Zila Sahkari Bank Ltd., Garhwal (Kotdwar) Fixed Deposit interest rates · November 2026
What will my FD earn at ZSB Garhwal (Kotdwar)?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 days to 45 days |
3.50% | 4.00% | Any amount | 4 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
46 days to 90 days |
4.50% | 5.00% | Any amount | 4 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
91 days to 180 days |
4.75% | 5.25% | Any amount | 4 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
181 days to 210 days |
6.00% | 6.50% | Any amount | 4 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
211 days to less than 1 year |
6.10% | 6.60% | Any amount | 4 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
1 year |
6.80% | 7.30% | Any amount | 4 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
Above 1 year to 3 years 2 slabs at this rate |
6.75% | 7.25% | Any amount | 4 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
444 days Special term deposit (444 days) |
6.90% | 7.40% | Any amount | 4 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
Above 3 years to 5 years |
6.70% | 7.20% | Any amount | 4 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
Above 5 years to 10 years |
6.20% | 6.70% | Any amount | 4 Aug 2025 ✓ verified 13 Nov 2026 | official fetched 13 Nov 2026 |
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ZSB Garhwal (Kotdwar) 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
6.80%- Transcribed from the bank's published rate sheet (re-checked by SHA-256 on every fetch); order of 01 August 2025, rates from 04.08.2025; staff and retired-staff extras are not ingested
- Individual accounts only; not for recurring deposits; Transcribed from the bank's published rate sheet (re-checked by SHA-256 on every fetch); order of 01 August 2025, rates from 04.08.2025; staff and retired-staff extras are not ingested
Before you book
ZSB Garhwal (Kotdwar) Fixed Deposit: frequently asked questions
What is the highest ZSB Garhwal (Kotdwar) Fixed Deposit interest rate?
As of 14 Nov 2026, Zila Sahkari Bank Ltd., Garhwal (Kotdwar) offers up to 6.90% p.a. on its fixed deposit (FD) (444 days) for general customers and 7.40% p.a. (444 days) for senior citizens. Rates below are as published by the bank. Confirm with ZSB Garhwal (Kotdwar) before investing.
What is the ZSB Garhwal (Kotdwar) 1-year FD interest rate?
As of 14 Nov 2026, Zila Sahkari Bank Ltd., Garhwal (Kotdwar) offers 6.80% p.a. on a 1-year FD for general customers and 7.30% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 4 Aug 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the ZSB Garhwal (Kotdwar) 2-year FD interest rate?
As of 14 Nov 2026, Zila Sahkari Bank Ltd., Garhwal (Kotdwar) 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 4 Aug 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the ZSB Garhwal (Kotdwar) 3-year FD interest rate?
As of 14 Nov 2026, Zila Sahkari Bank Ltd., Garhwal (Kotdwar) 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 4 Aug 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the ZSB Garhwal (Kotdwar) 5-year FD interest rate?
As of 14 Nov 2026, Zila Sahkari Bank Ltd., Garhwal (Kotdwar) offers 6.70% p.a. on a 5-year FD for general customers and 7.20% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 4 Aug 2025 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at ZSB Garhwal (Kotdwar)?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Zila Sahkari Bank Ltd., Garhwal (Kotdwar), depending on the tenure.
When did ZSB Garhwal (Kotdwar) last change its Fixed Deposit rates?
RateScan.in has recorded no change to Zila Sahkari Bank Ltd., Garhwal (Kotdwar)'s fixed deposit (FD) rates since it started tracking them on 13 Nov 2026.
What fixed deposit (FD) tenures does ZSB Garhwal (Kotdwar) offer?
Zila Sahkari Bank Ltd., Garhwal (Kotdwar)'s published fixed deposit (FD) rate table has 10 tenure bands, from “7 days to 45 days” to “Above 5 years to 10 years”.
Does ZSB Garhwal (Kotdwar) have special fixed deposit (FD) schemes?
Zila Sahkari Bank Ltd., Garhwal (Kotdwar)'s rate table lists these named schemes (1): Special term deposit (444 days). Check eligibility and end dates with the bank.
Does ZSB Garhwal (Kotdwar) pay more than the Post Office Time Deposit?
Zila Sahkari Bank Ltd., Garhwal (Kotdwar) pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.80% (PO 6.90%), 2y 6.75% (PO 7.00%), 3y 6.75% (PO 7.10%), 5y 6.70% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does ZSB Garhwal (Kotdwar)'s 1-year FD rate rank?
Zila Sahkari Bank Ltd., Garhwal (Kotdwar)'s 1-year general FD rate of 6.80% ranks #458 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 ZSB Garhwal (Kotdwar) insured?
Deposits with Zila Sahkari Bank Ltd., Garhwal (Kotdwar) are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these ZSB Garhwal (Kotdwar) rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 4 Aug 2025. Rates can change without notice, so verify on the official ZSB Garhwal (Kotdwar) website before investing.
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Good to know
- Deposits with Zila Sahkari Bank Ltd., Garhwal (Kotdwar) 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.
- ZSB Garhwal (Kotdwar) is a district central 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 ZSB Garhwal (Kotdwar), depending on the tenure.
- ZSB Garhwal (Kotdwar)'s FD table includes 1 special schemes; check eligibility and end dates.
Informational only. Always confirm the current rate on the official ZSB Garhwal (Kotdwar) 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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