The Varachha Co-operative Bank Ltd. Fixed Deposit interest rates · October 2026
Varachha Co-op Bank's best Fixed Deposit rate is 8.00% (3232 days), 0.25 points below the best on the market (8.25%).
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 Days and above up to 90 Days |
4.75% | — | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
91 Days and above up to 180 Days |
5.25% | — | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
181 Days and above up to below 1 Year |
6.00% | — | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
1 Year and above up to below 3 Year |
6.50% | — | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
444 days Dhan Kuber Bachat Yojana |
7.51% | — | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
777 days Dipawali Bachat Yojana |
7.77% | — | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
3 Year and above up to below 5 Year |
7.25% | — | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
1111 days Divyang Bachat Yojana |
7.50% | — | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
5 Years and above up to 10 Year |
7.00% | — | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
2020 days Ganga Bachat Yojana |
7.75% | — | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
3232 days Dhanlaxmi Bachat Yojana |
8.00% | — | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Varachha Co-op Bank FD returns at a glance based on investment amount
| Deposit | ~1 year6.50% | ~3 years7.25% | ~5 years7.00% | ~10 years7.00% |
|---|---|---|---|---|
| ₹50,000 | ₹53,330₹271/mo | ₹62,027₹302/mo | ₹70,739₹292/mo | ₹1,00,080₹292/mo |
| ₹1 lakh | ₹1,06,660₹542/mo | ₹1,24,055₹604/mo | ₹1,41,478₹583/mo | ₹2,00,160₹583/mo |
| ₹2 lakh | ₹2,13,320₹1,083/mo | ₹2,48,109₹1,208/mo | ₹2,82,956₹1,167/mo | ₹4,00,319₹1,167/mo |
| ₹5 lakh | ₹5,33,301₹2,708/mo | ₹6,20,273₹3,021/mo | ₹7,07,389₹2,917/mo | ₹10,00,799₹2,917/mo |
| ₹10 lakh | ₹10,66,602₹5,417/mo | ₹12,40,547₹6,042/mo | ₹14,14,778₹5,833/mo | ₹20,01,597₹5,833/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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- Special scheme (cumulative); no additional benefit applies
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.
No separate Senior rate — showing General rates.
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.
No super-senior rate — showing General rates.
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.
Varachha Co-op Bank Fixed Deposit rate changes
Changes to Varachha Co-op 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 Varachha Co-op Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Varachha Co-op Bank with similar banks
Nearby banks paying a little more at 1 year
Banks with a similar rate at 1 year
Best FD rates among urban co-operative banks → Best FD rates in Gujarat →
Varachha Co-op Bank Fixed Deposit: frequently asked questions
What is the highest Varachha Co-op Bank Fixed Deposit interest rate?
As of 22 Oct 2026, The Varachha Co-operative Bank Ltd. offers up to 8.00% p.a. on its fixed deposit (FD) (3232 days) for general customers. Rates below are as published by the bank — confirm with Varachha Co-op Bank before investing.
What is the Varachha Co-op Bank 1-year FD interest rate?
As of 22 Oct 2026, The Varachha Co-operative Bank Ltd. offers 6.50% p.a. on a 1-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 22 Oct 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Varachha Co-op Bank 2-year FD interest rate?
As of 22 Oct 2026, The Varachha Co-operative Bank Ltd. offers 6.50% p.a. on a 2-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 22 Oct 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Varachha Co-op Bank 3-year FD interest rate?
As of 22 Oct 2026, The Varachha Co-operative Bank Ltd. offers 7.25% p.a. on a 3-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 22 Oct 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Varachha Co-op Bank 5-year FD interest rate?
As of 22 Oct 2026, The Varachha Co-operative Bank Ltd. offers 7.00% p.a. on a 5-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 22 Oct 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Varachha Co-op Bank?
The Varachha Co-operative Bank Ltd. does not publish a separate senior citizen premium for these deposits in our data. Check the bank's official rate card for any senior-citizen offers.
When did Varachha Co-op Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Varachha Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Varachha Co-op Bank offer?
The Varachha Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 6 tenure bands, from “7 Days and above up to 90 Days” to “5 Years and above up to 10 Year”.
Does Varachha Co-op Bank have special fixed deposit (FD) schemes?
The Varachha Co-operative Bank Ltd.'s rate table lists these named schemes (5): Dhan Kuber Bachat Yojana; Dipawali Bachat Yojana; Divyang Bachat Yojana; Ganga Bachat Yojana; Dhanlaxmi Bachat Yojana. Check eligibility and end dates with the bank.
Does Varachha Co-op Bank pay more than the Post Office Time Deposit?
The Varachha Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 1 of 4 standard tenures compared (general rates). Rates: 1y 6.50% (PO 6.90%), 2y 6.50% (PO 7.00%), 3y 7.25% (PO 7.10%), 5y 7.00% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Varachha Co-op Bank's 1-year FD rate rank?
The Varachha Co-operative Bank Ltd.'s 1-year general FD rate of 6.50% ranks #185 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 Varachha Co-op Bank insured?
Deposits with The Varachha Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Varachha Co-op Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 22 Oct 2026. Rates can change without notice, so verify on the official Varachha Co-op Bank website before investing.
More Varachha Co-op Bank rates
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with The Varachha 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.
- Varachha 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.
- Varachha Co-op Bank's FD table includes 5 special schemes; check eligibility and end dates.
Informational only — always confirm the current rate on the official Varachha 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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