Payangadi Urban Co-operative Bank Ltd. Fixed Deposit interest rates · November 2026
What will my FD earn at Payangadi Urban Bank?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
30 days to 45 days |
6.00% | 6.50% | Any amount | 15 Apr 2024 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
46 days to 90 days |
6.25% | 6.75% | Any amount | 15 Apr 2024 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
91 days to 179 days |
6.50% | 7.00% | Any amount | 15 Apr 2024 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
180 days to 364 days |
7.00% | 7.50% | Any amount | 15 Apr 2024 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
12 months to 24 months |
7.75% | 8.25% | Any amount | 15 Apr 2024 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
25 months to 36 months |
8.00% | 8.50% | Any amount | 15 Apr 2024 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
37 months to 60 months |
8.10% | 8.60% | Any amount | 15 Apr 2024 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
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Payangadi Urban 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
7.75%Before you book
Payangadi Urban Bank Fixed Deposit: frequently asked questions
What is the highest Payangadi Urban Bank Fixed Deposit interest rate?
As of 14 Nov 2026, Payangadi Urban Co-operative Bank Ltd. offers up to 8.10% p.a. on its fixed deposit (FD) (37 months to 60 months) for general customers and 8.60% p.a. (37 months to 60 months) for senior citizens. Rates below are as published by the bank. Confirm with Payangadi Urban Bank before investing.
What is the Payangadi Urban Bank 1-year FD interest rate?
As of 14 Nov 2026, Payangadi Urban Co-operative Bank Ltd. offers 7.75% p.a. on a 1-year FD for general customers and 8.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 15 Apr 2024 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Payangadi Urban Bank 2-year FD interest rate?
As of 14 Nov 2026, Payangadi Urban Co-operative Bank Ltd. offers 7.75% p.a. on a 2-year FD for general customers and 8.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 15 Apr 2024 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Payangadi Urban Bank 3-year FD interest rate?
As of 14 Nov 2026, Payangadi Urban 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 15 Apr 2024 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Payangadi Urban Bank 5-year FD interest rate?
As of 14 Nov 2026, Payangadi Urban Co-operative Bank Ltd. offers 8.10% p.a. on a 5-year FD for general customers and 8.60% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 15 Apr 2024 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Payangadi Urban Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Payangadi Urban Co-operative Bank Ltd., depending on the tenure.
When did Payangadi Urban Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to Payangadi Urban Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 4 Nov 2026.
What fixed deposit (FD) tenures does Payangadi Urban Bank offer?
Payangadi Urban Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 7 tenure bands, from “30 days to 45 days” to “37 months to 60 months”.
Does Payangadi Urban Bank pay more than the Post Office Time Deposit?
Payangadi Urban Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 4 of 4 standard tenures compared (general rates). Rates: 1y 7.75% (PO 6.90%), 2y 7.75% (PO 7.00%), 3y 8.00% (PO 7.10%), 5y 8.10% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Payangadi Urban Bank's 1-year FD rate rank?
Payangadi Urban Co-operative Bank Ltd.'s 1-year general FD rate of 7.75% ranks #65 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 Payangadi Urban Bank insured?
Deposits with Payangadi Urban Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Payangadi Urban Bank rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 15 Apr 2024. Rates can change without notice, so verify on the official Payangadi Urban Bank website before investing.
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Good to know
- Deposits with Payangadi Urban 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.
- Payangadi Urban 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 Payangadi Urban Bank, depending on the tenure.
Informational only. Always confirm the current rate on the official Payangadi Urban 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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