The Vita Merchant's Co-operative Bank Ltd. Fixed Deposit interest rates · November 2026
What will my FD earn at Vita Merchant's Co-op Bank?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 Days to 45 Days |
3.50% | 4.00% | Any amount | 1 May 2026 ✓ verified 13 Nov 2026 | official fetched 24 Oct 2026 |
46 Days to 90 Days |
5.50% | 6.00% | Any amount | 1 May 2026 ✓ verified 13 Nov 2026 | official fetched 24 Oct 2026 |
91 Days to 180 Days |
6.00% | 6.50% | Any amount | 1 May 2026 ✓ verified 13 Nov 2026 | official fetched 24 Oct 2026 |
181 Days to 364 Days |
6.50% | 7.00% | Any amount | 1 May 2026 ✓ verified 13 Nov 2026 | official fetched 24 Oct 2026 |
12 Months to less than 2 Years |
7.50% | 8.00% | Any amount | 1 May 2026 ✓ verified 13 Nov 2026 | official fetched 24 Oct 2026 |
2 Years to less than 3 Years |
7.75% | 8.25% | Any amount | 1 May 2026 ✓ verified 13 Nov 2026 | official fetched 24 Oct 2026 |
Above 3 Years |
7.50% | 8.00% | Any amount | 1 May 2026 ✓ verified 13 Nov 2026 | official fetched 24 Oct 2026 |
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Vita Merchant's Co-op Bank FD return examples
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
1 year
7.50%Before you book
Vita Merchant's Co-op Bank Fixed Deposit: frequently asked questions
What is the highest Vita Merchant's Co-op Bank Fixed Deposit interest rate?
As of 14 Nov 2026, The Vita Merchant's Co-operative Bank Ltd. offers up to 7.75% p.a. on its fixed deposit (FD) (2 Years to less than 3 Years) for general customers and 8.25% p.a. (2 Years to less than 3 Years) for senior citizens. Rates below are as published by the bank. Confirm with Vita Merchant's Co-op Bank before investing.
What is the Vita Merchant's Co-op Bank 1-year FD interest rate?
As of 14 Nov 2026, The Vita Merchant's Co-operative Bank Ltd. offers 7.50% p.a. on a 1-year FD for general customers and 8.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 May 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Vita Merchant's Co-op Bank 2-year FD interest rate?
As of 14 Nov 2026, The Vita Merchant's Co-operative Bank Ltd. offers 7.75% p.a. on a 2-year FD for general customers and 8.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 May 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Vita Merchant's Co-op Bank 5-year FD interest rate?
As of 14 Nov 2026, The Vita Merchant's Co-operative Bank Ltd. offers 7.50% p.a. on a 5-year FD for general customers and 8.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 May 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Vita Merchant's Co-op Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Vita Merchant's Co-operative Bank Ltd., depending on the tenure.
When did Vita Merchant's Co-op Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Vita Merchant's Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 25 Oct 2026.
What fixed deposit (FD) tenures does Vita Merchant's Co-op Bank offer?
The Vita Merchant's Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 7 tenure bands, from “7 Days to 45 Days” to “Above 3 Years”.
Does Vita Merchant's Co-op Bank pay more than the Post Office Time Deposit?
The Vita Merchant's Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 2 of 3 standard tenures compared (general rates). Rates: 1y 7.50% (PO 6.90%), 2y 7.75% (PO 7.00%), 5y 7.50% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Vita Merchant's Co-op Bank's 1-year FD rate rank?
The Vita Merchant's Co-operative Bank Ltd.'s 1-year general FD rate of 7.50% ranks #105 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
Is my fixed deposit (FD) with Vita Merchant's Co-op Bank insured?
Deposits with The Vita Merchant's Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Vita Merchant's Co-op Bank rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 1 May 2026. Rates can change without notice, so verify on the official Vita Merchant's Co-op Bank website before investing.
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Good to know
- Deposits with The Vita Merchant's 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.
- Vita Merchant's 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 Vita Merchant's Co-op Bank, depending on the tenure.
Informational only. Always confirm the current rate on the official Vita Merchant's 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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