The Union Co-operative Bank Ltd. Fixed Deposit interest rates · October 2026
Union Co-op Bank (Naroda)'s best Fixed Deposit rate is 6.75% (24 months), 2.25 points below the best on the market (9.00%).
- Seniors: up to 7.25% (24 months), 0.50 points above the general rate for that tenure.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 days to 90 days |
4.00% | — | Any amount | 1 May 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
91 days to 180 days |
4.25% | — | Any amount | 1 May 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
181 days to 12 months |
5.00% | — | Any amount | 1 May 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
13 months to 23 months |
6.25% | 6.75% | Any amount | 1 May 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
24 months |
6.75% | 7.25% | Any amount | 1 May 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
25 months to 36 months |
6.50% | 7.00% | Any amount | 1 May 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Union Co-op Bank (Naroda) FD returns at a glance based on investment amount
| Deposit | ~1 year5.00% | ~3 years6.50% |
|---|---|---|
| ₹50,000 | ₹52,547₹208/mo | ₹60,670₹271/mo |
| ₹1 lakh | ₹1,05,095₹417/mo | ₹1,21,341₹542/mo |
| ₹2 lakh | ₹2,10,189₹833/mo | ₹2,42,682₹1,083/mo |
| ₹5 lakh | ₹5,25,473₹2,083/mo | ₹6,06,704₹2,708/mo |
| ₹10 lakh | ₹10,50,945₹4,167/mo | ₹12,13,408₹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.
Union Co-op Bank (Naroda) Fixed Deposit rate changes
Changes to Union Co-op Bank (Naroda)'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 Union Co-op Bank (Naroda)'s fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Union Co-op Bank (Naroda) 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 →
Union Co-op Bank (Naroda) Fixed Deposit: frequently asked questions
What is the highest Union Co-op Bank (Naroda) Fixed Deposit interest rate?
As of 22 Oct 2026, The Union Co-operative Bank Ltd. offers up to 6.75% p.a. on its fixed deposit (FD) (24 months) for general customers and 7.25% p.a. (24 months) for senior citizens. Rates below are as published by the bank — confirm with Union Co-op Bank (Naroda) before investing.
What is the Union Co-op Bank (Naroda) 1-year FD interest rate?
As of 22 Oct 2026, The Union Co-operative Bank Ltd. offers 5.00% p.a. on a 1-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 1 May 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Union Co-op Bank (Naroda) 2-year FD interest rate?
As of 22 Oct 2026, The Union Co-operative Bank Ltd. offers 6.75% p.a. on a 2-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 22 Oct 2026. Source: the bank's official rate page.
What is the Union Co-op Bank (Naroda) 3-year FD interest rate?
As of 22 Oct 2026, The Union Co-operative 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 1 May 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Union Co-op Bank (Naroda)?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Union Co-operative Bank Ltd., depending on the tenure.
When did Union Co-op Bank (Naroda) last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Union Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Union Co-op Bank (Naroda) offer?
The Union Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 6 tenure bands, from “7 days to 90 days” to “25 months to 36 months”.
Does Union Co-op Bank (Naroda) pay more than the Post Office Time Deposit?
The Union Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 0 of 3 standard tenures compared (general rates). Rates: 1y 5.00% (PO 6.90%), 2y 6.75% (PO 7.00%), 3y 6.50% (PO 7.10%). PO is the Post Office Time Deposit rate.
How does Union Co-op Bank (Naroda)'s 1-year FD rate rank?
The Union Co-operative Bank Ltd.'s 1-year general FD rate of 5.00% ranks #344 of 353 banks on RateScan.in (as of 22 Oct 2026). The highest is Sangli DCCB at 8.25%.
Is my fixed deposit (FD) with Union Co-op Bank (Naroda) insured?
Deposits with The Union Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Union Co-op Bank (Naroda) rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 1 May 2026. Rates can change without notice, so verify on the official Union Co-op Bank (Naroda) website before investing.
More Union Co-op Bank (Naroda) rates
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with The Union 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.
- Union Co-op Bank (Naroda) 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 Union Co-op Bank (Naroda), depending on the tenure.
Informational only — always confirm the current rate on the official Union Co-op Bank (Naroda) 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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