Vaishya Sahakari Bank Ltd., Mumbai interest rates · November 2026
Vaishya Sahakari Bank FD rates
All tenures, calculator and comparison →What will my FD earn at Vaishya Sahakari Bank?
Overview
Vaishya Sahakari Bank Ltd., Mumbai (Vaishya Sahakari Bank) is an urban co-operative bank (UCB), headquartered in Mumbai. Its headline 1-year FD rate of 7.25% is 0.60% above the urban co-operative bank average of 6.65%, ranking #190 of 1033 banks on RateScan.in.
Rates as of 10 Apr 2026, verified from official source. Urban co-operative bank, regulated by RBI and the state Registrar of Co-operative Societies: deposits insured by DICGC up to ₹5,00,000. One of 961 co-operative banks whose rates we checked at the source in the last 7 days.
RBI record
Every RBI press release since 1 Jan 2024 that names Vaishya Sahakari Bank Ltd., Mumbai, newest first, each linked to RBI. Checked every week; last on 11 Nov 2026.
A monetary penalty is a fine for not following an RBI rule. On its own it does not stop the bank taking or repaying deposits; RBI does that through directions, which are listed here when they apply.
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RBI fined the bank ₹5.96 lakh
RBI's reason: “for non-compliance with the directions issued by RBI on ‘Priority Sector Lending (PSL) - Targets and Classification’ and specific directions issued by RBI on making contribution to the Micro and Small Enterprises (MSE) Refinance Fund due to shortfall in achievement of PSL”
What RBI found
“The charge of failure to deposit the prescribed amount in the MSE Refinance Fund maintained with SIDBI against the shortfall in achievement of PSL target for FY 2022-23 within the prescribed time and even after the issuance of cautionary letter, was sustained.”
RBI says: “This action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers.”
This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.
Branches
6 branches in 2 districts
Most branches: Mumbai 4, Thane 2
From the bank's own branch list (checked 4 Nov 2026); RBI's IFSC directory lists these branches under one shared code. Check with the bank before visiting: vsblm.bank.in
Vaishya Sahakari Bank rates
Every rate, tenure by tenure, and what your money grows to.
Vaishya Sahakari Bank Fixed Deposit rate changes
Changes to Vaishya Sahakari Bank's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 5 Nov 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 Vaishya Sahakari Bank's fixed deposit (FD) rates has been recorded since tracking started on 5 Nov 2026.
Good to know
- Deposits with Vaishya Sahakari Bank Ltd., Mumbai 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.
- Vaishya Sahakari 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 0.25% p.a. more than general customers at Vaishya Sahakari Bank, depending on the tenure.
- Vaishya Sahakari Bank's FD table includes 1 special schemes; check eligibility and end dates.
Informational only. Always confirm the current rate on the official Vaishya Sahakari 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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