Shri Vinayak Sahakari Bank Ltd. Fixed Deposit interest rates · October 2026
Shri Vinayak Bank's best Fixed Deposit rate is 8.50% (366 Days to 730 Days), 0.50 points below the best on the market (9.00%).
- Seniors: up to 9.00% (366 Days to 730 Days), 0.50 points above the general rate for that tenure.
| Tenure | General | Senior | Super Sr. | Applies to | Effective On | Source |
|---|---|---|---|---|---|---|
91 Days to 180 Days |
4.00% | 4.00% | 4.00% | Any amount | 1 Oct 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
181 Days to 365 Days |
6.00% | 6.00% | 6.00% | Any amount | 1 Oct 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
366 Days to 730 Days |
8.50% | 9.00% | 9.50% | Any amount | 1 Oct 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
731 Days to 1825 Days |
7.50% | 8.00% | 8.50% | Any amount | 1 Oct 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Shri Vinayak Bank FD returns at a glance based on investment amount
| Deposit | ~1 year6.00% | ~3 years7.50% | ~5 years7.50% |
|---|---|---|---|
| ₹50,000 | ₹53,068₹250/mo | ₹62,486₹313/mo | ₹72,497₹313/mo |
| ₹1 lakh | ₹1,06,136₹500/mo | ₹1,24,972₹625/mo | ₹1,44,995₹625/mo |
| ₹2 lakh | ₹2,12,273₹1,000/mo | ₹2,49,943₹1,250/mo | ₹2,89,990₹1,250/mo |
| ₹5 lakh | ₹5,30,682₹2,500/mo | ₹6,24,858₹3,125/mo | ₹7,24,974₹3,125/mo |
| ₹10 lakh | ₹10,61,364₹5,000/mo | ₹12,49,716₹6,250/mo | ₹14,49,948₹6,250/mo |
Illustrative · quarterly compounding · rates as of 22 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.
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General rate by tenure (% p.a.)
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.)
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.
Super Senior rate by tenure (% p.a.)
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.
Shri Vinayak Bank Fixed Deposit rate changes
Changes to Shri Vinayak Bank's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 22 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 Shri Vinayak Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Shri Vinayak Bank with similar banks
Nearby banks paying a little more at 1 year
Banks with a similar rate at 1 year
Best FD rates among urban co-operative banks → Best FD rates in Gujarat →
Shri Vinayak Bank Fixed Deposit: frequently asked questions
What is the highest Shri Vinayak Bank Fixed Deposit interest rate?
As of 22 Oct 2026, Shri Vinayak Sahakari Bank Ltd. offers up to 8.50% p.a. on its fixed deposit (FD) (366 Days to 730 Days) for general customers and 9.00% p.a. (366 Days to 730 Days) for senior citizens. Rates below are as published by the bank — confirm with Shri Vinayak Bank before investing.
What is the Shri Vinayak Bank 1-year FD interest rate?
As of 22 Oct 2026, Shri Vinayak Sahakari Bank Ltd. offers 6.00% p.a. on a 1-year FD for general customers and 6.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Oct 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Shri Vinayak Bank 2-year FD interest rate?
As of 22 Oct 2026, Shri Vinayak Sahakari Bank Ltd. offers 8.50% p.a. on a 2-year FD for general customers and 9.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Oct 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Shri Vinayak Bank 3-year FD interest rate?
As of 22 Oct 2026, Shri Vinayak Sahakari Bank Ltd. offers 7.50% p.a. on a 3-year FD for general customers and 8.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Oct 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Shri Vinayak Bank 5-year FD interest rate?
As of 22 Oct 2026, Shri Vinayak Sahakari 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 1 Oct 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Shri Vinayak Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Shri Vinayak Sahakari Bank Ltd., depending on the tenure.
When did Shri Vinayak Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to Shri Vinayak Sahakari Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Shri Vinayak Bank offer?
Shri Vinayak Sahakari Bank Ltd.'s published fixed deposit (FD) rate table has 4 tenure bands, from “91 Days to 180 Days” to “731 Days to 1825 Days”.
Does Shri Vinayak Bank pay more than the Post Office Time Deposit?
Shri Vinayak Sahakari Bank Ltd. pays more than the Post Office Time Deposit at 2 of 4 standard tenures compared (general rates). Rates: 1y 6.00% (PO 6.90%), 2y 8.50% (PO 7.00%), 3y 7.50% (PO 7.10%), 5y 7.50% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Shri Vinayak Bank's 1-year FD rate rank?
Shri Vinayak Sahakari Bank Ltd.'s 1-year general FD rate of 6.00% ranks #271 of 333 banks on RateScan.in (as of 22 Oct 2026). The highest is Sangli DCCB at 8.25%.
Is my fixed deposit (FD) with Shri Vinayak Bank insured?
Deposits with Shri Vinayak Sahakari Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Shri Vinayak Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 1 Oct 2025. Rates can change without notice, so verify on the official Shri Vinayak Bank website before investing.
More Shri Vinayak Bank rates
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with Shri Vinayak Sahakari 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.
- Shri Vinayak 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 Shri Vinayak Bank, depending on the tenure.
Informational only — always confirm the current rate on the official Shri Vinayak 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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