Best 2 years FD rates · October 2026

The banks offering the highest fixed-deposit rate for a 2 years tenure, ranked.

Rates updated 19 Oct 2026

Best 2 years FD rates

General public · below ₹3 crore · Dataset refreshed 19 Oct 2026

#	Bank	Rate	Applies to
1	The Bapunagar Mahila Co-operative Bank Ltd. Co-operative Gujarat	9.00%	12 months to 24 months
2	Sangli District Central Co-operative Bank Co-operative Maharashtra	8.50%	2 to 3 years
3	Kolar and Chikkaballapur District Central Co-operative Bank Co-operative Karnataka	8.25%	2 to 3 years
4	Jana Small Finance Bank Small Finance Nationwide	8.00%	>2 years - 3 years (1095 days)
5	Shivalik Small Finance Bank Small Finance Delhi +9 states	8.00%	23 months 1 day to 27 months
6	ESAF Small Finance Bank Small Finance Nationwide	7.75%	2 years to 799 days
7	Slice Small Finance Bank Small Finance Arunachal Pradesh +11 states	7.75%	1.5 years 1 day - 2 years
8	South Canara District Central Co-operative Bank Co-operative Karnataka	7.75%	1 to 3 years
9	Visakhapatnam District Central Co-operative Bank Co-operative Andhra Pradesh	7.75%	1 to 3 years
10	Akhand Anand Co-Operative Bank Ltd. Co-operative Gujarat	7.60%	2 year up to less than 3 year
11	Bangalore & Bangalore Rural District Co-op Central Bank Ltd. Co-operative Karnataka	7.60%	1 to 10 years
12	Mahabubnagar District Central Co-operative Bank Co-operative Telangana	7.60%	1 to 3 years
13	Raichur District Co-operative Central Bank Co-operative Karnataka	7.60%	Above 2 years
14	Ujjivan Small Finance Bank Small Finance Nationwide	7.55%	2 years
15	Begusarai District Central Co-operative Bank Ltd. Co-operative Bihar	7.50%	2 to 3 years
16	Belgaum District Central Co-operative Bank Ltd. Co-operative Karnataka	7.50%	1 year and above
17	Central Co-operative Bank Sawai Madhopur Co-operative Rajasthan	7.50%	2 to 3 years
18	Davangere District Co-operative Central Bank Ltd. Co-operative Karnataka	7.50%	2 to 3 years
19	DCB Bank Private Nationwide	7.50%	24 months to less than 25 months
20	Hassan District Co-operative Central Bank Ltd. Co-operative Karnataka	7.50%	2 to less than 3 years
21	Jilla Sahakari Kendriya Bank Maryadit, Betul Co-operative Madhya Pradesh	7.50%	2 to 5 years
22	Kurukshetra District Central Co-operative Bank Co-operative Haryana	7.50%	2 to 3 years
23	Mysore City District Co-operative Central Bank Co-operative Karnataka	7.50%	1 year and above
24	Nalgonda District Central Co-operative Bank Co-operative Telangana	7.50%	1 year and above
25	Rohtak District Central Co-operative Bank Co-operative Haryana	7.50%	2 to 3 years
26	The Akola Urban Co-operative Bank Ltd. Co-operative Maharashtra	7.50%	For 401 days to 3 years
27	Tumkur District Central Co-operative Bank Co-operative Karnataka	7.50%	Above 2 years
28	Utkarsh Small Finance Bank Small Finance Nationwide	7.50%	2 years to 3 years
29	Warangal District Central Co-operative Bank Co-operative Telangana	7.50%	1 to 3 years
30	Bandhan Bank Private Nationwide	7.45%	2 years to less than 3 years
31	Kakinada District Co-operative Central Bank Ltd. Co-operative Andhra Pradesh	7.35%	2 to 5 years
32	Sikkim State Co-operative Bank Co-operative Sikkim	7.30%	2 years to under 3 years
33	Sindhudurg District Central Co-operative Bank Co-operative Maharashtra	7.30%	2 to 3 years
34	Ahmednagar District Central Co-operative Bank Ltd. Co-operative Maharashtra	7.25%	1 year to less than 3 years
35	Andaman & Nicobar State Co-operative Bank Co-operative Andaman and Nicobar Islands	7.25%	1 year to less than 5 years
36	Balangir District Central Co-operative Bank Ltd. Co-operative Odisha	7.25%	2 years to 3 years
37	CSB Bank Private Nationwide	7.25%	Above 18 months to 30 months
38	Faridabad Central Co-operative Bank Ltd. Co-operative Haryana	7.25%	2 to 3 years
39	Jilla Sahakari Kendriya Bank Maryadit, Vidisha Co-operative Madhya Pradesh	7.25%	More than 1 to 5 years
40	Nayagarh District Central Co-operative Bank Co-operative Odisha	7.25%	2 to 3 years
41	RBL Bank Private Nationwide	7.25%	18 months to 36 months
42	Srikakulam District Central Co-operative Bank Co-operative Andhra Pradesh	7.25%	2 to 3 years
43	Surendranagar District Central Co-operative Bank Co-operative Gujarat	7.25%	2 to 3 years
44	Suryoday Small Finance Bank Small Finance Gujarat +5 states	7.25%	Above 18 months to 2 years
45	The Adilabad District Co-operative Central Bank Ltd. Co-operative Telangana	7.25%	2 to 3 years
46	The Andhra Pradesh Mahesh Co-operative Urban Bank Ltd. Co-operative Telangana +1 state	7.25%	Above 1 year & upto 2 years
47	The Bhavnagar District Co-operative Bank Ltd. Co-operative Gujarat	7.25%	2 years and above
48	Tirunelveli Nellai Central Co-operative Bank Co-operative Tamil Nadu	7.25%	2 to 3 years
49	Zila Sahkari Bank Limited Meerut Co-operative Uttar Pradesh	7.25%	2 to 3 years
50	Andhra Pradesh State Co-operative Bank Co-operative Andhra Pradesh	7.20%	More than 1 year to 2 years
51	Banaskantha District Central Co-operative Bank Ltd. Co-operative Gujarat	7.20%	2 to 3 years
52	Kadapa District Co-operative Central Bank Ltd. Co-operative Andhra Pradesh	7.20%	2 to 3 years
53	Mahendragarh District Central Co-operative Bank Co-operative Haryana	7.20%	2 to 3 years
54	Mumbai District Central Co-operative Bank Co-operative Maharashtra	7.20%	730 to 1094 days
55	District Co-operative Bank Ltd. Farrukhabad Co-operative Uttar Pradesh	7.15%	2 to less than 3 years
56	Rewari District Central Co-operative Bank Co-operative Haryana	7.15%	2 to 3 years
57	The Churu Central Co-operative Bank Ltd. Co-operative Rajasthan	7.15%	2 years and above
58	AU Small Finance Bank Small Finance Nationwide	7.10%	24 months 1 day to 30 months
59	IDFC First Bank Private Nationwide	7.10%	500 days – 3 years
60	Kaithal District Central Co-operative Bank Co-operative Haryana	7.10%	2 to 3 years
61	Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd. Co-operative Maharashtra	7.10%	1 year to 2 years
62	Odisha State Co-operative Bank Co-operative Odisha	7.10%	2 to less than 3 years
63	Sirsa District Central Co-operative Bank Co-operative Haryana	7.10%	Above 2 years
64	Tamil Nadu State Apex Co-operative Bank Co-operative Tamil Nadu	7.10%	24 months to under 36 months
65	Kurnool District Central Co-operative Bank Co-operative Andhra Pradesh	7.05%	1 year and above
66	Maharashtra State Co-operative Bank Co-operative Maharashtra	7.05%	More than 1 year to up to 2 years
67	Amreli Nagrik Sahakari Bank Ltd. Co-operative Gujarat	7.00%	2 year to Less than 5 year
68	Capital Small Finance Bank Small Finance Chandigarh +7 states	7.00%	1 year to less than 5 years
69	Chhattisgarh Rajya Sahakari Bank Maryadit Co-operative Chhattisgarh	7.00%	2 years to less than 3 years
70	Chikkamagaluru District Co-operative Central Bank Ltd. Co-operative Karnataka	7.00%	2 to 5 years
71	Deutsche Bank India Foreign Bank Delhi +8 states	7.00%	> 1.5 yrs - 2 yrs
72	Equitas Small Finance Bank Small Finance Andhra Pradesh +17 states	7.00%	18 months 1 day to 2 years
73	Goa State Co-operative Bank Co-operative Goa	7.00%	1 year and above
74	Gujarat Gramin Bank Regional Rural Gujarat	7.00%	Above 2 years and up to 3 years
75	Hissar District Central Co-operative Bank Ltd. Co-operative Haryana	7.00%	2 to 3 years
76	IndusInd Bank Private Nationwide	7.00%	2 years to 3 years
77	Jharkhand Rajya Gramin Bank Regional Rural Jharkhand	7.00%	2 years to less than 3 years
78	Jharkhand State Co-operative Bank Co-operative Jharkhand	7.00%	2 years to 3 years
79	Kerala State Co-operative Bank Co-operative Kerala	7.00%	2 years and above
80	Khammam District Co-operative Central Bank Ltd. Co-operative Telangana	7.00%	2 to 3 years
81	Kolhapur District Central Co-operative Bank Ltd. Co-operative Maharashtra	7.00%	2 to 3 years
82	Krishna District Central Co-operative Bank Co-operative Andhra Pradesh	7.00%	1 to 3 years
83	Mandya District Co-operative Central Bank Co-operative Karnataka	7.00%	1 to 3 years
84	Meghalaya Co-operative Apex Bank Co-operative Meghalaya	7.00%	2 to 3 years
85	Nagaland Rural Bank Regional Rural Nagaland	7.00%	2 years to less than 3 years
86	Nellore District Central Co-operative Bank Co-operative Andhra Pradesh	7.00%	2 to 3 years
87	Panchmahals District Central Co-operative Bank Co-operative Gujarat	7.00%	2 to 3 years
88	Post Office Savings Schemes Government Scheme	7.00%	2 years
89	Rajkot District Central Co-operative Bank Co-operative Gujarat	7.00%	2 to 3 years
90	Rohika District Central Co-operative Bank Co-operative Bihar	7.00%	2 to 3 years
91	Shikshak Sahakari Bank Ltd. Co-operative Maharashtra	7.00%	Above 1 yr to 2 yrs
92	Tamil Nadu Grama Bank Regional Rural Tamil Nadu	7.00%	2 years to less than 3 years
93	Tamilnad Mercantile Bank Private Nationwide	7.00%	2 years to less than 3 years
94	The Banaskantha Mercantile Co-operative Bank Ltd. Co-operative Gujarat	7.00%	More than 18 months, up to 24 months
95	The Bhagalpur Central Co-operative Bank Ltd. Co-operative Bihar	7.00%	2 to 3 years
96	The Bharat Co-operative Bank (Mumbai) Ltd. Co-operative Maharashtra	7.00%	Above 15 months to 2 years
97	The Karnataka State Co-operative Apex Bank Co-operative Karnataka	7.00%	1 year and above
98	The Surat Peoples Co-operative Bank Ltd. Co-operative Gujarat +1 state	7.00%	Above 1 year up to 2 years
99	Yes Bank Private Nationwide	7.00%	24 months < 35 months
100	Bassein Catholic Co-operative Bank Ltd. Co-operative Maharashtra	6.90%	Greater than 18 up to 36 months
101	Bharatpur Central Co-operative Bank Ltd. Co-operative Rajasthan	6.90%	2 to less than 3 years
102	District Co-operative Bank Pilibhit Co-operative Uttar Pradesh	6.90%	2 to 3 years
103	The Ahmedabad Mercantile Co-operative Bank Ltd. Co-operative Gujarat	6.90%	Over 1 years to 2 years
104	Chittorgarh Kendriya Sahkari Bank Ltd. Co-operative Rajasthan	6.85%	2 to 3 years
105	The Cosmos Co-operative Bank Ltd. Co-operative Maharashtra	6.85%	Above 16 months to 24 months
106	Amanath Co-operative Bank Ltd. Co-operative Karnataka	6.80%	Above1 year & up to 2 years
107	District Co-operative Bank Rampur Co-operative Uttar Pradesh	6.80%	2 to 3 years
108	Jalaun District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.80%	More than 1 to 3 years
109	The Nagpur Nagarik Sahakari Bank Ltd. Co-operative Maharashtra +2 states	6.80%	18 months (One Day) to 36 months
110	Agra Zilla Sahakari Bank Ltd. Co-operative Uttar Pradesh	6.75%	2 to 3 years
111	Aligarh Zilla Sahakari Bank Ltd. Co-operative Uttar Pradesh	6.75%	2 to 3 years
112	Amreli Jilla Madhyasth Sahakari Bank Maryadit Co-operative Gujarat	6.75%	2 years to less than 3 years
113	Ballia District Central Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.75%	Above 2 years to 3 years
114	Bhiwani Central Co-operative Bank Ltd. Co-operative Haryana	6.75%	556 days and above
115	Central Co-operative Bank Kota Co-operative Rajasthan	6.75%	1 to 3 years
116	District Central Co-operative Bank Ltd., Katihar Co-operative Bihar	6.75%	2 to 3 years
117	District Co-operative Bank Lakhimpur Kheri Co-operative Uttar Pradesh	6.75%	730 to 1094 days
118	District Co-operative Bank Ltd. Deoria Co-operative Uttar Pradesh	6.75%	2 to 3 years
119	District Co-operative Bank Siddharth Nagar Co-operative Uttar Pradesh	6.75%	730 to 1094 days
120	Dombivli Nagari Sahakari Bank Ltd. Co-operative Maharashtra	6.75%	Above 15 M to 2 Y
121	Hamirpur District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.75%	2 to less than 3 years
122	Hardoi District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.75%	2 to less than 3 years
123	Janata Sahakari Bank Ltd., Pune Co-operative Maharashtra	6.75%	2 year to less than 3 years
124	Jilla Sahakari Kendriya Bank Maryadit, Chhatarpur Co-operative Madhya Pradesh	6.75%	2 to 3 years
125	Magadh District Central Co-operative Bank Co-operative Bihar	6.75%	2 to 3 years
126	Shivamogga District Co-operative Central Bank Co-operative Karnataka	6.75%	2 to 3 years
127	Siwan District Central Co-operative Bank Co-operative Bihar	6.75%	2 to 3 years
128	The Goa Urban Co-operative Bank Ltd. Co-operative Goa	6.75%	Above 12 months to 24 months
129	The Kalupur Commercial Co-operative Bank Ltd. Co-operative Gujarat +1 state	6.75%	1 year and up to 2 years
130	Zila Sahakari Bank Ltd. Basti Co-operative Uttar Pradesh	6.75%	Above 2 to 3 years
131	Apna Sahakari Bank Ltd. Co-operative Maharashtra	6.70%	399 days to 2 year
132	Dungarpur Central Co-operative Bank Ltd. Co-operative Rajasthan	6.70%	2 to less than 3 years
133	Etah District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.70%	2 to less than 3 years
134	GP Parsik Sahakari Bank Ltd. Co-operative Maharashtra +2 states	6.70%	Above 18 months to 3 years
135	Jammu and Kashmir Grameen Bank Regional Rural Jammu and Kashmir	6.70%	2 years to 887 days
136	Jilla Sahakari Kendriya Bank Maryadit, Sehore Co-operative Madhya Pradesh	6.70%	2 to 3 years
137	Prakasam District Central Co-operative Bank Co-operative Andhra Pradesh	6.70%	2 to 3 years
138	Uttarakhand State Co-operative Bank Co-operative Uttarakhand	6.70%	Above 1 year to 3 years
139	Baroda District Central Co-operative Bank Ltd. Co-operative Gujarat	6.65%	2 to 3 years
140	Kotak Mahindra Bank Private Nationwide	6.65%	2 years- less than 3 years
141	The Mehsana Urban Co-operative Bank Ltd. Co-operative Gujarat	6.65%	Above 1 year to 2 years
142	Bank of India Public Sector Nationwide	6.60%	2 years to less than 3 years
143	District Central Co-operative Bank Ltd., Khagaria Co-operative Bihar	6.60%	2 to 3 years
144	Gadchiroli District Central Co-operative Bank Ltd. Co-operative Maharashtra	6.60%	2 to 3 years
145	Greater Co-operative Bank Ltd. Co-operative Maharashtra	6.60%	2 years to less than 3 years
146	Howrah District Central Co-operative Bank Ltd. Co-operative West Bengal	6.60%	More than 1 to 3 years
147	Nawada District Central Co-operative Bank Co-operative Bihar	6.60%	2 to 3 years
148	Panchkula District Central Co-operative Bank Co-operative Haryana	6.60%	2 to 3 years
149	Puducherry Grama Bank Regional Rural Puducherry	6.60%	2 years to less than 3 years
150	Arunachal Pradesh Rural Bank Regional Rural Arunachal Pradesh	6.55%	>2 years to <3 years
151	Karur Vysya Bank Private Nationwide	6.55%	401 days up to 2 years
152	Mizoram Co-operative Apex Bank Co-operative Mizoram	6.55%	2 to less than 3 years
153	Nagaland State Co-operative Bank Co-operative Nagaland	6.55%	1 to 2 years
154	Sabarkantha District Central Co-operative Bank Co-operative Gujarat	6.55%	367 to 731 days
155	Alavi Co-Operative Bank Ltd. Co-operative Gujarat	6.50%	From 1 year to 5 year
156	Axis Bank Private Nationwide	6.50%	2 years < 3 years
157	Balageria Central Co-operative Bank Ltd. Co-operative West Bengal	6.50%	2 years to 3 years
158	Balasinor Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.50%	400 days to 730 days
159	Bihar Gramin Bank Regional Rural Bihar	6.50%	>2 years to 3 years
160	Broach District Central Co-operative Bank Ltd. Co-operative Gujarat	6.50%	1 year and above
161	Chhattisgarh Gramin Bank Regional Rural Chhattisgarh	6.50%	2 years to less than 3 years
162	Chittoor District Co-operative Central Bank Ltd. Co-operative Andhra Pradesh	6.50%	2 to 3 years
163	City Union Bank Private Nationwide	6.50%	556 days to 3 years
164	Dhanlaxmi Bank Private Andhra Pradesh +15 states	6.50%	Above 2 years upto & inclusive of 3 years
165	Federal Bank Private Nationwide	6.50%	Above 24 months to less than 48 months
166	Gujarat State Co-operative Bank Ltd Co-operative Gujarat	6.50%	366 days to 24 months
167	IDBI Bank Private Nationwide	6.50%	> 2 years to <3years
168	Jamnagar District Central Co-operative Bank Ltd. Co-operative Gujarat	6.50%	431 to 730 days
169	Jogindra Central Co-operative Bank Ltd. Co-operative Himachal Pradesh	6.50%	2 to less than 3 years
170	Karnataka Grameena Bank Regional Rural Karnataka	6.50%	Above 1 year upto & inclusive 2 years
171	Kerala Gramin Bank Regional Rural Kerala	6.50%	Above 15 months up to including 2 years
172	Meghalaya Rural Bank Regional Rural Meghalaya	6.50%	more than 1year and less than 3 years
173	Mizoram Rural Bank Regional Rural Mizoram	6.50%	2 years to less than 3 years
174	Nagpur District Central Co-operative Bank Co-operative Maharashtra	6.50%	2 to 3 years
175	Nainital Bank Private Delhi +5 states	6.50%	Above 18 months to 2 years
176	Punjab Gramin Bank Regional Rural Punjab	6.50%	445 days to 2 years
177	Standard Chartered India Foreign Bank Andhra Pradesh +17 states	6.50%	21M < 2 yrs
178	The Akola Janata Commercial Co-operative Bank Ltd. Co-operative Maharashtra +1 state	6.50%	Above 1 year to 2 years
179	The Haryana State Co-operative Apex Bank Co-operative Haryana	6.50%	2 years to less than 3 years
180	Tripura Gramin Bank Regional Rural Tripura	6.50%	2 years to less than 3 years
181	Daman & Diu State Co-operative Bank Co-operative Dadra and Nagar Haveli and Daman and Diu	6.45%	2 to 3 years
182	HDFC Bank Private Nationwide	6.45%	21 months to 2 years
183	Telangana Grameena Bank Regional Rural Telangana	6.45%	2 year to less than 3 years
184	Uttarakhand Gramin Bank Regional Rural Uttarakhand	6.45%	2 years to less than 3 years
185	Vidyasagar Central Co-operative Bank Co-operative West Bengal	6.45%	366 to 1094 days
186	Andhra Pradesh Grameena Bank Regional Rural Andhra Pradesh	6.40%	2 years and above
187	Hooghly District Central Co-operative Bank Ltd. Co-operative West Bengal	6.40%	More than 1 to 3 years
188	Indian Overseas Bank Public Sector Nationwide	6.40%	2 years to < 3 years
189	Karnataka Bank Private Nationwide	6.40%	556 days to 2 years
190	Patliputra District Central Co-operative Bank Co-operative Bihar	6.40%	2 to 3 years
191	State Bank of India Public Sector Nationwide	6.40%	2 years to less than 3 years
192	Abhyudaya Co-operative Bank Ltd. Co-operative Maharashtra	6.35%	Above 12 months to 24 months
193	Bharati Sahakari Bank Ltd. Co-operative Maharashtra	6.35%	13 months to 24 months
194	Bombay Mercantile Co-operative Bank Ltd. Co-operative Maharashtra +1 state	6.35%	2 years to less than 3 year
195	Rajasthan Gramin Bank Regional Rural Rajasthan	6.35%	More than 1 year to less than 3 years
196	The Khamgaon Urban Co-operative Bank Ltd. Co-operative Maharashtra	6.35%	Above 18 months up to 2 years
197	District Co-operative Bank Mirzapur Co-operative Uttar Pradesh	6.30%	2 to 3 years
198	Himachal Pradesh Gramin Bank Regional Rural Himachal Pradesh	6.30%	>1 year to 2 year
199	ICICI Bank Private Nationwide	6.30%	18 months to 2 years
200	Madhya Pradesh Gramin Bank Regional Rural Madhya Pradesh	6.30%	2 years
201	Punjab National Bank Public Sector Nationwide	6.30%	667 days to 2 years
202	The West Bengal State Co-operative Bank Co-operative West Bengal	6.30%	Above 1 year to 3 years
203	Uttar Pradesh Gramin Bank Regional Rural Uttar Pradesh	6.30%	02 yrs to up to 3 yrs
204	Uttar Pradesh State Co-operative Bank Co-operative Uttar Pradesh	6.30%	2 to 3 years
205	Ahmedabad District Central Co-operative Bank Ltd. Co-operative Gujarat	6.25%	2 to 5 years
206	Amritsar Central Co-operative Bank Ltd. Co-operative Punjab	6.25%	Above 2 years to 3 years
207	Assam Gramin Vikash Bank Regional Rural Assam	6.25%	More than 1 year to less than 3 years
208	Bank of Baroda Public Sector Nationwide	6.25%	Above 400 days and upto 2 years (except 444 and 555 days)
209	Bathinda Central Co-operative Bank Ltd. Co-operative Punjab	6.25%	2 to 3 years
210	Canara Bank Public Sector Nationwide	6.25%	2 years & above to less than 3 years
211	Central Bank of India Public Sector Nationwide	6.25%	2 years to less than 3 years
212	Gopalganj District Central Co-operative Bank Ltd. Co-operative Bihar	6.25%	2 to 3 years
213	Haryana Gramin Bank Regional Rural Haryana	6.25%	451 days to 2 years
214	Jilla Sahakari Kendriya Bank Maryadit, Raisen Co-operative Madhya Pradesh	6.25%	2 to 3 years
215	The Bihar State Co-operative Bank Co-operative Bihar	6.25%	2 years to less than 3 years
216	The Chandigarh State Co-operative Bank Co-operative Chandigarh	6.25%	2 years to less than 3 years
217	West Bengal Gramin Bank Regional Rural West Bengal	6.25%	401 days to 2 years
218	Assam Co-operative Apex Bank Co-operative Assam	6.20%	456 days to less than 3 years
219	Bank of Maharashtra Public Sector Nationwide	6.15%	Above 1 year to 2 years
220	Indian Bank Public Sector Nationwide	6.15%	2 years to less than 777 days
221	Union Bank of India Public Sector Nationwide	6.15%	556 to 996 days
222	Burdwan District Central Co-operative Bank Ltd. Co-operative West Bengal	6.10%	2 to 3 years
223	Maharashtra Gramin Bank Regional Rural Maharashtra	6.10%	2 years to less than 3 years
224	UCO Bank Public Sector Nationwide	6.10%	536 days to 2 years
225	Motihari District Central Co-operative Bank Co-operative Bihar	6.05%	2 to 3 years
226	Bahraich District Central Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.00%	Over 1 year
227	Central Co-operative Bank Pali Co-operative Rajasthan	6.00%	730 to 1824 days
228	Citizen Credit Co-operative Bank Ltd. Co-operative Maharashtra	6.00%	2 years to less than 3 years
229	Himachal Pradesh State Co-operative Bank Co-operative Himachal Pradesh	6.00%	2 years to less than 3 years
230	Manipur Rural Bank Regional Rural Manipur	6.00%	2 years to less than 3 years
231	Punjab & Sind Bank Public Sector Nationwide	5.95%	2 years to 776 days
232	Chitradurga District Co-operative Central Bank Ltd. Co-operative Karnataka	5.90%	2 years and above
233	Manipur State Co-operative Bank Co-operative Manipur	5.90%	2 to 3 years
234	Odisha Grameen Bank Regional Rural Odisha	5.90%	2 years to less than 3 years
235	Puducherry State Co-operative Bank Co-operative Puducherry	5.85%	2 to 3 years
236	South Indian Bank Private Nationwide	5.85%	Above 18 months to less than 30 months
237	Nagrik Sahakari Bank Ltd., Raipur Co-operative Chhattisgarh	5.80%	2 year to Less than 3 year
238	Arunachal Pradesh State Co-operative Apex Bank Co-operative Arunachal Pradesh	5.75%	1 year to 3 years
239	District Co-operative Bank Ltd. Barabanki Co-operative Uttar Pradesh	5.75%	2 to 3 years
240	Sardar Bhiladwala Pardi Peoples Co-operative Bank Ltd. Co-operative Gujarat	5.75%	2 year to 3 year
241	Janakalyan Sahakari Bank Ltd. Co-operative Maharashtra	5.50%	More than 18 months to 30 months
242	Sitamarhi District Central Co-operative Bank Co-operative Bihar	5.50%	2 to 5 years
243	Banswara Central Co-operative Bank Ltd. Co-operative Rajasthan	5.30%	1 to 5 years
244	District Co-operative Bank Ltd., Kanpur Co-operative Uttar Pradesh	5.10%	2 to 3 years
245	HSBC India Foreign Bank Andhra Pradesh +13 states	4.30%	701 days to 730 days

Best FD rate by tenure

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State

Deposit amount

Looking for the best 2 years fixed deposit rate? A 2 years FD locks your money for 2 years at a rate fixed for the full term, so you know your maturity value the day you invest. As of 19 Oct 2026, the highest 2 years FD rate we track is 9.00% at The Bapunagar Mahila Co-operative Bank Ltd..

Rates for this tenure differ sharply between banks — small finance and private banks often lead, public sector banks follow — so comparing is worth it. All banks below are RBI-licensed with DICGC cover up to ₹5 lakh per depositor. The table is ranked best-first for a general depositor below ₹3 crore; estimate your exact payout with the FD calculator or check senior citizen rates.

Frequently Asked Questions

What is the highest 2 years FD rate in India right now?

As of 19 Oct 2026, The Bapunagar Mahila Co-operative Bank Ltd. offers the highest 2 years FD rate at 9.00% p.a. for general depositors. Other top options include Sangli DCCB at 8.50% and KCDCCB at 8.25%. Always confirm the current rate on the bank's official website before investing.

Which type of bank offers the best 2 years fixed deposit rates?

Both private sector banks and small finance banks regularly offer competitive 2 years FD rates. Public sector banks tend to offer lower but historically stable rates backed by government ownership.

Do senior citizens get a better rate on 2 years FDs?

Yes. Senior citizens (aged 60+) typically earn 0.25%–0.75% p.a. more than the general rate. For 2 years FDs, Bapunagar Mahila Bank currently offers the highest senior citizen rate at 9.50% p.a. (as of 19 Oct 2026).

Is TDS deducted on 2 years fixed deposit interest?

Yes. Interest earned on FDs is fully taxable as income. Banks deduct TDS at 10% if your total FD interest from a single bank exceeds ₹40,000 in a financial year (₹50,000 for senior citizens). Submit Form 15G (general public) or Form 15H (senior citizens) if your total income is below the taxable threshold to prevent TDS deduction.

Latest article Best FD rates in India on 16 October 2026: up to 9.00%

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