Northern Railway Multi State Primary Co-operative Bank Ltd. Fixed Deposit interest rates · November 2026
What will my FD earn at Northern Railway Co-op Bank?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
15 days to 44 days |
4.00% | – | Any amount | 12 Sept 2023 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
45 days to 179 days |
4.50% | – | Any amount | 12 Sept 2023 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
180 days to Less than 1 year |
5.00% | – | Any amount | 12 Sept 2023 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
1 year to Less than 2 year |
7.00% | 7.50% | Any amount | 12 Sept 2023 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
2 Year to Less than 3 year |
7.25% | 7.75% | Any amount | 12 Sept 2023 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
3 Year to Less than 4 year |
8.00% | 8.50% | Any amount | 12 Sept 2023 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
4 years and above |
7.50% | 8.00% | Any amount | 12 Sept 2023 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
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Northern Railway 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
7.00%Before you book
Northern Railway Co-op Bank Fixed Deposit: frequently asked questions
What is the highest Northern Railway Co-op Bank Fixed Deposit interest rate?
As of 14 Nov 2026, Northern Railway Multi State Primary Co-operative Bank Ltd. offers up to 8.00% p.a. on its fixed deposit (FD) (3 Year to Less than 4 year) for general customers and 8.50% p.a. (3 Year to Less than 4 year) for senior citizens. Rates below are as published by the bank. Confirm with Northern Railway Co-op Bank before investing.
What is the Northern Railway Co-op Bank 1-year FD interest rate?
As of 14 Nov 2026, Northern Railway Multi State Primary Co-operative Bank Ltd. offers 7.00% p.a. on a 1-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 12 Sept 2023 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Northern Railway Co-op Bank 2-year FD interest rate?
As of 14 Nov 2026, Northern Railway Multi State Primary Co-operative Bank Ltd. offers 7.25% p.a. on a 2-year FD for general customers and 7.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 12 Sept 2023 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Northern Railway Co-op Bank 3-year FD interest rate?
As of 14 Nov 2026, Northern Railway Multi State Primary Co-operative Bank Ltd. offers 8.00% p.a. on a 3-year FD for general customers and 8.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 12 Sept 2023 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Northern Railway Co-op Bank 5-year FD interest rate?
As of 14 Nov 2026, Northern Railway Multi State Primary Co-operative Bank Ltd. offers 7.50% p.a. on a 5-year FD for general customers and 8.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 12 Sept 2023 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Northern Railway Co-op Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Northern Railway Multi State Primary Co-operative Bank Ltd., depending on the tenure.
When did Northern Railway Co-op Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to Northern Railway Multi State Primary Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 4 Nov 2026.
What fixed deposit (FD) tenures does Northern Railway Co-op Bank offer?
Northern Railway Multi State Primary Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 7 tenure bands, from “15 days to 44 days” to “4 years and above”.
Does Northern Railway Co-op Bank pay more than the Post Office Time Deposit?
Northern Railway Multi State Primary Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 3 of 4 standard tenures compared (general rates). Rates: 1y 7.00% (PO 6.90%), 2y 7.25% (PO 7.00%), 3y 8.00% (PO 7.10%), 5y 7.50% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Northern Railway Co-op Bank's 1-year FD rate rank?
Northern Railway Multi State Primary Co-operative Bank Ltd.'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%.
Is my fixed deposit (FD) with Northern Railway Co-op Bank insured?
Deposits with Northern Railway Multi State Primary Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Northern Railway Co-op Bank rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 12 Sept 2023. Rates can change without notice, so verify on the official Northern Railway Co-op Bank website before investing.
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Good to know
- Deposits with Northern Railway Multi State Primary 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.
- Northern Railway 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 Northern Railway Co-op Bank, depending on the tenure.
Informational only. Always confirm the current rate on the official Northern Railway 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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