Smriti Nagrik Sahakari Bank Maryadit Fixed Deposit interest rates · November 2026
What will my FD earn at Smriti Nagrik Sahakari Bank?
| Tenure | General | Senior | Super Sr. | Applies to | Effective On | Source |
|---|---|---|---|---|---|---|
7 days to 45 days |
5.00% | 5.00% | 5.00% | Any amount | 15 May 2026 ✓ verified 13 Nov 2026 | official fetched 24 Oct 2026 |
46 days to 180 days |
6.00% | 6.00% | 6.00% | Any amount | 15 May 2026 ✓ verified 13 Nov 2026 | official fetched 24 Oct 2026 |
181 days to 364 days |
6.50% | 6.50% | 6.50% | Any amount | 15 May 2026 ✓ verified 13 Nov 2026 | official fetched 24 Oct 2026 |
12 months to less than 24 months |
7.25% | 8.00% | 8.00% | Any amount | 15 May 2026 ✓ verified 13 Nov 2026 | official fetched 24 Oct 2026 |
24 months to 60 months |
7.50% | 8.00% | 8.25% | Any amount | 15 May 2026 ✓ verified 13 Nov 2026 | official fetched 24 Oct 2026 |
above 60 months to 120 months |
6.75% | 7.25% | 7.50% | Any amount | 15 May 2026 ✓ verified 13 Nov 2026 | official fetched 24 Oct 2026 |
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Smriti Nagrik Sahakari 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
7.25%- Transcribed from the bank's published rate sheet (re-checked by SHA-256 on every fetch); rates for deposits up to Rs 15 lakh; the above-Rs-15-lakh columns and the savings balance slabs are not ingested
Before you book
Smriti Nagrik Sahakari Bank Fixed Deposit: frequently asked questions
What is the highest Smriti Nagrik Sahakari Bank Fixed Deposit interest rate?
As of 14 Nov 2026, Smriti Nagrik Sahakari Bank Maryadit offers up to 7.50% p.a. on its fixed deposit (FD) (24 months to 60 months) for general customers and 8.00% p.a. (12 months to less than 24 months) for senior citizens. Rates below are as published by the bank. Confirm with Smriti Nagrik Sahakari Bank before investing.
What is the Smriti Nagrik Sahakari Bank 1-year FD interest rate?
As of 14 Nov 2026, Smriti Nagrik Sahakari Bank Maryadit offers 7.25% p.a. on a 1-year FD for general customers and 8.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 15 May 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Smriti Nagrik Sahakari Bank 2-year FD interest rate?
As of 14 Nov 2026, Smriti Nagrik Sahakari Bank Maryadit offers 7.50% p.a. on a 2-year FD for general customers and 8.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 15 May 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Smriti Nagrik Sahakari Bank 3-year FD interest rate?
As of 14 Nov 2026, Smriti Nagrik Sahakari Bank Maryadit 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 15 May 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Smriti Nagrik Sahakari Bank 5-year FD interest rate?
As of 14 Nov 2026, Smriti Nagrik Sahakari Bank Maryadit 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 15 May 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Smriti Nagrik Sahakari Bank?
Yes. Senior citizens (60+) earn up to 0.75% p.a. more than general customers at Smriti Nagrik Sahakari Bank Maryadit, depending on the tenure.
When did Smriti Nagrik Sahakari Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to Smriti Nagrik Sahakari Bank Maryadit's fixed deposit (FD) rates since it started tracking them on 24 Oct 2026.
What fixed deposit (FD) tenures does Smriti Nagrik Sahakari Bank offer?
Smriti Nagrik Sahakari Bank Maryadit's published fixed deposit (FD) rate table has 6 tenure bands, from “7 days to 45 days” to “above 60 months to 120 months”.
Does Smriti Nagrik Sahakari Bank pay more than the Post Office Time Deposit?
Smriti Nagrik Sahakari Bank Maryadit pays more than the Post Office Time Deposit at 3 of 4 standard tenures compared (general rates). Rates: 1y 7.25% (PO 6.90%), 2y 7.50% (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 Smriti Nagrik Sahakari Bank's 1-year FD rate rank?
Smriti Nagrik Sahakari Bank Maryadit's 1-year general FD rate of 7.25% ranks #190 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 Smriti Nagrik Sahakari Bank insured?
Deposits with Smriti Nagrik Sahakari Bank Maryadit are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Smriti Nagrik Sahakari Bank rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 15 May 2026. Rates can change without notice, so verify on the official Smriti Nagrik Sahakari Bank website before investing.
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Good to know
- Deposits with Smriti Nagrik Sahakari Bank Maryadit 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.
- Smriti Nagrik Sahakari 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 0.75% p.a. more than general customers at Smriti Nagrik Sahakari Bank, depending on the tenure.
Informational only. Always confirm the current rate on the official Smriti Nagrik Sahakari 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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