Uma Co-operative Bank Ltd., Vadodara Fixed Deposit interest rates · November 2026
What will my FD earn at Uma Co-op Bank?
| Tenure | General | Senior | Super Sr. | Applies to | Effective On | Source |
|---|---|---|---|---|---|---|
7 days to 29 days |
3.75% | 3.75% | 3.75% | Any amount | 15 Apr 2025 ✓ verified 13 Nov 2026 | official fetched 5 Nov 2026 |
30 days to 90 days |
4.00% | 4.00% | 4.00% | Any amount | 15 Apr 2025 ✓ verified 13 Nov 2026 | official fetched 5 Nov 2026 |
91 days to less than 12 months |
5.00% | 5.00% | 5.00% | Any amount | 15 Apr 2025 ✓ verified 13 Nov 2026 | official fetched 5 Nov 2026 |
12 months to 24 months |
7.00% | 7.50% | 7.75% | Any amount | 15 Apr 2025 ✓ verified 13 Nov 2026 | official fetched 5 Nov 2026 |
25 months to 36 months |
7.25% | 7.75% | 8.00% | Any amount | 15 Apr 2025 ✓ verified 13 Nov 2026 | official fetched 5 Nov 2026 |
above 36 months to 5 years |
6.75% | 7.25% | 7.50% | Any amount | 15 Apr 2025 ✓ verified 13 Nov 2026 | official fetched 5 Nov 2026 |
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Uma Co-op 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
7.00%Before you book
Uma Co-op Bank Fixed Deposit: frequently asked questions
What is the highest Uma Co-op Bank Fixed Deposit interest rate?
As of 14 Nov 2026, Uma Co-operative Bank Ltd., Vadodara offers up to 7.25% p.a. on its fixed deposit (FD) (25 months to 36 months) for general customers and 7.75% p.a. (25 months to 36 months) for senior citizens. Rates below are as published by the bank. Confirm with Uma Co-op Bank before investing.
What is the Uma Co-op Bank 1-year FD interest rate?
As of 14 Nov 2026, Uma Co-operative Bank Ltd., Vadodara offers 7.00% p.a. on a 1-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 15 Apr 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Uma Co-op Bank 2-year FD interest rate?
As of 14 Nov 2026, Uma Co-operative Bank Ltd., Vadodara 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 15 Apr 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Uma Co-op Bank 3-year FD interest rate?
As of 14 Nov 2026, Uma Co-operative Bank Ltd., Vadodara offers 7.25% p.a. on a 3-year FD for general customers and 7.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 15 Apr 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Uma Co-op Bank 5-year FD interest rate?
As of 14 Nov 2026, Uma Co-operative Bank Ltd., Vadodara 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 15 Apr 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Uma Co-op Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Uma Co-operative Bank Ltd., Vadodara, depending on the tenure.
When did Uma Co-op Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to Uma Co-operative Bank Ltd., Vadodara's fixed deposit (FD) rates since it started tracking them on 5 Nov 2026.
What fixed deposit (FD) tenures does Uma Co-op Bank offer?
Uma Co-operative Bank Ltd., Vadodara's published fixed deposit (FD) rate table has 6 tenure bands, from “7 days to 29 days” to “above 36 months to 5 years”.
Does Uma Co-op Bank pay more than the Post Office Time Deposit?
Uma Co-operative Bank Ltd., Vadodara pays more than the Post Office Time Deposit at 2 of 4 standard tenures compared (general rates). Rates: 1y 7.00% (PO 6.90%), 2y 7.00% (PO 7.00%), 3y 7.25% (PO 7.10%), 5y 6.75% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Uma Co-op Bank's 1-year FD rate rank?
Uma Co-operative Bank Ltd., Vadodara's 1-year general FD rate of 7.00% ranks #295 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 Uma Co-op Bank insured?
Deposits with Uma Co-operative Bank Ltd., Vadodara are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Uma Co-op Bank rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 15 Apr 2025. Rates can change without notice, so verify on the official Uma Co-op Bank website before investing.
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Good to know
- Deposits with Uma Co-operative Bank Ltd., Vadodara 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.
- Uma Co-op 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 Uma Co-op Bank, depending on the tenure.
Informational only. Always confirm the current rate on the official Uma Co-op 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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