Rates verified from official source

Saraswat Co-operative Bank Ltd. Fixed Deposit interest rates · October 2026

Saraswat Bank's best Fixed Deposit rate is 7.00% (Above 3 years to 4 years), 1.25 points below the best on the market (8.25%).

  • Seniors: up to 7.40% (Above 3 years to 4 years), 0.40 points above the general rate for that tenure.
Deposit amount

Showing 17 of 89 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 days to 14 days
Below ₹1 crore
 3.00% 3.50% Below ₹1 crore
1 Jul 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
15 days to 30 days
Below ₹1 crore
 3.15% 3.65% Below ₹1 crore
1 Jul 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
31 days to 60 days
Below ₹1 crore
 3.50% 4.00% Below ₹1 crore
1 Jul 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
61 days to 91 days
 4.00% 4.50% Below ₹1 crore
1 Jul 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
92 days
 4.50% 5.00% Below ₹1 crore
1 Jul 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
93 days to 179 days
 4.75% 5.25% Below ₹1 crore
1 Jul 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
180 days
Below ₹1 crore
 5.50% 6.00% Below ₹1 crore
1 Jul 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
181 days to 240 days
Below ₹1 crore
 5.75% 6.25% Below ₹1 crore
1 Jul 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
241 days up to less than 1 year
Below ₹1 crore
 6.00% 6.50% Below ₹1 crore
1 Jul 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
1 year
Below ₹1 crore
 6.60% 7.10% Below ₹1 crore
1 Jul 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
1 year 1 day to 1 year 10 days
Below ₹1 crore
 6.60% 7.10% Below ₹1 crore
1 Jul 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
1 year 11 days to 2 years
 6.60% 7.10% Below ₹1 crore
1 Jul 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
2 years 1 day to 2 years 10 days
 6.60% 7.10% Below ₹1 crore
1 Jul 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
2 years 11 days to 3 years
 6.80% 7.30% Below ₹1 crore
1 Jul 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
Above 3 years to 4 years
 7.00% 7.40% Below ₹1 crore
1 Jul 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
Above 4 years to 5 years
 7.00% 7.40% Below ₹1 crore
1 Jul 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
Above 5 years to 10 years
Below ₹1 crore
 6.60% 7.10% Below ₹1 crore
1 Jul 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
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Saraswat Bank FD returns at a glance based on investment amount

Deposit~1 year6.60%~3 years6.80%~5 years7.00%~10 years6.60%
₹50,000₹53,383₹275/mo₹61,210₹283/mo₹70,739₹292/mo₹96,220₹275/mo
₹1 lakh₹1,06,765₹550/mo₹1,22,420₹567/mo₹1,41,478₹583/mo₹1,92,440₹550/mo
₹2 lakh₹2,13,530₹1,100/mo₹2,44,839₹1,133/mo₹2,82,956₹1,167/mo₹3,84,880₹1,100/mo
₹5 lakh₹5,33,826₹2,750/mo₹6,12,099₹2,833/mo₹7,07,389₹2,917/mo₹9,62,200₹2,750/mo
₹10 lakh₹10,67,652₹5,500/mo₹12,24,197₹5,667/mo₹14,14,778₹5,833/mo₹19,24,400₹5,500/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.

Compare Saraswat Bank Fixed Deposit Returns with other Top Banks

Pick up to three other banks (Post Office is pre-selected when available), an amount (or type your own) and whether you are a senior citizen. Rows are 1, 3, 5 and 10 years — a year is shown only when Saraswat Bank has a rate for it. Bank D stays visible so you can add a fourth comparison.

Saraswat Bank

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Chart shows the Below ₹1 crore rates; other deposit amounts are in the table above.

General rate by tenure (% p.a.)

3%4%5%6%7% 7d15d1m2m3m3m6m6m8m1y366d376d731d741d1096d1461d1826d General Post Office TD

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.)

3%4%5%6%7% 7d15d1m2m3m3m6m6m8m1y366d376d731d741d1096d1461d1826d Senior General Post Office TD

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.)

3%4%5%6%7% 7d15d1m2m3m3m6m6m8m1y366d376d731d741d1096d1461d1826d Senior Senior Post Office TD

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.

Saraswat Bank Fixed Deposit rate changes

Changes to Saraswat 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 Saraswat Bank's fixed deposit (FD) rates has been recorded since tracking started on 21 Oct 2026.

Compare Saraswat Bank with similar banks

Nearby banks paying a little more at 1 year

SJSB Bank 6.65%Apna Bank 6.70%Sangli Urban Bank 6.75%

Banks with a similar rate at 1 year

GP Parsik Bank 6.60%DNS Bank 6.50%Janata Sahakari Bank (Pune) 6.50%

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

Saraswat Bank Fixed Deposit: frequently asked questions

What is the highest Saraswat Bank Fixed Deposit interest rate?

As of 21 Oct 2026, Saraswat Co-operative Bank Ltd. offers up to 7.00% p.a. on its fixed deposit (FD) (Above 3 years to 4 years) for general customers and 7.40% p.a. (Above 3 years to 4 years) for senior citizens. Rates below are as published by the bank — confirm with Saraswat Bank before investing.

See today's top interest rates →

What is the Saraswat Bank 1-year FD interest rate?

As of 21 Oct 2026, Saraswat Co-operative Bank Ltd. offers 6.60% p.a. on a 1-year FD for general customers and 7.10% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Jul 2026 and was last verified 21 Oct 2026. Source: the bank's official rate page.

Compare 1-year FD rates →

What is the Saraswat Bank 2-year FD interest rate?

As of 21 Oct 2026, Saraswat Co-operative Bank Ltd. offers 6.60% p.a. on a 2-year FD for general customers and 7.10% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Jul 2026 and was last verified 21 Oct 2026. Source: the bank's official rate page.

Compare 2-year FD rates →

What is the Saraswat Bank 3-year FD interest rate?

As of 21 Oct 2026, Saraswat Co-operative Bank Ltd. offers 6.80% p.a. on a 3-year FD for general customers and 7.30% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Jul 2026 and was last verified 21 Oct 2026. Source: the bank's official rate page.

Compare 3-year FD rates →

What is the Saraswat Bank 5-year FD interest rate?

As of 21 Oct 2026, Saraswat Co-operative Bank Ltd. offers 7.00% p.a. on a 5-year FD for general customers and 7.40% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Jul 2026 and was last verified 21 Oct 2026. Source: the bank's official rate page.

Compare 5-year FD rates →

Do senior citizens get higher Fixed Deposit rates at Saraswat Bank?

Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Saraswat Co-operative Bank Ltd., depending on the tenure.

See today's top senior citizen rates →

When did Saraswat Bank last change its Fixed Deposit rates?

RateScan.in has recorded no change to Saraswat Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 21 Oct 2026.

Rate movements →

What fixed deposit (FD) tenures does Saraswat Bank offer?

Saraswat Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 26 tenure bands, from “7 days to 14 days” to “Above 5 years to 10 years”.

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

Yes. Saraswat Co-operative Bank Ltd.'s table lists separate bands: Below ₹1 crore; ₹1 crore to below ₹2 crore; ₹2 crore to below ₹5 crore; ₹5 crore to below ₹10 crore; ₹10 crore and above. Each row shows the band it applies to.

Does Saraswat Bank pay more than the Post Office Time Deposit?

Saraswat Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.60% (PO 6.90%), 2y 6.60% (PO 7.00%), 3y 6.80% (PO 7.10%), 5y 7.00% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

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

Saraswat Co-operative Bank Ltd.'s 1-year general FD rate of 6.60% ranks #134 of 255 banks on RateScan.in (as of 21 Oct 2026). The highest is Sangli DCCB at 8.25%.

Compare 1-year FD rates →

Is my fixed deposit (FD) with Saraswat Bank insured?

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

How current are these Saraswat Bank rates?

RateScan.in refreshed this dataset on 21 Oct 2026; the bank's rates shown here are effective 1 Jul 2026. Rates can change without notice, so verify on the official Saraswat Bank website before investing.

Rate movements →

More Saraswat Bank rates

Saraswat Bank overviewSaraswat Bank Savings ratesSaraswat Bank NRE FD ratesSaraswat Bank FCNR(B) rates

Fixed Deposit rates at other banks

Bapunagar Mahila Bank Fixed Deposit ratesSangli DCCB Fixed Deposit ratesSuryoday Fixed Deposit ratesChitradurga DCC Fixed Deposit ratesKCDCCB Fixed Deposit ratesUtkarsh Fixed Deposit ratesSrikakulam DCCB Fixed Deposit ratesWarangal DCCB Fixed Deposit ratesJSKB Dewas Fixed Deposit ratesJSKB Jhabua Fixed Deposit ratesBest Fixed Deposit rates across all banks

Higher 1 year Fixed Deposit rates than Saraswat Bank

33 banks serving Maharashtra pay more. Top picks:

Co-operative Highest Sangli DCCB 8.25% +1.65% vs Saraswat Bank Small Finance Suryoday 7.25% +0.65% vs Saraswat Bank Private RBL 7.05% +0.45% vs Saraswat Bank

See every higher rate in Maharashtra →

Rate by tenure, and what it grows to Deposit
1 year General6.60%₹1,06,765 Senior7.10%₹1,07,291 2 years General6.60%₹1,13,988 Senior7.10%₹1,15,114 3 years General6.80%₹1,22,420 Senior7.30%₹1,24,238 5 years General7.00%₹1,41,478 Senior7.40%₹1,44,285

Cumulative FD, quarterly compounding. Illustrative, not a bank quote.

Good to know

  • Deposits with Saraswat 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.
  • Saraswat 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 Saraswat Bank, depending on the tenure.
official Effective 1 Jul 2026 · Ingested 21 Oct 2026 · Verified 21 Oct 2026 · View source

Informational only — always confirm the current rate on the official Saraswat 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.