The Ponani Co-operative Urban Bank Ltd. interest rates · November 2026
Ponani Co-op Urban Bank FD rates
All tenures, calculator and comparison →What will my FD earn at Ponani Co-op Urban Bank?
Overview
The Ponani Co-operative Urban Bank Ltd. (Ponani Co-op Urban Bank) is an urban co-operative bank (UCB), headquartered in Ponnani. Its headline 1-year FD rate of 7.50% is 0.85% above the urban co-operative bank average of 6.65%, ranking #105 of 1033 banks on RateScan.in.
Rates as of 1 Nov 2022, verified from official source. Urban co-operative bank, regulated by RBI and the state Registrar of Co-operative Societies: deposits insured by DICGC up to ₹5,00,000. One of 961 co-operative banks whose rates we checked at the source in the last 7 days.
RBI record
Every RBI press release since 1 Jan 2024 that names The Ponani Co-operative Urban Bank Ltd., newest first, each linked to RBI. Checked every week; last on 11 Nov 2026.
A monetary penalty is a fine for not following an RBI rule. On its own it does not stop the bank taking or repaying deposits; RBI does that through directions, which are listed here when they apply.
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RBI fined the bank ₹50,000
RBI's reason: “for non-compliance with certain directions issued by RBI on ‘Co-operative Banks - Interest Rate on Deposits’”
What RBI found
“The bank had opened certain savings deposit accounts in the name of ineligible entities.”
RBI says: “This action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers.”
This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.
Branches
13 branches, all in Malappuram
Most branches: Malappuram 13
From the bank's own branch list (checked 3 Nov 2026); RBI's IFSC directory lists these branches under one shared code. Check with the bank before visiting: ponaniurban.bank.in
Ponani Co-op Urban Bank rates
Every rate, tenure by tenure, and what your money grows to.
Ponani Co-op Urban Bank Fixed Deposit rate changes
Changes to Ponani Co-op Urban Bank's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 25 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 Ponani Co-op Urban Bank's fixed deposit (FD) rates has been recorded since tracking started on 25 Oct 2026.
Good to know
- Deposits with The Ponani Co-operative Urban 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.
- Ponani Co-op 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.
Informational only. Always confirm the current rate on the official Ponani Co-op 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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