Rates verified from official source

Ratnagiri District Central Co-operative Bank Ltd. Fixed Deposit interest rates · November 2026

Ratnagiri DCC Bank's best Fixed Deposit rate is 7.50% (181 days to 365 days), 0.60 points below the best on the market (8.10%).

  • Seniors: up to 7.75% (181 days to 365 days), 0.25 points above the general rate for that tenure.

What will my FD earn at Ratnagiri DCC Bank?

Estimated value after 1 year · before tax ₹5,38,568 7.50% p.a. · ₹38,568 interest · quarterly compounding
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Deposit amount

Showing 7 of 28 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 days to 45 days
Below ₹1 crore
 3.50% 3.75% Below ₹1 crore
1 Jul 2025
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
46 days
to 90 days
Below ₹1 crore
 4.00% 4.25% Below ₹1 crore
1 Jul 2025
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
91 days to
180 days
Below ₹1 crore
 5.00% 5.25% Below ₹1 crore
1 Jul 2025
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
181 days
to 365 days
Below ₹1 crore
 7.50% 7.75% Below ₹1 crore
1 Jul 2025
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
Above 1 year
to 2 years
Below ₹1 crore
 6.75% 7.00% Below ₹1 crore
1 Jul 2025
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
Above 2 years
to 5 years
Below ₹1 crore
 5.50% 5.75% Below ₹1 crore
1 Jul 2025
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
Above 5 years
up to 10 years
 5.25% 5.50% Below ₹1 crore
1 Jul 2025
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
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Ratnagiri DCC Bank FD return examples

DepositHighest rate1 year7.50%2 years6.75%5 years5.50%10 years5.25%
₹50,000★₹53,857₹3,857 a year₹313/mo₹57,162₹3,461 a year₹281/mo₹65,703₹2,807 a year₹229/mo₹84,235₹2,677 a year₹219/mo
₹1 lakh★₹1,07,714₹7,714 a year₹625/mo₹1,14,325₹6,923 a year₹563/mo₹1,31,407₹5,614 a year₹458/mo₹1,68,470₹5,354 a year₹438/mo
₹2 lakh★₹2,15,427₹15,427 a year₹1,250/mo₹2,28,650₹13,846 a year₹1,125/mo₹2,62,813₹11,229 a year₹917/mo₹3,36,939₹10,709 a year₹875/mo
₹5 lakh★₹5,38,568₹38,568 a year₹3,125/mo₹5,71,624₹34,614 a year₹2,813/mo₹6,57,033₹28,072 a year₹2,292/mo₹8,42,348₹26,771 a year₹2,188/mo
₹10 lakh★₹10,77,136₹77,136 a year₹6,250/mo₹11,43,248₹69,228 a year₹5,625/mo₹13,14,067₹56,145 a year₹4,583/mo₹16,84,695₹53,543 a year₹4,375/mo

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

Select a term · Annual rates for ₹5,00,000

1 year

7.50%
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Market rank & rate source

#105 of 1033

181 days to 365 days · Below ₹1 crore

Official rate sheet ↗
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Before you book

Ratnagiri DCC Bank Fixed Deposit: frequently asked questions

What is the highest Ratnagiri DCC Bank Fixed Deposit interest rate?

As of 14 Nov 2026, Ratnagiri District Central Co-operative Bank Ltd. offers up to 7.50% p.a. on its fixed deposit (FD) (181 days to 365 days) for general customers and 7.75% p.a. (181 days to 365 days) for senior citizens. Rates below are as published by the bank. Confirm with Ratnagiri DCC Bank before investing.

See today's top interest rates →

What is the Ratnagiri DCC Bank 1-year FD interest rate?

As of 14 Nov 2026, Ratnagiri District Central Co-operative Bank Ltd. offers 7.50% p.a. on a 1-year FD for general customers and 7.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Jul 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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What is the Ratnagiri DCC Bank 2-year FD interest rate?

As of 14 Nov 2026, Ratnagiri District Central Co-operative Bank Ltd. offers 6.75% p.a. on a 2-year FD for general customers and 7.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Jul 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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What is the Ratnagiri DCC Bank 3-year FD interest rate?

As of 14 Nov 2026, Ratnagiri District Central Co-operative Bank Ltd. offers 5.50% p.a. on a 3-year FD for general customers and 5.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Jul 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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What is the Ratnagiri DCC Bank 5-year FD interest rate?

As of 14 Nov 2026, Ratnagiri District Central Co-operative Bank Ltd. offers 5.50% p.a. on a 5-year FD for general customers and 5.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Jul 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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Do senior citizens get higher Fixed Deposit rates at Ratnagiri DCC Bank?

Yes. Senior citizens (60+) earn up to 0.25% p.a. more than general customers at Ratnagiri District Central Co-operative Bank Ltd., depending on the tenure.

See today's top senior citizen rates →

When did Ratnagiri DCC Bank last change its Fixed Deposit rates?

RateScan.in has recorded no change to Ratnagiri District Central Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 27 Oct 2026.

Rate movements →

What fixed deposit (FD) tenures does Ratnagiri DCC Bank offer?

Ratnagiri District Central Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 8 tenure bands, from “7 days to 45 days” to “Above 5 years up to 10 years”.

Does Ratnagiri DCC Bank pay different fixed deposit (FD) rates by deposit size?

Yes. Ratnagiri District Central Co-operative Bank Ltd.'s table lists separate bands: Below ₹1 crore; Above ₹1 crore to ₹5 crore; Above ₹5 crore to ₹10 crore; Above ₹10 crore. Each row shows the band it applies to.

Does Ratnagiri DCC Bank pay more than the Post Office Time Deposit?

Ratnagiri District Central Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 1 of 4 standard tenures compared (general rates). Rates: 1y 7.50% (PO 6.90%), 2y 6.75% (PO 7.00%), 3y 5.50% (PO 7.10%), 5y 5.50% (PO 7.50%). PO is the Post Office Time Deposit rate.

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How does Ratnagiri DCC Bank's 1-year FD rate rank?

Ratnagiri District Central Co-operative Bank Ltd.'s 1-year general FD rate of 7.50% ranks #105 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.

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Is my fixed deposit (FD) with Ratnagiri DCC Bank insured?

Deposits with Ratnagiri District Central Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these Ratnagiri DCC Bank rates?

RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 1 Jul 2025. Rates can change without notice, so verify on the official Ratnagiri DCC Bank website before investing.

Rate movements →

More Ratnagiri DCC Bank rates

Ratnagiri DCC Bank overviewRatnagiri DCC Bank Savings rates

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Rajapur Urban Bank 8.30%

Best FD rates among district co-operative banks → Best FD rates in Maharashtra →

Good to know

  • Deposits with Ratnagiri District Central 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.
  • Ratnagiri DCC Bank is a district central 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 0.25% p.a. more than general customers at Ratnagiri DCC Bank, depending on the tenure.
official Effective 1 Jul 2025 · Ingested 27 Oct 2026 · Verified 13 Nov 2026 · View source

Informational only. Always confirm the current rate on the official Ratnagiri DCC 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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