60,670₹271/mo | ₹69,021₹271/mo |
| ₹1 lakh | ₹1,06,660₹542/mo | ₹1,21,341₹542/mo | ₹1,38,042₹542/mo |
| ₹2 lakh | ₹2,13,320₹1,083/mo | ₹2,42,682₹1,083/mo | ₹2,76,084₹1,083/mo |
| ₹5 lakh | ₹5,33,301₹2,708/mo | ₹6,06,704₹2,708/mo | ₹6,90,210₹2,708/mo |
| ₹10 lakh | ₹10,66,602₹5,417/mo | ₹12,13,408₹5,417/mo | ₹13,80,420₹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.
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.
Modasa Nagarik Bank Fixed Deposit rate changes
Changes to Modasa 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 Modasa Nagarik Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Modasa Nagarik Bank with similar banks
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Best FD rates among urban co-operative banks → Best FD rates in Gujarat →
Modasa Nagarik Bank Fixed Deposit: frequently asked questions
What is the highest Modasa Nagarik Bank Fixed Deposit interest rate?
As of 22 Oct 2026, The Modasa Nagarik Sahakari Bank Ltd. offers up to 6.75% p.a. on its fixed deposit (FD) (181 Days to below 12 month) for general customers and 7.25% p.a. (181 Days to below 12 month) for senior citizens. Rates below are as published by the bank — confirm with Modasa Nagarik Bank before investing.
What is the Modasa Nagarik Bank 1-year FD interest rate?
As of 22 Oct 2026, The Modasa 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 18 Feb 2023 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Modasa Nagarik Bank 2-year FD interest rate?
As of 22 Oct 2026, The Modasa 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 18 Feb 2023 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Modasa Nagarik Bank 3-year FD interest rate?
As of 22 Oct 2026, The Modasa 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 18 Feb 2023 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Modasa Nagarik Bank 5-year FD interest rate?
As of 22 Oct 2026, The Modasa 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 18 Feb 2023 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Modasa Nagarik Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Modasa Nagarik Sahakari Bank Ltd., depending on the tenure.
When did Modasa Nagarik Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Modasa Nagarik Sahakari Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Modasa Nagarik Bank offer?
The Modasa Nagarik Sahakari Bank Ltd.'s published fixed deposit (FD) rate table has 6 tenure bands, from “7 Days to 14 Days” to “12 Month and upto 60 Month”.
Does Modasa Nagarik Bank pay more than the Post Office Time Deposit?
The Modasa 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 Modasa Nagarik Bank's 1-year FD rate rank?
The Modasa 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 Modasa Nagarik Bank insured?
Deposits with The Modasa Nagarik Sahakari Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Modasa Nagarik Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 18 Feb 2023. Rates can change without notice, so verify on the official Modasa Nagarik Bank website before investing.
More Modasa Nagarik Bank rates
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with The Modasa 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.
- Modasa 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 Modasa Nagarik Bank, depending on the tenure.
Informational only — always confirm the current rate on the official Modasa 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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