The Municipal Co-operative Bank Ltd., Mumbai Fixed Deposit interest rates · November 2026
What will my FD earn at Municipal Co-op Bank?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 days to 45 days |
3.50% | 3.50% | Any amount | 1 Feb 2026 ✓ verified 13 Nov 2026 | official fetched 27 Oct 2026 |
46 days to 90 days |
3.75% | 3.75% | Any amount | 1 Feb 2026 ✓ verified 13 Nov 2026 | official fetched 27 Oct 2026 |
91 days to 179 days |
5.00% | 5.00% | Any amount | 1 Feb 2026 ✓ verified 13 Nov 2026 | official fetched 27 Oct 2026 |
180 Days to less than 1 Year |
6.00% | 6.00% | Any amount | 1 Feb 2026 ✓ verified 13 Nov 2026 | official fetched 27 Oct 2026 |
1 Year to less than 2 Years |
6.75% | 7.25% | Any amount | 1 Feb 2026 ✓ verified 13 Nov 2026 | official fetched 27 Oct 2026 |
15 months Special Deposit Scheme (15 months) |
7.00% | 7.50% | Any amount | 1 Feb 2026 ✓ verified 13 Nov 2026 | official fetched 27 Oct 2026 |
2 Years to less than 5 Years |
7.00% | 7.50% | Any amount | 1 Feb 2026 ✓ verified 13 Nov 2026 | official fetched 27 Oct 2026 |
5 Years to 10 Years |
6.00% | 6.50% | Any amount | 1 Feb 2026 ✓ verified 13 Nov 2026 | official fetched 27 Oct 2026 |
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Municipal 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
6.75%Before you book
Municipal Co-op Bank Fixed Deposit: frequently asked questions
What is the highest Municipal Co-op Bank Fixed Deposit interest rate?
As of 14 Nov 2026, The Municipal Co-operative Bank Ltd., Mumbai offers up to 7.00% p.a. on its fixed deposit (FD) (2 Years to less than 5 Years) for general customers and 7.50% p.a. (2 Years to less than 5 Years) for senior citizens. Rates below are as published by the bank. Confirm with Municipal Co-op Bank before investing.
What is the Municipal Co-op Bank 1-year FD interest rate?
As of 14 Nov 2026, The Municipal Co-operative Bank Ltd., Mumbai 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 Feb 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Municipal Co-op Bank 2-year FD interest rate?
As of 14 Nov 2026, The Municipal Co-operative Bank Ltd., Mumbai offers 7.00% p.a. on a 2-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Feb 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Municipal Co-op Bank 3-year FD interest rate?
As of 14 Nov 2026, The Municipal Co-operative Bank Ltd., Mumbai 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 Feb 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Municipal Co-op Bank 5-year FD interest rate?
As of 14 Nov 2026, The Municipal Co-operative Bank Ltd., Mumbai offers 6.00% 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 Feb 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Municipal Co-op Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Municipal Co-operative Bank Ltd., Mumbai, depending on the tenure.
When did Municipal Co-op Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Municipal Co-operative Bank Ltd., Mumbai's fixed deposit (FD) rates since it started tracking them on 27 Oct 2026.
What fixed deposit (FD) tenures does Municipal Co-op Bank offer?
The Municipal Co-operative Bank Ltd., Mumbai's published fixed deposit (FD) rate table has 7 tenure bands, from “7 days to 45 days” to “5 Years to 10 Years”.
Does Municipal Co-op Bank have special fixed deposit (FD) schemes?
The Municipal Co-operative Bank Ltd., Mumbai's rate table lists these named schemes (1): Special Deposit Scheme (15 months). Check eligibility and end dates with the bank.
Does Municipal Co-op Bank pay more than the Post Office Time Deposit?
The Municipal Co-operative Bank Ltd., Mumbai 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 7.00% (PO 7.00%), 3y 7.00% (PO 7.10%), 5y 6.00% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Municipal Co-op Bank's 1-year FD rate rank?
The Municipal Co-operative Bank Ltd., Mumbai's 1-year general FD rate of 6.75% ranks #480 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 Municipal Co-op Bank insured?
Deposits with The Municipal 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 Municipal Co-op Bank rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 1 Feb 2026. Rates can change without notice, so verify on the official Municipal Co-op Bank website before investing.
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Good to know
- Deposits with The Municipal 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.
- Municipal 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 Municipal Co-op Bank, depending on the tenure.
- Municipal Co-op Bank's FD table includes 1 special schemes; check eligibility and end dates.
Informational only. Always confirm the current rate on the official Municipal 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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