Rates verified from official source

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

SVC Bank's best Fixed Deposit rate is 6.85% (12 Months), 1.40 points below the best on the market (8.25%).

  • Seniors: up to 7.35% (12 Months), 0.50 points above the general rate for that tenure.
Deposit amount

Showing 17 of 65 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 Days to 14 Days
Below ₹1 crore
 3.00% 3.50% Below ₹1 crore
1 Aug 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
15 Days to 45 Days
Below ₹1 crore
 3.25% 3.75% Below ₹1 crore
1 Aug 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
46 Days to 89 Days
Below ₹1 crore
 4.00% 4.50% Below ₹1 crore
1 Aug 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
90 Days
Below ₹1 crore
 4.25% 4.75% Below ₹1 crore
1 Aug 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
91 Days to 119 Days
Below ₹1 crore
 5.00% 5.50% Below ₹1 crore
1 Aug 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
120 Days
Below ₹1 crore
 5.25% 5.75% Below ₹1 crore
1 Aug 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
121 Days to 179 Days
Below ₹1 crore
 5.25% 5.75% Below ₹1 crore
1 Aug 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
180 Days
Below ₹1 crore
 6.60% 7.10% Below ₹1 crore
1 Aug 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
181 Days to 330 Days
Below ₹1 crore
 6.50% 7.00% Below ₹1 crore
1 Aug 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
331 Days to 364 Days
Below ₹1 crore
 6.75% 7.25% Below ₹1 crore
1 Aug 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
12 Months
Below ₹1 crore
 6.85% 7.35% Below ₹1 crore
1 Aug 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
Above 12 Months to below 14 Months
Below ₹1 crore
 6.85% 7.35% Below ₹1 crore
1 Aug 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
14 Months to below 16 Months
Below ₹1 crore
 6.80% 7.30% Below ₹1 crore
1 Aug 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
16 Months to 24 Months
Below ₹1 crore
 6.70% 7.20% Below ₹1 crore
1 Aug 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
Above 24 Months to 60 Months
Below ₹1 crore
 6.60% 7.10% Below ₹1 crore
1 Aug 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
5 years (Tax Saver)
Tax Saver (80C)
 6.60% 6.60% Below ₹1 crore
1 Aug 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
Above 60 Months to 120 Months
Below ₹1 crore
 6.60% 7.35% Below ₹1 crore
1 Aug 2026
✓ verified 21 Oct 2026
official
fetched 21 Oct 2026
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SVC Bank FD returns at a glance based on investment amount

Deposit~1 year6.85%~3 years6.60%~5 years6.60%~10 years6.60%
₹50,000₹53,514₹285/mo₹60,850₹275/mo₹69,361₹275/mo₹96,220₹275/mo
₹1 lakh₹1,07,028₹571/mo₹1,21,699₹550/mo₹1,38,723₹550/mo₹1,92,440₹550/mo
₹2 lakh₹2,14,056₹1,142/mo₹2,43,399₹1,100/mo₹2,77,445₹1,100/mo₹3,84,880₹1,100/mo
₹5 lakh₹5,35,140₹2,854/mo₹6,08,497₹2,750/mo₹6,93,614₹2,750/mo₹9,62,200₹2,750/mo
₹10 lakh₹10,70,280₹5,708/mo₹12,16,994₹5,500/mo₹13,87,227₹5,500/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 SVC 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 SVC Bank has a rate for it. Bank D stays visible so you can add a fourth comparison.

SVC Bank

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  • General public / NRO; no senior rate on bulk deposits

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% 7d15d2m3m3m4m4m6m6m11m1y366d425d486d731d5y1826d 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% 7d15d2m3m3m4m4m6m6m11m1y366d425d486d731d5y1826d 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% 7d15d2m3m3m4m4m6m6m11m1y366d425d486d731d5y1826d 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.

SVC Bank Fixed Deposit rate changes

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

Compare SVC Bank with similar banks

Nearby banks paying a little more at 1 year

Bharat Co-op Bank (Mumbai) 6.90%Greater Bank 7.00%Akola Urban Bank 7.00%

Banks with a similar rate at 1 year

Sangli Urban Bank 6.75%Kalupur Bank 6.75%Apna Bank 6.70%

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

SVC Bank Fixed Deposit: frequently asked questions

What is the highest SVC Bank Fixed Deposit interest rate?

As of 21 Oct 2026, Shamrao Vithal Co-operative Bank Ltd. offers up to 6.85% p.a. on its fixed deposit (FD) (12 Months) for general customers and 7.35% p.a. (12 Months) for senior citizens. Rates below are as published by the bank — confirm with SVC Bank before investing.

See today's top interest rates →

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

As of 21 Oct 2026, Shamrao Vithal Co-operative Bank Ltd. offers 6.85% p.a. on a 1-year FD for general customers and 7.35% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Aug 2026 and was last verified 21 Oct 2026. Source: the bank's official rate page.

Compare 1-year FD rates →

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

As of 21 Oct 2026, Shamrao Vithal Co-operative Bank Ltd. offers 6.70% p.a. on a 2-year FD for general customers and 7.20% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Aug 2026 and was last verified 21 Oct 2026. Source: the bank's official rate page.

Compare 2-year FD rates →

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

As of 21 Oct 2026, Shamrao Vithal Co-operative Bank Ltd. offers 6.60% p.a. on a 3-year FD for general customers and 7.10% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Aug 2026 and was last verified 21 Oct 2026. Source: the bank's official rate page.

Compare 3-year FD rates →

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

As of 21 Oct 2026, Shamrao Vithal Co-operative Bank Ltd. offers 6.60% p.a. on a 5-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 1 Aug 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 SVC Bank?

Yes. Senior citizens (60+) earn up to 0.75% p.a. more than general customers at Shamrao Vithal Co-operative Bank Ltd., depending on the tenure.

See today's top senior citizen rates →

When did SVC Bank last change its Fixed Deposit rates?

RateScan.in has recorded no change to Shamrao Vithal 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 SVC Bank offer?

Shamrao Vithal Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 16 tenure bands, from “7 Days to 14 Days” to “Above 60 Months to 120 Months”.

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

Yes. Shamrao Vithal 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 and above. Each row shows the band it applies to.

Does SVC Bank have special fixed deposit (FD) schemes?

Shamrao Vithal Co-operative Bank Ltd.'s rate table lists these named schemes (1): Tax Saver (80C). Check eligibility and end dates with the bank.

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

Shamrao Vithal Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.85% (PO 6.90%), 2y 6.70% (PO 7.00%), 3y 6.60% (PO 7.10%), 5y 6.60% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

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

Shamrao Vithal Co-operative Bank Ltd.'s 1-year general FD rate of 6.85% ranks #93 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 SVC Bank insured?

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

How current are these SVC Bank rates?

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

Rate movements →

More SVC Bank rates

SVC Bank overviewSVC Bank Savings ratesSVC Bank NRE FD ratesSVC 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 SVC Bank

23 banks serving Maharashtra pay more. Top picks:

Co-operative Highest Sangli DCCB 8.25% +1.40% vs SVC Bank Small Finance Suryoday 7.25% +0.40% vs SVC Bank Private RBL 7.05% +0.20% vs SVC Bank

See every higher rate in Maharashtra →

Rate by tenure, and what it grows to Deposit
1 year General6.85%₹1,07,028 Senior7.35%₹1,07,555 2 years General6.70%₹1,14,212 Senior7.20%₹1,15,341 3 years General6.60%₹1,21,699 Senior7.10%₹1,23,508 5 years General6.60%₹1,38,723 Senior7.10%₹1,42,175

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

Good to know

  • Deposits with Shamrao Vithal 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.
  • SVC 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 SVC Bank, depending on the tenure.
  • SVC Bank's FD table includes 1 special schemes; check eligibility and end dates.
official Effective 21 Oct 2026 · Ingested 21 Oct 2026 · Verified 21 Oct 2026 · View source

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