M. S. Co-operative Bank Ltd. Fixed Deposit interest rates · October 2026
M.S. Co-op Bank's best Fixed Deposit rate is 7.00% (Above 2 years to 3 years), 1.50 points below the best on the market (8.50%).
- Seniors: up to 7.50% (Above 2 years to 3 years), 0.50 points above the general rate for that tenure.
| Tenure | General | Senior | Super Sr. | Applies to | Effective On | Source |
|---|---|---|---|---|---|---|
15 days to 90 days |
4.50% | 5.00% | 5.20% | Any amount | 1 Nov 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
91 days to 180 days |
5.50% | 6.00% | 6.20% | Any amount | 1 Nov 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
181 daysto 364 days |
5.75% | 6.25% | 6.45% | Any amount | 1 Nov 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
1 year to 2 years |
6.75% | 7.25% | 7.45% | Any amount | 1 Nov 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 2 years to 3 years |
7.00% | 7.50% | 7.70% | Any amount | 1 Nov 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 3 years to 5 years |
6.75% | 7.25% | 7.45% | Any amount | 1 Nov 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 5 year to 10 Years |
6.00% | 6.50% | 6.70% | Any amount | 1 Nov 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
M.S. Co-op Bank FD returns at a glance based on investment amount
| Deposit | ~1 year6.75% | ~3 years7.00% | ~5 years6.75% | ~10 years6.00% |
|---|---|---|---|---|
| ₹50,000 | ₹53,461₹281/mo | ₹61,572₹292/mo | ₹69,875₹281/mo | ₹90,701₹250/mo |
| ₹1 lakh | ₹1,06,923₹563/mo | ₹1,23,144₹583/mo | ₹1,39,750₹563/mo | ₹1,81,402₹500/mo |
| ₹2 lakh | ₹2,13,846₹1,125/mo | ₹2,46,288₹1,167/mo | ₹2,79,500₹1,125/mo | ₹3,62,804₹1,000/mo |
| ₹5 lakh | ₹5,34,614₹2,813/mo | ₹6,15,720₹2,917/mo | ₹6,98,749₹2,813/mo | ₹9,07,009₹2,500/mo |
| ₹10 lakh | ₹10,69,228₹5,625/mo | ₹12,31,439₹5,833/mo | ₹13,97,499₹5,625/mo | ₹18,14,018₹5,000/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.
Super 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.
M.S. Co-op Bank Fixed Deposit rate changes
Changes to M.S. Co-op 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 M.S. Co-op Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare M.S. Co-op Bank with similar banks
Nearby banks paying a little more at 1 year
Banks with a similar rate at 1 year
Best FD rates among urban co-operative banks → Best FD rates in Gujarat →
M.S. Co-op Bank Fixed Deposit: frequently asked questions
What is the highest M.S. Co-op Bank Fixed Deposit interest rate?
As of 22 Oct 2026, M. S. Co-operative Bank Ltd. offers up to 7.00% p.a. on its fixed deposit (FD) (Above 2 years to 3 years) for general customers and 7.50% p.a. (Above 2 years to 3 years) for senior citizens. Rates below are as published by the bank — confirm with M.S. Co-op Bank before investing.
What is the M.S. Co-op Bank 1-year FD interest rate?
As of 22 Oct 2026, M. S. Co-operative Bank Ltd. offers 6.75% p.a. on a 1-year FD for general customers and 7.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Nov 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the M.S. Co-op Bank 2-year FD interest rate?
As of 22 Oct 2026, M. S. Co-operative Bank Ltd. offers 6.75% p.a. on a 2-year FD for general customers and 7.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Nov 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the M.S. Co-op Bank 3-year FD interest rate?
As of 22 Oct 2026, M. S. Co-operative Bank Ltd. offers 7.00% p.a. on a 3-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Nov 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the M.S. Co-op Bank 5-year FD interest rate?
As of 22 Oct 2026, M. S. Co-operative Bank Ltd. offers 6.75% p.a. on a 5-year FD for general customers and 7.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Nov 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at M.S. Co-op Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at M. S. Co-operative Bank Ltd., depending on the tenure.
When did M.S. Co-op Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to M. S. Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does M.S. Co-op Bank offer?
M. S. Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 7 tenure bands, from “15 days to 90 days” to “Above 5 year to 10 Years”.
Does M.S. Co-op Bank pay more than the Post Office Time Deposit?
M. S. Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.75% (PO 6.90%), 2y 6.75% (PO 7.00%), 3y 7.00% (PO 7.10%), 5y 6.75% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does M.S. Co-op Bank's 1-year FD rate rank?
M. S. Co-operative Bank Ltd.'s 1-year general FD rate of 6.75% ranks #136 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 M.S. Co-op Bank insured?
Deposits with M. S. Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these M.S. Co-op Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 1 Nov 2025. Rates can change without notice, so verify on the official M.S. Co-op Bank website before investing.
More M.S. Co-op Bank rates
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with M. S. Co-operative 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.
- M.S. 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 0.50% p.a. more than general customers at M.S. Co-op Bank, depending on the tenure.
Informational only — always confirm the current rate on the official M.S. 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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