Rates verified from official source

Uttar Pradesh State Co-operative Bank Fixed Deposit interest rates · November 2026

UP State Cooperative Bank's best Fixed Deposit rate is 6.40% (1 to 2 years), 3.10 points below the best on the market (9.50%).

  • Seniors: up to 6.90% (1 to 2 years), 0.50 points above the general rate for that tenure.

What will my FD earn at UP State Cooperative Bank?

Estimated value after 1 year · before tax ₹5,32,776 6.40% p.a. · ₹32,776 interest · quarterly compounding
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Deposit amount

Showing 7 of 15 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 to 14 days
Below ₹3 crore
 3.00% – Below ₹3 crore
1 Sept 2025
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026
15 to 45 days
Below ₹3 crore
 3.00% – Below ₹3 crore
1 Sept 2025
✓ verified 14 Nov 2026
official
captured from the bank's rate card 30 Sept 2026
46 to 180 days
2 slabs at this rate
 4.50% – Below ₹3 crore
1 Sept 2025
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026
181 days to
under 1 year
Below ₹3 crore
 5.50% – Below ₹3 crore
1 Sept 2025
✓ verified 14 Nov 2026
official
captured from the bank's rate card 30 Sept 2026
1 to 2 years
Below ₹3 crore
 6.40% 6.90% Below ₹3 crore
1 Sept 2025
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026
2 to 5 years
2 slabs at this rate
Below ₹3 crore
 6.30% 6.80% Below ₹3 crore
1 Sept 2025
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026
5 to 10 years
Below ₹3 crore
 6.20% 6.70% Below ₹3 crore
1 Sept 2025
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026

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UP State Cooperative Bank FD return examples

DepositHighest rate1 year6.40%3 years6.30%4 years6.30%10 years6.20%
₹50,000★₹53,278₹3,278 a year₹267/mo₹60,313₹3,225 a year₹263/mo₹64,204₹3,225 a year₹263/mo₹92,505₹3,173 a year₹258/mo
₹1 lakh★₹1,06,555₹6,555 a year₹533/mo₹1,20,626₹6,450 a year₹525/mo₹1,28,407₹6,450 a year₹525/mo₹1,85,011₹6,346 a year₹517/mo
₹2 lakh★₹2,13,110₹13,110 a year₹1,067/mo₹2,41,253₹12,901 a year₹1,050/mo₹2,56,814₹12,901 a year₹1,050/mo₹3,70,022₹12,691 a year₹1,033/mo
₹5 lakh★₹5,32,776₹32,776 a year₹2,667/mo₹6,03,131₹32,252 a year₹2,625/mo₹6,42,036₹32,252 a year₹2,625/mo₹9,25,054₹31,728 a year₹2,583/mo
₹10 lakh★₹10,65,552₹65,552 a year₹5,333/mo₹12,06,263₹64,504 a year₹5,250/mo₹12,84,072₹64,504 a year₹5,250/mo₹18,50,108₹63,456 a year₹5,167/mo

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

Select a term · Annual rates for ₹5,00,000

1 year

6.40%
Compare 1 year rates → Estimate my return
Market rank & rate source

#710 of 1033

1 to 2 years · Below ₹3 crore

Official rate sheet ↗
See all published rates
Before you book

UP State Cooperative Bank Fixed Deposit: frequently asked questions

What is the highest UP State Cooperative Bank Fixed Deposit interest rate?

As of 14 Nov 2026, Uttar Pradesh State Co-operative Bank offers up to 6.40% p.a. on its fixed deposit (FD) (1 to 2 years) for general customers and 6.90% p.a. (1 to 2 years) for senior citizens. Rates below are as published by the bank. Confirm with UP State Cooperative Bank before investing.

See today's top interest rates →

What is the UP State Cooperative Bank 1-year FD interest rate?

As of 14 Nov 2026, Uttar Pradesh State Co-operative Bank offers 6.40% p.a. on a 1-year FD for general customers and 6.90% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Sept 2025 and was last verified 14 Nov 2026. Source: the bank's official rate page.

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What is the UP State Cooperative Bank 2-year FD interest rate?

As of 14 Nov 2026, Uttar Pradesh State Co-operative Bank offers 6.30% p.a. on a 2-year FD for general customers and 6.80% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Sept 2025 and was last verified 14 Nov 2026. Source: the bank's official rate page.

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What is the UP State Cooperative Bank 3-year FD interest rate?

As of 14 Nov 2026, Uttar Pradesh State Co-operative Bank offers 6.30% p.a. on a 3-year FD for general customers and 6.80% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Sept 2025 and was last verified 14 Nov 2026. Source: the bank's official rate page.

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What is the UP State Cooperative Bank 5-year FD interest rate?

As of 14 Nov 2026, Uttar Pradesh State Co-operative Bank offers 6.20% p.a. on a 5-year FD for general customers and 6.70% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Sept 2025 and was last verified 14 Nov 2026. Source: the bank's official rate page.

Compare 5-year FD rates →

Do senior citizens get higher Fixed Deposit rates at UP State Cooperative Bank?

Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Uttar Pradesh State Co-operative Bank, depending on the tenure.

See today's top senior citizen rates →

When did UP State Cooperative Bank last change its Fixed Deposit rates?

RateScan.in has recorded no change to Uttar Pradesh State Co-operative Bank's fixed deposit (FD) rates since it started tracking them on 30 Sept 2026.

Rate movements →

What fixed deposit (FD) tenures does UP State Cooperative Bank offer?

Uttar Pradesh State Co-operative Bank's published fixed deposit (FD) rate table has 9 tenure bands, from “7 to 14 days” to “5 to 10 years”.

Does UP State Cooperative Bank pay different fixed deposit (FD) rates by deposit size?

Yes. Uttar Pradesh State Co-operative Bank's table lists separate bands: Below ₹3 crore; ₹3 crore and above. Each row shows the band it applies to.

Does UP State Cooperative Bank pay more than the Post Office Time Deposit?

Uttar Pradesh State Co-operative Bank pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.40% (PO 6.90%), 2y 6.30% (PO 7.00%), 3y 6.30% (PO 7.10%), 5y 6.20% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

How does UP State Cooperative Bank's 1-year FD rate rank?

Uttar Pradesh State Co-operative Bank's 1-year general FD rate of 6.40% ranks #710 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.

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Is my fixed deposit (FD) with UP State Cooperative Bank insured?

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

How current are these UP State Cooperative Bank rates?

RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 1 Sept 2025. Rates can change without notice, so verify on the official UP State Cooperative Bank website before investing.

Rate movements →

More UP State Cooperative Bank rates

UP State Cooperative Bank overviewUP State Cooperative Bank Savings rates

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Kotak 6.45%IDFC First 6.50%IOB 6.50%

Best FD rates among state co-operative banks → Best FD rates in Uttar Pradesh →

Good to know

  • Deposits with Uttar Pradesh State Co-operative Bank 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.
  • UP State Cooperative Bank is a state 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 UP State Cooperative Bank, depending on the tenure.
official Effective 1 Sept 2025 · Ingested 18 Oct 2026 · Verified 14 Nov 2026 · View source

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