Rates verified from official source

The Surat Peoples Co-operative Bank Ltd. Fixed Deposit interest rates · October 2026

Surat Peoples Bank's best Fixed Deposit rate is 7.25% (555 days), 1.75 points below the best on the market (9.00%).

  • Seniors: up to 7.50% (Above 1 year up to 2 years), 0.50 points above the general rate for that tenure.
Deposit amount

Showing 14 of 70 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 days up to 14 days
Below ₹1 crore
 3.75% 3.75% Below ₹1 crore
1 May 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
15 days up to 30 days
Below ₹1 crore
 3.75% 3.75% Below ₹1 crore
1 May 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
31 days up to 45 days
Below ₹1 crore
 3.75% 3.75% Below ₹1 crore
1 May 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
46 days up to 90 days
Below ₹1 crore
 4.00% 4.00% Below ₹1 crore
1 May 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
91 days up to 180 days
Below ₹1 crore
 4.25% 4.25% Below ₹1 crore
1 May 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
181 days up to 1 year
Below ₹1 crore
 6.00% 6.00% Below ₹1 crore
1 May 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
Above 1 year up to 2 years
Below ₹1 crore
 7.00% 7.50% Below ₹1 crore
1 May 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
555 days
555-days Deposit Scheme
Below ₹1 crore
 7.25% 7.25% Below ₹1 crore
1 May 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
Above 2 year up to 3 years
Below ₹1 crore
 7.00% 7.50% Below ₹1 crore
1 May 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
Above 3 year up to 4 years
Below ₹1 crore
 7.00% 7.50% Below ₹1 crore
1 May 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
Above 4 year up to 5 years
Below ₹1 crore
 6.75% 7.25% Below ₹1 crore
1 May 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
Above 5 year up to 8 years
Below ₹1 crore
 5.75% 6.25% Below ₹1 crore
1 May 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
85 months
VasudharaUdyog Machinery Vikas Loan Yojana (85-month cumulative term deposit)
Below ₹1 crore
 6.00% 6.00% Below ₹1 crore
1 May 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026
Above 8 year up to 10 years
Below ₹1 crore
 5.25% 5.75% Below ₹1 crore
1 May 2026
official
fetched 10 Oct 2026
✓ verified 18 Oct 2026

Surat Peoples Bank FD returns at a glance based on investment amount

Deposit~1 year6.00%~3 years7.00%~5 years6.75%~10 years5.25%
₹50,000₹53,068₹250/mo₹61,572₹292/mo₹69,875₹281/mo₹84,235₹219/mo
₹1 lakh₹1,06,136₹500/mo₹1,23,144₹583/mo₹1,39,750₹563/mo₹1,68,470₹438/mo
₹2 lakh₹2,12,273₹1,000/mo₹2,46,288₹1,167/mo₹2,79,500₹1,125/mo₹3,36,939₹875/mo
₹5 lakh₹5,30,682₹2,500/mo₹6,15,720₹2,917/mo₹6,98,749₹2,813/mo₹8,42,348₹2,188/mo
₹10 lakh₹10,61,364₹5,000/mo₹12,31,439₹5,833/mo₹13,97,499₹5,625/mo₹16,84,695₹4,375/mo

Illustrative · quarterly compounding · rates as of 18 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 Surat Peoples 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 Surat Peoples Bank has a rate for it. Bank D stays visible so you can add a fourth comparison.

Surat Peoples 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% 7d15d1m2m3m6m366d555d731d1096d1461d1826d2585d2921d 3.753.753.754.004.256.007.007.257.007.006.755.756.005.25 General Post Office TD Special scheme

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% 7d15d1m2m3m6m366d555d731d1096d1461d1826d2585d2921d 3.753.753.754.004.256.007.507.257.507.507.256.256.005.75 Senior General Post Office TD Special scheme

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% 7d15d1m2m3m6m366d555d731d1096d1461d1826d2585d2921d 3.753.753.754.004.256.007.507.257.507.507.256.256.005.75 Senior Senior Post Office TD Special scheme

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.

Higher 1 year Fixed Deposit rates than Surat Peoples Bank

57 banks serving Gujarat pay more. Top picks:

Co-operative Highest Akhand Anand Bank 7.85% +1.85% vs Surat Peoples Bank Small Finance Suryoday 7.25% +1.25% vs Surat Peoples Bank Private RBL 7.05% +1.05% vs Surat Peoples Bank

See every higher rate in Gujarat →

Surat Peoples Bank Fixed Deposit rate changes

Changes to Surat Peoples Bank's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 10 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 Surat Peoples Bank's fixed deposit (FD) rates has been recorded since tracking started on 10 Oct 2026.

Compare Surat Peoples Bank with similar banks

Nearby banks paying a little more at 1 year

Citizen Credit Co-op Bank 6.10%Abhyudaya Bank 6.15%BMC Bank (Mumbai) 6.15%

Banks with a similar rate at 1 year

Bapunagar Mahila Bank 6.00%Shikshak Bank 6.15%SBPP Bank (Pardi) 5.75%

Best FD rates among urban co-operative banks →

Surat Peoples Bank Fixed Deposit: frequently asked questions

What is the highest Surat Peoples Bank Fixed Deposit interest rate?

As of 18 Oct 2026, The Surat Peoples Co-operative Bank Ltd. offers up to 7.25% p.a. on its fixed deposit (FD) (555 days) for general customers and 7.50% p.a. (Above 1 year up to 2 years) for senior citizens. Rates below are as published by the bank — confirm with Surat Peoples Bank before investing.

See today's top interest rates →

What is the Surat Peoples Bank 1-year FD interest rate?

As of 18 Oct 2026, The Surat Peoples Co-operative 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 May 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.

Compare 1-year FD rates →

What is the Surat Peoples Bank 2-year FD interest rate?

As of 18 Oct 2026, The Surat Peoples Co-operative Bank Ltd. offers 7.00% p.a. on a 2-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 May 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.

Compare 2-year FD rates →

What is the Surat Peoples Bank 3-year FD interest rate?

As of 18 Oct 2026, The Surat Peoples Co-operative Bank Ltd. offers 7.00% p.a. on a 3-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 May 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.

Compare 3-year FD rates →

What is the Surat Peoples Bank 5-year FD interest rate?

As of 18 Oct 2026, The Surat Peoples Co-operative Bank Ltd. offers 6.75% p.a. on a 5-year FD for general customers and 7.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 May 2026 and was last verified 18 Oct 2026. Source: the bank's official rate page.

Compare 5-year FD rates →

Do senior citizens get higher Fixed Deposit rates at Surat Peoples Bank?

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

See today's top senior citizen rates →

When did Surat Peoples Bank last change its Fixed Deposit rates?

RateScan.in has recorded no change to The Surat Peoples Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 10 Oct 2026.

Rate movements →

What fixed deposit (FD) tenures does Surat Peoples Bank offer?

The Surat Peoples Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 12 tenure bands, from “7 days up to 14 days” to “Above 8 year up to 10 years”.

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

Yes. The Surat Peoples Co-operative Bank Ltd.'s table lists separate bands: Below ₹1 crore; ₹1 crore to ₹3 crore; Above ₹3 crore up to ₹5 crore; Above ₹5 crore up to ₹10 crore; Above ₹10 crore. Each row shows the band it applies to.

Does Surat Peoples Bank have special fixed deposit (FD) schemes?

The Surat Peoples Co-operative Bank Ltd.'s rate table lists these named schemes (2): 555-days Deposit Scheme; VasudharaUdyog Machinery Vikas Loan Yojana (85-month cumulative term deposit). Check eligibility and end dates with the bank.

Does Surat Peoples Bank pay more than the Post Office Time Deposit?

The Surat Peoples Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.00% (PO 6.90%), 2y 7.00% (PO 7.00%), 3y 7.00% (PO 7.10%), 5y 6.75% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

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

The Surat Peoples Co-operative Bank Ltd.'s 1-year general FD rate of 6.00% ranks #217 of 248 banks on RateScan.in (as of 18 Oct 2026). The highest is Sangli DCCB at 8.25%.

Compare 1-year FD rates →

Is my fixed deposit (FD) with Surat Peoples Bank insured?

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

How current are these Surat Peoples Bank rates?

RateScan.in refreshed this dataset on 18 Oct 2026; the bank's rates shown here are effective 1 May 2026. Rates can change without notice, so verify on the official Surat Peoples Bank website before investing.

Rate movements →

More Surat Peoples Bank rates

Surat Peoples Bank overviewSurat Peoples Bank Savings 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

Good to know

  • Deposits with The Surat Peoples 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.
  • Surat Peoples 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 Surat Peoples Bank, depending on the tenure.
  • Surat Peoples Bank's FD table includes 2 special schemes; check eligibility and end dates.
official Effective 1 May 2026 · Ingested 10 Oct 2026 · Verified 18 Oct 2026 · View source

Informational only — always confirm the current rate on the official Surat Peoples 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.