The Vallabh Vidyanagar Commercial Co-op. Bank Ltd. Fixed Deposit interest rates · October 2026
Vallabh Vidyanagar Bank's best Fixed Deposit rate is 7.10% (Above 3 Years (Cumulative Interest)), 1.15 points below the best on the market (8.25%).
- Seniors: up to 7.60% (Above 3 Years (Cumulative Interest)), 0.50 points above the general rate for that tenure.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
007 Days to 045 Days |
3.50% | — | Any amount | 1 Oct 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
046 Days to 90 Days |
4.00% | — | Any amount | 1 Oct 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
091 Days to 180 Days |
5.00% | — | Any amount | 1 Oct 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
181 Days to 364 Days |
5.75% | — | Any amount | 1 Oct 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
1 Year and Above Upto 3 Years (Cumulative Interest) |
7.00% | 7.50% | Any amount | 1 Oct 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 3 Years (Cumulative Interest) |
7.10% | 7.60% | Any amount | 1 Oct 2025 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Vallabh Vidyanagar Bank FD returns at a glance based on investment amount
| Deposit | ~1 year7.00% | ~3 years7.00% | ~5 years7.10% | ~10 years7.10% |
|---|---|---|---|---|
| ₹50,000 | ₹53,593₹292/mo | ₹61,572₹292/mo | ₹71,087₹296/mo | ₹1,01,068₹296/mo |
| ₹1 lakh | ₹1,07,186₹583/mo | ₹1,23,144₹583/mo | ₹1,42,175₹592/mo | ₹2,02,136₹592/mo |
| ₹2 lakh | ₹2,14,372₹1,167/mo | ₹2,46,288₹1,167/mo | ₹2,84,349₹1,183/mo | ₹4,04,273₹1,183/mo |
| ₹5 lakh | ₹5,35,930₹2,917/mo | ₹6,15,720₹2,917/mo | ₹7,10,873₹2,958/mo | ₹10,10,682₹2,958/mo |
| ₹10 lakh | ₹10,71,859₹5,833/mo | ₹12,31,439₹5,833/mo | ₹14,21,747₹5,917/mo | ₹20,21,364₹5,917/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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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.
Vallabh Vidyanagar Bank Fixed Deposit rate changes
Changes to Vallabh Vidyanagar 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 Vallabh Vidyanagar Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Vallabh Vidyanagar Bank with similar banks
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Vallabh Vidyanagar Bank Fixed Deposit: frequently asked questions
What is the highest Vallabh Vidyanagar Bank Fixed Deposit interest rate?
As of 22 Oct 2026, The Vallabh Vidyanagar Commercial Co-op. Bank Ltd. offers up to 7.10% p.a. on its fixed deposit (FD) (Above 3 Years (Cumulative Interest)) for general customers and 7.60% p.a. (Above 3 Years (Cumulative Interest)) for senior citizens. Rates below are as published by the bank — confirm with Vallabh Vidyanagar Bank before investing.
What is the Vallabh Vidyanagar Bank 1-year FD interest rate?
As of 22 Oct 2026, The Vallabh Vidyanagar Commercial Co-op. Bank Ltd. offers 7.00% p.a. on a 1-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Oct 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Vallabh Vidyanagar Bank 2-year FD interest rate?
As of 22 Oct 2026, The Vallabh Vidyanagar Commercial Co-op. Bank Ltd. offers 7.00% p.a. on a 2-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Oct 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Vallabh Vidyanagar Bank 3-year FD interest rate?
As of 22 Oct 2026, The Vallabh Vidyanagar Commercial Co-op. Bank Ltd. offers 7.00% p.a. on a 3-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Oct 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Vallabh Vidyanagar Bank 5-year FD interest rate?
As of 22 Oct 2026, The Vallabh Vidyanagar Commercial Co-op. Bank Ltd. offers 7.10% p.a. on a 5-year FD for general customers and 7.60% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Oct 2025 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Vallabh Vidyanagar Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Vallabh Vidyanagar Commercial Co-op. Bank Ltd., depending on the tenure.
When did Vallabh Vidyanagar Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Vallabh Vidyanagar Commercial Co-op. Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Vallabh Vidyanagar Bank offer?
The Vallabh Vidyanagar Commercial Co-op. Bank Ltd.'s published fixed deposit (FD) rate table has 6 tenure bands, from “007 Days to 045 Days” to “Above 3 Years (Cumulative Interest)”.
Does Vallabh Vidyanagar Bank pay more than the Post Office Time Deposit?
The Vallabh Vidyanagar Commercial Co-op. Bank Ltd. pays more than the Post Office Time Deposit at 1 of 4 standard tenures compared (general rates). Rates: 1y 7.00% (PO 6.90%), 2y 7.00% (PO 7.00%), 3y 7.00% (PO 7.10%), 5y 7.10% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Vallabh Vidyanagar Bank's 1-year FD rate rank?
The Vallabh Vidyanagar Commercial Co-op. Bank Ltd.'s 1-year general FD rate of 7.00% ranks #64 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 Vallabh Vidyanagar Bank insured?
Deposits with The Vallabh Vidyanagar Commercial Co-op. Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Vallabh Vidyanagar Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 1 Oct 2025. Rates can change without notice, so verify on the official Vallabh Vidyanagar Bank website before investing.
More Vallabh Vidyanagar Bank rates
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with The Vallabh Vidyanagar Commercial Co-op. 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.
- Vallabh Vidyanagar 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 Vallabh Vidyanagar Bank, depending on the tenure.
Informational only — always confirm the current rate on the official Vallabh Vidyanagar 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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