Rates verified from official source

Maharashtra State Co-operative Bank Fixed Deposit interest rates · November 2026

MSC Bank's best Fixed Deposit rate is 7.05% (More than 1 Year to up to 2 years), 2.45 points below the best on the market (9.50%).

What will my FD earn at MSC Bank?

Estimated value after 1 year · before tax ₹5,35,930 7.00% p.a. · ₹35,930 interest · quarterly compounding
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Deposit amount

Showing 10 of 19 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 Days to 29 Days
Below ₹15 lakh
 3.25% – Below ₹15 lakh
1 Nov 2026
✓ verified 14 Nov 2026
official
fetched 30 Sept 2026
30 Days
to 60 Days
Below ₹15 lakh
 4.25% – Below ₹15 lakh
1 Nov 2026
✓ verified 14 Nov 2026
official
fetched 30 Sept 2026
61 Days
to 90 Days
Below ₹15 lakh
 5.00% – Below ₹15 lakh
1 Nov 2026
✓ verified 14 Nov 2026
official
fetched 10 Nov 2026
91 days to
180 Days
Below ₹15 lakh
 5.15% – Below ₹15 lakh
1 Nov 2026
✓ verified 14 Nov 2026
official
fetched 10 Nov 2026
181 days
to 364 Days
Below ₹15 lakh
 6.50% – Below ₹15 lakh
1 Nov 2026
✓ verified 14 Nov 2026
official
fetched 10 Nov 2026
365 days
Below ₹15 lakh
 7.00% – Below ₹15 lakh
1 Nov 2026
✓ verified 14 Nov 2026
official
fetched 18 Oct 2026
More than 1 Year
to up to 2 years
Below ₹15 lakh
 7.05% – Below ₹15 lakh
1 Nov 2026
✓ verified 14 Nov 2026
official
fetched 18 Oct 2026
More than 2 years
to up to 3 years
Below ₹15 lakh
 7.00% – Below ₹15 lakh
1 Nov 2026
✓ verified 14 Nov 2026
official
fetched 18 Oct 2026
More than 3 years
to below 10 years
Below ₹15 lakh
 5.75% – Below ₹15 lakh
1 Nov 2026
✓ verified 14 Nov 2026
official
fetched 30 Sept 2026
5 years
Tax Benefit Deposit Scheme
 5.75% – Below ₹15 lakh
1 Nov 2026
✓ verified 14 Nov 2026
official
fetched 10 Nov 2026

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MSC Bank FD return examples

DepositHighest rate366 days7.05%Highest rate2 years7.05%5 years5.75%9 years5.75%
₹50,000★₹53,630₹3,619 a year₹294/mo★₹57,501₹3,619 a year₹294/mo₹66,518₹2,938 a year₹240/mo₹83,583₹2,938 a year₹240/mo
₹1 lakh★₹1,07,259₹7,239 a year₹588/mo★₹1,15,001₹7,239 a year₹588/mo₹1,33,036₹5,875 a year₹479/mo₹1,67,166₹5,875 a year₹479/mo
₹2 lakh★₹2,14,518₹14,477 a year₹1,175/mo★₹2,30,002₹14,477 a year₹1,175/mo₹2,66,073₹11,750 a year₹958/mo₹3,34,332₹11,750 a year₹958/mo
₹5 lakh★₹5,36,296₹36,193 a year₹2,938/mo★₹5,75,006₹36,193 a year₹2,938/mo₹6,65,182₹29,376 a year₹2,396/mo₹8,35,829₹29,376 a year₹2,396/mo
₹10 lakh★₹10,72,591₹72,386 a year₹5,875/mo★₹11,50,011₹72,386 a year₹5,875/mo₹13,30,365₹58,752 a year₹4,792/mo₹16,71,658₹58,752 a year₹4,792/mo

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

Select a term · Annual rates for ₹5,00,000

1 year

7.00%
Compare 1 year rates → Estimate my return
Market rank & rate source

#295 of 1033

365 days · Below ₹15 lakh

Official rate sheet ↗
See all published rates
  • Tax-saving deposit (5-year lock-in)
Before you book

MSC Bank Fixed Deposit: frequently asked questions

What is the highest MSC Bank Fixed Deposit interest rate?

As of 14 Nov 2026, Maharashtra State Co-operative Bank offers up to 7.05% p.a. on its fixed deposit (FD) (More than 1 Year to up to 2 years) for general customers. Rates below are as published by the bank. Confirm with MSC Bank before investing.

See today's top interest rates →

What is the MSC Bank 1-year FD interest rate?

As of 14 Nov 2026, Maharashtra State Co-operative Bank offers 7.00% p.a. on a 1-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 1 Nov 2026 and was last verified 14 Nov 2026. Source: the bank's official rate page.

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What is the MSC Bank 2-year FD interest rate?

As of 14 Nov 2026, Maharashtra State Co-operative Bank offers 7.05% p.a. on a 2-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 1 Nov 2026 and was last verified 14 Nov 2026. Source: the bank's official rate page.

Compare 2-year FD rates →

What is the MSC Bank 3-year FD interest rate?

As of 14 Nov 2026, Maharashtra State Co-operative Bank offers 7.00% p.a. on a 3-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 1 Nov 2026 and was last verified 14 Nov 2026. Source: the bank's official rate page.

Compare 3-year FD rates →

What is the MSC Bank 5-year FD interest rate?

As of 14 Nov 2026, Maharashtra State Co-operative Bank offers 5.75% p.a. on a 5-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 1 Nov 2026 and was last verified 14 Nov 2026. Source: the bank's official rate page.

Compare 5-year FD rates →

Do senior citizens get higher Fixed Deposit rates at MSC Bank?

Maharashtra State Co-operative Bank does not publish a separate senior citizen premium for these deposits in our data. Check the bank's official rate card for any senior-citizen offers.

See today's top senior citizen rates →

When did MSC Bank last change its Fixed Deposit rates?

Maharashtra State Co-operative Bank last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 10 Nov 2026: the general rate for 181 days to 364 Days · Below ₹15 lakh went from 6.00% to 6.50%. RateScan.in has tracked MSC Bank's rates since 30 Sept 2026.

Rate movements →

What fixed deposit (FD) tenures does MSC Bank offer?

Maharashtra State Co-operative Bank's published fixed deposit (FD) rate table has 9 tenure bands, from “7 Days to 29 Days” to “More than 3 years to below 10 years”.

Does MSC Bank pay different fixed deposit (FD) rates by deposit size?

Yes. Maharashtra State Co-operative Bank's table lists separate bands: Below ₹15 lakh; ₹15 lakh and above. Each row shows the band it applies to.

Does MSC Bank have special fixed deposit (FD) schemes?

Maharashtra State Co-operative Bank's rate table lists these named schemes (1): Tax Benefit Deposit Scheme. Check eligibility and end dates with the bank.

Does MSC Bank pay more than the Post Office Time Deposit?

Maharashtra State Co-operative Bank pays more than the Post Office Time Deposit at 2 of 4 standard tenures compared (general rates). Rates: 1y 7.00% (PO 6.90%), 2y 7.05% (PO 7.00%), 3y 7.00% (PO 7.10%), 5y 5.75% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

How does MSC Bank's 1-year FD rate rank?

Maharashtra State Co-operative Bank's 1-year general FD rate of 7.00% ranks #295 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.

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Is my fixed deposit (FD) with MSC Bank insured?

Deposits with Maharashtra State Co-operative Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these MSC Bank rates?

RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 1 Nov 2026. Rates can change without notice, so verify on the official MSC Bank website before investing.

Rate movements →

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MSC Bank overviewMSC Bank Savings rates

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Nearby banks paying a little more at 1 year

Mumbai DCC 7.05%Shri Yashwant Sahakari Bank 7.05%Janalaxmi Bank 7.05%

Best FD rates among state co-operative banks → Best FD rates in Maharashtra →

Good to know

  • Deposits with Maharashtra State Co-operative Bank 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.
  • MSC Bank is a state 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.
  • MSC Bank's FD table includes 1 special schemes; check eligibility and end dates.
official Effective 1 Nov 2026 · Ingested 30 Sept 2026 · Verified 14 Nov 2026 · View source

Informational only. Always confirm the current rate on the official MSC 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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