Unava Nagrik Sahakari Bank Ltd. Fixed Deposit interest rates · October 2026
Unava Nagrik Bank's best Fixed Deposit rate is 6.60% (25 Months to 36 Months), 1.90 points below the best on the market (8.50%).
- Seniors: up to 7.10% (25 Months to 36 Months), 0.50 points above the general rate for that tenure.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 Days to 45 Days |
3.10% | — | Any amount | 1 Dec 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
46 Days to 90 Days |
3.50% | — | Any amount | 1 Dec 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
91 Days to 180 Days |
4.50% | — | Any amount | 1 Dec 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
181 Days to Below 365 Days |
5.50% | — | Any amount | 1 Dec 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
13 Months to 24 Months |
6.40% | 6.90% | Any amount | 1 Dec 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
25 Months to 36 Months |
6.60% | 7.10% | Any amount | 1 Dec 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
37 Months and Above |
6.50% | 7.00% | Any amount | 1 Dec 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Unava Nagrik Bank FD returns at a glance based on investment amount
| Deposit | ~3 years6.60% | ~5 years6.50% | ~10 years6.50% |
|---|---|---|---|
| ₹50,000 | ₹60,850₹275/mo | ₹69,021₹271/mo | ₹95,278₹271/mo |
| ₹1 lakh | ₹1,21,699₹550/mo | ₹1,38,042₹542/mo | ₹1,90,556₹542/mo |
| ₹2 lakh | ₹2,43,399₹1,100/mo | ₹2,76,084₹1,083/mo | ₹3,81,112₹1,083/mo |
| ₹5 lakh | ₹6,08,497₹2,750/mo | ₹6,90,210₹2,708/mo | ₹9,52,779₹2,708/mo |
| ₹10 lakh | ₹12,16,994₹5,500/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.
Unava Nagrik Bank Fixed Deposit rate changes
Changes to Unava Nagrik 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 Unava Nagrik Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Unava Nagrik Bank with similar banks
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Unava Nagrik Bank Fixed Deposit: frequently asked questions
What is the highest Unava Nagrik Bank Fixed Deposit interest rate?
As of 22 Oct 2026, Unava Nagrik Sahakari Bank Ltd. offers up to 6.60% p.a. on its fixed deposit (FD) (25 Months to 36 Months) for general customers and 7.10% p.a. (25 Months to 36 Months) for senior citizens. Rates below are as published by the bank — confirm with Unava Nagrik Bank before investing.
What is the Unava Nagrik Bank 2-year FD interest rate?
As of 22 Oct 2026, Unava Nagrik Sahakari Bank Ltd. offers 6.40% p.a. on a 2-year FD for general customers and 6.90% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Dec 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Unava Nagrik Bank 3-year FD interest rate?
As of 22 Oct 2026, Unava Nagrik Sahakari 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 Dec 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Unava Nagrik Bank 5-year FD interest rate?
As of 22 Oct 2026, Unava Nagrik Sahakari 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 1 Dec 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Unava Nagrik Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Unava Nagrik Sahakari Bank Ltd., depending on the tenure.
When did Unava Nagrik Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to Unava Nagrik Sahakari Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Unava Nagrik Bank offer?
Unava Nagrik Sahakari Bank Ltd.'s published fixed deposit (FD) rate table has 7 tenure bands, from “7 Days to 45 Days” to “37 Months and Above”.
Does Unava Nagrik Bank pay more than the Post Office Time Deposit?
Unava Nagrik Sahakari Bank Ltd. pays more than the Post Office Time Deposit at 0 of 3 standard tenures compared (general rates). Rates: 2y 6.40% (PO 7.00%), 3y 6.60% (PO 7.10%), 5y 6.50% (PO 7.50%). PO is the Post Office Time Deposit rate.
Is my fixed deposit (FD) with Unava Nagrik Bank insured?
Deposits with Unava Nagrik Sahakari Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Unava Nagrik Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 1 Dec 2025. Rates can change without notice, so verify on the official Unava Nagrik Bank website before investing.
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with Unava Nagrik Sahakari 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.
- Unava Nagrik 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 Unava Nagrik Bank, depending on the tenure.
Informational only — always confirm the current rate on the official Unava Nagrik 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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