The Surat National Co-op. Bank Ltd. Fixed Deposit interest rates · October 2026
Surat National Bank's best Fixed Deposit rate is 7.00% (Above 1 Year to 2 Years), 2.00 points below the best on the market (9.00%).
- Seniors: up to 7.50% (Above 1 Year to 2 Years), 0.50 points above the general rate for that tenure.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
Above 7 Days to 90 Days |
4.00% | 4.00% | Any amount | 13 Jul 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 91 Days to 180 Days |
5.25% | 5.25% | Any amount | 13 Jul 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 181 Days to 270 Days |
5.75% | 5.75% | Any amount | 13 Jul 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 271 Days to 365 Days |
6.25% | 6.25% | Any amount | 13 Jul 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 1 Year to 2 Years |
7.00% | 7.50% | Any amount | 13 Jul 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 2 Years |
6.50% | 7.00% | Any amount | 13 Jul 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Surat National Bank FD returns at a glance based on investment amount
| Deposit | ~1 year6.25% | ~3 years6.50% | ~5 years6.50% | ~10 years6.50% |
|---|---|---|---|---|
| ₹50,000 | ₹53,199₹260/mo | ₹60,670₹271/mo | ₹69,021₹271/mo | ₹95,278₹271/mo |
| ₹1 lakh | ₹1,06,398₹521/mo | ₹1,21,341₹542/mo | ₹1,38,042₹542/mo | ₹1,90,556₹542/mo |
| ₹2 lakh | ₹2,12,796₹1,042/mo | ₹2,42,682₹1,083/mo | ₹2,76,084₹1,083/mo | ₹3,81,112₹1,083/mo |
| ₹5 lakh | ₹5,31,990₹2,604/mo | ₹6,06,704₹2,708/mo | ₹6,90,210₹2,708/mo | ₹9,52,779₹2,708/mo |
| ₹10 lakh | ₹10,63,980₹5,208/mo | ₹12,13,408₹5,417/mo | ₹13,80,420₹5,417/mo | ₹19,05,559₹5,417/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.
No additional super-senior premium — showing Senior rates.
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.
Surat National Bank Fixed Deposit rate changes
Changes to Surat National 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 Surat National Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Surat National Bank with similar banks
Nearby banks paying a little more at 1 year
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Best FD rates among urban co-operative banks → Best FD rates in Gujarat →
Surat National Bank Fixed Deposit: frequently asked questions
What is the highest Surat National Bank Fixed Deposit interest rate?
As of 22 Oct 2026, The Surat National Co-op. Bank Ltd. offers up to 7.00% p.a. on its fixed deposit (FD) (Above 1 Year to 2 Years) for general customers and 7.50% p.a. (Above 1 Year to 2 Years) for senior citizens. Rates below are as published by the bank — confirm with Surat National Bank before investing.
What is the Surat National Bank 1-year FD interest rate?
As of 22 Oct 2026, The Surat National Co-op. Bank Ltd. offers 6.25% p.a. on a 1-year FD for general customers and 6.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 13 Jul 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Surat National Bank 2-year FD interest rate?
As of 22 Oct 2026, The Surat National Co-op. 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 13 Jul 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Surat National Bank 3-year FD interest rate?
As of 22 Oct 2026, The Surat National Co-op. Bank Ltd. offers 6.50% p.a. on a 3-year FD for general customers and 7.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 13 Jul 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Surat National Bank 5-year FD interest rate?
As of 22 Oct 2026, The Surat National Co-op. Bank Ltd. offers 6.50% p.a. on a 5-year FD for general customers and 7.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 13 Jul 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Surat National Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Surat National Co-op. Bank Ltd., depending on the tenure.
When did Surat National Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Surat National Co-op. Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Surat National Bank offer?
The Surat National Co-op. Bank Ltd.'s published fixed deposit (FD) rate table has 6 tenure bands, from “Above 7 Days to 90 Days” to “Above 2 Years”.
Does Surat National Bank pay more than the Post Office Time Deposit?
The Surat National Co-op. Bank Ltd. pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.25% (PO 6.90%), 2y 7.00% (PO 7.00%), 3y 6.50% (PO 7.10%), 5y 6.50% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Surat National Bank's 1-year FD rate rank?
The Surat National Co-op. Bank Ltd.'s 1-year general FD rate of 6.25% ranks #238 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 Surat National Bank insured?
Deposits with The Surat National Co-op. Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Surat National Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 13 Jul 2026. Rates can change without notice, so verify on the official Surat National Bank website before investing.
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with The Surat National Co-op. 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 National 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 National Bank, depending on the tenure.
Informational only — always confirm the current rate on the official Surat National 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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