NKGSB Co-operative Bank Ltd. Fixed Deposit interest rates · October 2026
NKGSB Bank's best Fixed Deposit rate is 7.00% (15 months 01 day – less than 16 months), 2.00 points below the best on the market (9.00%).
- Seniors: up to 7.30% (15 months 01 day – less than 16 months), 0.30 points above the general rate for that tenure.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 days - 44 days |
2.75% | 3.00% | Any amount | 26 Jan 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
45 days - 90 days |
4.00% | 4.50% | Any amount | 26 Jan 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
91 days - 180 days |
5.00% | 5.50% | Any amount | 26 Jan 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
181 days - 364 days |
5.75% | 6.00% | Any amount | 26 Jan 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
12 months - 15 months |
6.40% | 7.00% | Any amount | 26 Jan 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
15 months 01 day – less than 16 months |
7.00% | 7.30% | Any amount | 26 Jan 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
16 months - 24 months |
6.80% | 7.20% | Any amount | 26 Jan 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
25 months - 36 months |
6.65% | 7.15% | Any amount | 26 Jan 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
Above 3 years - upto 5 years |
6.60% | 7.10% | Any amount | 26 Jan 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
5 years (Annapurna Tax Benefit, 80C) Annapurna Tax Benefit (80C) |
6.60% | 6.60% | Any amount | 26 Jan 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
Above 5 years - upto 7 years |
6.40% | 6.75% | Any amount | 26 Jan 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
Above 7 years - upto 10 years |
6.40% | 6.75% | Any amount | 26 Jan 2026 ✓ verified 21 Oct 2026 | official fetched 21 Oct 2026 |
NKGSB Bank FD returns at a glance based on investment amount
| Deposit | ~1 year6.40% | ~3 years6.65% | ~5 years6.60% | ~10 years6.40% |
|---|---|---|---|---|
| ₹50,000 | ₹53,278₹267/mo | ₹60,940₹277/mo | ₹69,361₹275/mo | ₹94,345₹267/mo |
| ₹1 lakh | ₹1,06,555₹533/mo | ₹1,21,879₹554/mo | ₹1,38,723₹550/mo | ₹1,88,690₹533/mo |
| ₹2 lakh | ₹2,13,110₹1,067/mo | ₹2,43,758₹1,108/mo | ₹2,77,445₹1,100/mo | ₹3,77,380₹1,067/mo |
| ₹5 lakh | ₹5,32,776₹2,667/mo | ₹6,09,396₹2,771/mo | ₹6,93,614₹2,750/mo | ₹9,43,449₹2,667/mo |
| ₹10 lakh | ₹10,65,552₹5,333/mo | ₹12,18,792₹5,542/mo | ₹13,87,227₹5,500/mo | ₹18,86,898₹5,333/mo |
Illustrative · quarterly compounding · rates as of 21 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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- 5 years, no premature payment; same rate for every category
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.
NKGSB Bank Fixed Deposit rate changes
Changes to NKGSB Bank's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 21 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 NKGSB Bank's fixed deposit (FD) rates has been recorded since tracking started on 21 Oct 2026.
Compare NKGSB 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 Maharashtra →
NKGSB Bank Fixed Deposit: frequently asked questions
What is the highest NKGSB Bank Fixed Deposit interest rate?
As of 21 Oct 2026, NKGSB Co-operative Bank Ltd. offers up to 7.00% p.a. on its fixed deposit (FD) (15 months 01 day – less than 16 months) for general customers and 7.30% p.a. (15 months 01 day – less than 16 months) for senior citizens. Rates below are as published by the bank — confirm with NKGSB Bank before investing.
What is the NKGSB Bank 1-year FD interest rate?
As of 21 Oct 2026, NKGSB Co-operative Bank Ltd. offers 6.40% 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 26 Jan 2026 and was last verified 21 Oct 2026. Source: the bank's official rate page.
What is the NKGSB Bank 2-year FD interest rate?
As of 21 Oct 2026, NKGSB Co-operative Bank Ltd. offers 6.80% p.a. on a 2-year FD for general customers and 7.20% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 26 Jan 2026 and was last verified 21 Oct 2026. Source: the bank's official rate page.
What is the NKGSB Bank 3-year FD interest rate?
As of 21 Oct 2026, NKGSB Co-operative Bank Ltd. offers 6.65% p.a. on a 3-year FD for general customers and 7.15% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 26 Jan 2026 and was last verified 21 Oct 2026. Source: the bank's official rate page.
What is the NKGSB Bank 5-year FD interest rate?
As of 21 Oct 2026, NKGSB Co-operative Bank Ltd. offers 6.60% p.a. on a 5-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 26 Jan 2026 and was last verified 21 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at NKGSB Bank?
Yes. Senior citizens (60+) earn up to 0.60% p.a. more than general customers at NKGSB Co-operative Bank Ltd., depending on the tenure.
When did NKGSB Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to NKGSB Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 21 Oct 2026.
What fixed deposit (FD) tenures does NKGSB Bank offer?
NKGSB Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 11 tenure bands, from “7 days - 44 days” to “Above 7 years - upto 10 years”.
Does NKGSB Bank have special fixed deposit (FD) schemes?
NKGSB Co-operative Bank Ltd.'s rate table lists these named schemes (1): Annapurna Tax Benefit (80C). Check eligibility and end dates with the bank.
Does NKGSB Bank pay more than the Post Office Time Deposit?
NKGSB Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.40% (PO 6.90%), 2y 6.80% (PO 7.00%), 3y 6.65% (PO 7.10%), 5y 6.60% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does NKGSB Bank's 1-year FD rate rank?
NKGSB Co-operative Bank Ltd.'s 1-year general FD rate of 6.40% ranks #178 of 259 banks on RateScan.in (as of 21 Oct 2026). The highest is Sangli DCCB at 8.25%.
Is my fixed deposit (FD) with NKGSB Bank insured?
Deposits with NKGSB Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these NKGSB Bank rates?
RateScan.in refreshed this dataset on 21 Oct 2026; the bank's rates shown here are effective 26 Jan 2026. Rates can change without notice, so verify on the official NKGSB Bank website before investing.
More NKGSB Bank rates
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with NKGSB 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.
- NKGSB 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 0.60% p.a. more than general customers at NKGSB Bank, depending on the tenure.
- NKGSB Bank's FD table includes 1 special schemes; check eligibility and end dates.
Informational only — always confirm the current rate on the official NKGSB 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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