The Vijay Co-operative Bank Ltd. Fixed Deposit interest rates · October 2026
Vijay Co-op Bank's best Fixed Deposit rate is 7.00% (Above 12 Months and up to 18 Months), 2.00 points below the best on the market (9.00%).
- Seniors: up to 7.50% (Above 12 Months and up to 18 Months), 0.50 points above the general rate for that tenure.
Showing 7 of 11 rates.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 Days to 45 Days |
3.50% | 3.50% | Below ₹15 lakh | 1 Dec 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
46 Days to 90 Days |
4.00% | 4.00% | Below ₹15 lakh | 1 Dec 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
91 Days to 180 Days |
4.50% | 4.50% | Below ₹15 lakh | 1 Dec 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
181 Days up to 12 Months Below ₹15 lakh |
6.00% | 6.00% | Below ₹15 lakh | 1 Dec 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
181 Days up to 12 Months ₹15 lakh and above |
6.50% | — | ₹15 lakh and above | 1 Dec 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 12 Months and up to 18 Months Below ₹15 lakh |
7.00% | 7.50% | Below ₹15 lakh | 1 Dec 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 12 Months and up to 18 Months ₹15 lakh and above |
7.50% | — | ₹15 lakh and above | 1 Dec 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 18 Months and up to 36 Months Below ₹15 lakh |
6.75% | 7.25% | Below ₹15 lakh | 1 Dec 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 18 Months and up to 36 Months ₹15 lakh and above |
7.25% | — | ₹15 lakh and above | 1 Dec 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 36 Months and up to 120 Months Below ₹15 lakh |
6.50% | 7.00% | Below ₹15 lakh | 1 Dec 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 36 Months and up to 120 Months ₹15 lakh and above |
7.00% | — | ₹15 lakh and above | 1 Dec 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
No rates match these filters.
Vijay Co-op Bank FD returns at a glance based on investment amount
| Deposit | ~1 year6.00% | ~3 years6.75% | ~5 years6.50% | ~10 years6.50% |
|---|---|---|---|---|
| ₹50,000 | ₹53,068₹250/mo | ₹61,120₹281/mo | ₹69,021₹271/mo | ₹95,278₹271/mo |
| ₹1 lakh | ₹1,06,136₹500/mo | ₹1,22,239₹563/mo | ₹1,38,042₹542/mo | ₹1,90,556₹542/mo |
| ₹2 lakh | ₹2,12,273₹1,000/mo | ₹2,44,479₹1,125/mo | ₹2,76,084₹1,083/mo | ₹3,81,112₹1,083/mo |
| ₹5 lakh | ₹5,30,682₹2,500/mo | ₹6,11,196₹2,813/mo | ₹6,90,210₹2,708/mo | ₹9,52,779₹2,708/mo |
| ₹10 lakh | ₹10,61,364₹5,000/mo | ₹12,22,393₹5,625/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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- Bulk deposit rate (deposits of more than 181 days)
Chart shows the Below ₹15 lakh rates; other deposit amounts are in the table above.
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.
Vijay Co-op Bank Fixed Deposit rate changes
Changes to Vijay 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 Vijay Co-op Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Vijay Co-op Bank 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 →
Vijay Co-op Bank Fixed Deposit: frequently asked questions
What is the highest Vijay Co-op Bank Fixed Deposit interest rate?
As of 22 Oct 2026, The Vijay Co-operative Bank Ltd. offers up to 7.00% p.a. on its fixed deposit (FD) (Above 12 Months and up to 18 Months) for general customers and 7.50% p.a. (Above 12 Months and up to 18 Months) for senior citizens. Rates below are as published by the bank — confirm with Vijay Co-op Bank before investing.
What is the Vijay Co-op Bank 1-year FD interest rate?
As of 22 Oct 2026, The Vijay Co-operative Bank Ltd. offers 6.00% p.a. on a 1-year FD for general customers and 6.00% 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.
What is the Vijay Co-op Bank 2-year FD interest rate?
As of 22 Oct 2026, The Vijay 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 Dec 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Vijay Co-op Bank 3-year FD interest rate?
As of 22 Oct 2026, The Vijay Co-operative Bank Ltd. offers 6.75% p.a. on a 3-year FD for general customers and 7.25% 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 Vijay Co-op Bank 5-year FD interest rate?
As of 22 Oct 2026, The Vijay Co-operative 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 Vijay Co-op Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Vijay Co-operative Bank Ltd., depending on the tenure.
When did Vijay Co-op Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Vijay Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Vijay Co-op Bank offer?
The Vijay Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 7 tenure bands, from “7 Days to 45 Days” to “Above 36 Months and up to 120 Months”.
Does Vijay Co-op Bank pay different fixed deposit (FD) rates by deposit size?
Yes. The Vijay Co-operative Bank Ltd.'s table lists separate bands: Below ₹15 lakh; ₹15 lakh and above. Each row shows the band it applies to.
Does Vijay Co-op Bank pay more than the Post Office Time Deposit?
The Vijay Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.00% (PO 6.90%), 2y 6.75% (PO 7.00%), 3y 6.75% (PO 7.10%), 5y 6.50% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Vijay Co-op Bank's 1-year FD rate rank?
The Vijay Co-operative Bank Ltd.'s 1-year general FD rate of 6.00% ranks #283 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 Vijay Co-op Bank insured?
Deposits with The Vijay Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Vijay Co-op 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 Vijay Co-op Bank website before investing.
More Vijay Co-op Bank rates
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with The Vijay 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.
- Vijay 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.
- Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Vijay Co-op Bank, depending on the tenure.
Informational only — always confirm the current rate on the official Vijay 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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