Best 2 years FD rates · October 2026

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

As of 22 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 Shri Vinayak Bank at 8.50%. Always confirm the current rate on the bank's official website before investing.

Q: 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.

Q: 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 22 Oct 2026).

Q: 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.

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

Rates updated 22 Oct 2026

Best 2 years FD rates

General public · below ₹3 crore · Dataset refreshed 22 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	Shri Vinayak Sahakari Bank Ltd. Co-operative Gujarat	8.50%	366 days to 730 days
4	Kolar and Chikkaballapur District Central Co-operative Bank Co-operative Karnataka	8.25%	2 to 3 years
5	Adarsha Pattana Souharda Sahakari Bank Niyamitha Co-operative Karnataka	8.10%	2 years to 3 years
6	Gondal Nagarik Sahakari Bank Ltd. Co-operative Gujarat	8.00%	365 DAYS TO 36 MONTH
7	Shivalik Small Finance Bank Small Finance Delhi +9 states	8.00%	23 months 1 day to 27 months
8	Ananda Co-operative Bank Ltd. Co-operative Karnataka	7.75%	Above 1 year to 2 year
9	ESAF Small Finance Bank Small Finance Nationwide	7.75%	2 years to 799 days
10	Slice Small Finance Bank Small Finance Arunachal Pradesh +11 states	7.75%	1.5 years 1 day - 2 years
11	South Canara District Central Co-operative Bank Co-operative Karnataka	7.75%	1 to 3 years
12	The Bhuj Mercantile Co-operative Bank Ltd. Co-operative Gujarat	7.75%	From 555 days to 1095 days
13	Visakhapatnam District Central Co-operative Bank Co-operative Andhra Pradesh	7.75%	1 to 3 years
14	Jana Small Finance Bank Small Finance Nationwide	7.65%	>2 years
15	Akhand Anand Co-Operative Bank Ltd. Co-operative Gujarat	7.60%	2 year up to less than 3 year
16	Bangalore & Bangalore Rural District Co-op Central Bank Ltd. Co-operative Karnataka	7.60%	1 to 10 years
17	Mahabubnagar District Central Co-operative Bank Co-operative Telangana	7.60%	1 to 3 years
18	Raichur District Co-operative Central Bank Co-operative Karnataka	7.60%	Above 2 years
19	Ujjivan Small Finance Bank Small Finance Nationwide	7.55%	2 years
20	Begusarai District Central Co-operative Bank Ltd. Co-operative Bihar	7.50%	2 to 3 years
21	Belgaum District Central Co-operative Bank Ltd. Co-operative Karnataka	7.50%	1 year and above
22	Central Co-operative Bank Sawai Madhopur Co-operative Rajasthan	7.50%	2 to 3 years
23	Davangere District Co-operative Central Bank Ltd. Co-operative Karnataka	7.50%	2 to 3 years
24	DCB Bank Private Nationwide	7.50%	24 months to less than 25 months
25	Gujarat Mercantile Co-operative Bank Ltd. Co-operative Gujarat	7.50%	2 year to 5 years
26	Hassan District Co-operative Central Bank Ltd. Co-operative Karnataka	7.50%	2 to less than 3 years
27	Jilla Sahakari Kendriya Bank Maryadit, Betul Co-operative Madhya Pradesh	7.50%	2 to 5 years
28	Jivan Commercial Co-operative Bank Ltd. Co-operative Gujarat	7.50%	Above 12 months to 24 months
29	Kurukshetra District Central Co-operative Bank Co-operative Haryana	7.50%	2 to 3 years
30	Mysore City District Co-operative Central Bank Co-operative Karnataka	7.50%	1 year and above
31	Nalgonda District Central Co-operative Bank Co-operative Telangana	7.50%	1 year and above
32	Rohtak District Central Co-operative Bank Co-operative Haryana	7.50%	2 to 3 years
33	Sarvodaya Commercial Co-operative Bank Ltd. Co-operative Gujarat	7.50%	Above 12 months to 24 months
34	Sarvodaya Sahakari Bank Ltd. Co-operative Gujarat	7.50%	1 year to 3 years
35	The Adinath Co-operative Bank Ltd. Co-operative Gujarat	7.50%	24 months to 60 months
36	The Ankola Urban Co-operative Bank Ltd. Co-operative Karnataka	7.50%	For 401 days to 3 years
37	The Bhadran Peoples' Co-Op. Bank Ltd. Co-operative Gujarat	7.50%	24 months to 35 months
38	The Charada Nagrik Sahakari Bank Ltd. Co-operative Gujarat	7.50%	24 months to 35 months
39	The Godhra City Co-op Bank Ltd. Co-operative Gujarat	7.50%	2 years
40	The Ranuj Nagrik Sahkari Bank Ltd. Co-operative Gujarat	7.50%	12 month and above
41	Tumkur District Central Co-operative Bank Co-operative Karnataka	7.50%	Above 2 years
42	Utkarsh Small Finance Bank Small Finance Nationwide	7.50%	2 years to 3 years
43	Warangal District Central Co-operative Bank Co-operative Telangana	7.50%	1 to 3 years
44	Bandhan Bank Private Nationwide	7.45%	2 years to less than 3 years
45	Kakinada District Co-operative Central Bank Ltd. Co-operative Andhra Pradesh	7.35%	2 to 5 years
46	The Panchsheel Mercantile Co-op. Bank Ltd. Co-operative Gujarat	7.35%	above 12 months up to 24 months
47	City Union Bank Private Nationwide	7.30%	556 days to 3 years
48	Sikkim State Co-operative Bank Co-operative Sikkim	7.30%	2 years to under 3 years
49	Sindhudurg District Central Co-operative Bank Co-operative Maharashtra	7.30%	2 to 3 years
50	Ahmednagar District Central Co-operative Bank Ltd. Co-operative Maharashtra	7.25%	1 year to less than 3 years
51	Andaman & Nicobar State Co-operative Bank Co-operative Andaman and Nicobar Islands	7.25%	1 year to less than 5 years
52	Balangir District Central Co-operative Bank Ltd. Co-operative Odisha	7.25%	2 years to 3 years
53	CSB Bank Private Nationwide	7.25%	Above 18 months to 30 months
54	Faridabad Central Co-operative Bank Ltd. Co-operative Haryana	7.25%	2 to 3 years
55	Jilla Sahakari Kendriya Bank Maryadit, Vidisha Co-operative Madhya Pradesh	7.25%	More than 1 to 5 years
56	Malpur Nagrik Sahkari Bank Ltd. Co-operative Gujarat	7.25%	2 year to 3 year
57	Nayagarh District Central Co-operative Bank Co-operative Odisha	7.25%	2 to 3 years
58	Prime Co-operative Bank Ltd. Co-operative Gujarat	7.25%	above 1 years to 3 years
59	RBL Bank Private Nationwide	7.25%	18 months to 36 months
60	Srikakulam District Central Co-operative Bank Co-operative Andhra Pradesh	7.25%	2 to 3 years
61	Surendranagar District Central Co-operative Bank Co-operative Gujarat	7.25%	2 to 3 years
62	Suryoday Small Finance Bank Small Finance Gujarat +5 states	7.25%	Above 18 months to 2 years
63	The Adilabad District Co-operative Central Bank Ltd. Co-operative Telangana	7.25%	2 to 3 years
64	The Andhra Pradesh Mahesh Co-operative Urban Bank Ltd. Co-operative Telangana +1 state	7.25%	Above 1 year & upto 2 years
65	The Associate Co-operative Bank Ltd. Co-operative Gujarat	7.25%	Above 1 year upto 2 years
66	The Bhavnagar District Co-operative Bank Ltd. Co-operative Gujarat	7.25%	2 years and above
67	The Harij Nagarik Sahakari Bank Ltd. Co-operative Gujarat	7.25%	365 days and above
68	The Lunawada People's Co-op Bank Ltd. Co-operative Gujarat	7.25%	2 YEARS TO UNDER 3 YEARS
69	The Marketyard Commercial Co-op. Bank Ltd. Co-operative Gujarat	7.25%	2 years (25 months) to below 3 years
70	Tirunelveli Nellai Central Co-operative Bank Co-operative Tamil Nadu	7.25%	2 to 3 years
71	Zila Sahkari Bank Limited Meerut Co-operative Uttar Pradesh	7.25%	2 to 3 years
72	Andhra Pradesh State Co-operative Bank Co-operative Andhra Pradesh	7.20%	More than 1 year to 2 years
73	Banaskantha District Central Co-operative Bank Ltd. Co-operative Gujarat	7.20%	2 to 3 years
74	Kadapa District Co-operative Central Bank Ltd. Co-operative Andhra Pradesh	7.20%	2 to 3 years
75	Mahendragarh District Central Co-operative Bank Co-operative Haryana	7.20%	2 to 3 years
76	Mumbai District Central Co-operative Bank Co-operative Maharashtra	7.20%	730 to 1094 days
77	District Co-operative Bank Ltd. Farrukhabad Co-operative Uttar Pradesh	7.15%	2 to less than 3 years
78	Rewari District Central Co-operative Bank Co-operative Haryana	7.15%	2 to 3 years
79	The Churu Central Co-operative Bank Ltd. Co-operative Rajasthan	7.15%	2 years and above
80	The Karnavati Co-op Bank Ltd. Co-operative Gujarat	7.15%	2 YEARS TO 3 YEARS (Higher interest payer Bank )
81	The Rander Peoples Co-op. Bank Ltd. Co-operative Gujarat	7.15%	2 years to 3 years
82	AU Small Finance Bank Small Finance Nationwide	7.10%	24 months 1 day to 30 months
83	IDFC First Bank Private Nationwide	7.10%	500 days – 3 years
84	Kaithal District Central Co-operative Bank Co-operative Haryana	7.10%	2 to 3 years
85	Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd. Co-operative Maharashtra	7.10%	1 year to 2 years
86	Odisha State Co-operative Bank Co-operative Odisha	7.10%	2 to less than 3 years
87	Sirsa District Central Co-operative Bank Co-operative Haryana	7.10%	Above 2 years
88	Tamil Nadu State Apex Co-operative Bank Co-operative Tamil Nadu	7.10%	24 months to under 36 months
89	The Baroda City Co-operative Bank Ltd. Co-operative Gujarat	7.10%	For 730 days · Dhan Varsha
90	Kurnool District Central Co-operative Bank Co-operative Andhra Pradesh	7.05%	1 year and above
91	Maharashtra State Co-operative Bank Co-operative Maharashtra	7.05%	More than 1 year to up to 2 years
92	TJSB Sahakari Bank Ltd. Co-operative Maharashtra +6 states	7.05%	From 12 months to 24 months
93	Amreli Nagrik Sahakari Bank Ltd. Co-operative Gujarat	7.00%	2 year to Less than 5 year
94	Capital Small Finance Bank Small Finance Chandigarh +7 states	7.00%	1 year to less than 5 years
95	Chhattisgarh Rajya Sahakari Bank Maryadit Co-operative Chhattisgarh	7.00%	2 years to less than 3 years
96	Chikkamagaluru District Co-operative Central Bank Ltd. Co-operative Karnataka	7.00%	2 to 5 years
97	Deutsche Bank India Foreign Bank Delhi +8 states	7.00%	> 1.5 yrs - 2 yrs
98	Dhanera Mercantile Co-operative Bank Ltd. Co-operative Gujarat	7.00%	13 months to 36 months
99	Equitas Small Finance Bank Small Finance Andhra Pradesh +17 states	7.00%	18 months 1 day to 2 years
100	Goa State Co-operative Bank Co-operative Goa	7.00%	1 year and above
101	Gujarat Gramin Bank Regional Rural Gujarat	7.00%	Above 2 years and up to 3 years
102	Hissar District Central Co-operative Bank Ltd. Co-operative Haryana	7.00%	2 to 3 years
103	IndusInd Bank Private Nationwide	7.00%	2 years to 3 years
104	Jharkhand Rajya Gramin Bank Regional Rural Jharkhand	7.00%	2 years to less than 3 years
105	Jharkhand State Co-operative Bank Co-operative Jharkhand	7.00%	2 years to 3 years
106	Kerala State Co-operative Bank Co-operative Kerala	7.00%	2 years and above
107	Khammam District Co-operative Central Bank Ltd. Co-operative Telangana	7.00%	2 to 3 years
108	Kolhapur District Central Co-operative Bank Ltd. Co-operative Maharashtra	7.00%	2 to 3 years
109	Krishna District Central Co-operative Bank Co-operative Andhra Pradesh	7.00%	1 to 3 years
110	Mandya District Co-operative Central Bank Co-operative Karnataka	7.00%	1 to 3 years
111	Meghalaya Co-operative Apex Bank Co-operative Meghalaya	7.00%	2 to 3 years
112	Nagaland Rural Bank Regional Rural Nagaland	7.00%	2 years to less than 3 years
113	Nellore District Central Co-operative Bank Co-operative Andhra Pradesh	7.00%	2 to 3 years
114	Panchmahals District Central Co-operative Bank Co-operative Gujarat	7.00%	2 to 3 years
115	Post Office Savings Schemes Government Scheme	7.00%	2 years
116	Rajkot District Central Co-operative Bank Co-operative Gujarat	7.00%	2 to 3 years
117	Rohika District Central Co-operative Bank Co-operative Bihar	7.00%	2 to 3 years
118	Sardarganj Mercantile Co-op. Bank Ltd., Anand Co-operative Gujarat	7.00%	1 year and above upto 3 years
119	Shikshak Sahakari Bank Ltd. Co-operative Maharashtra	7.00%	Above 1 yr to 2 yrs
120	Shree Bharat Co-operative Bank Ltd. Co-operative Gujarat	7.00%	2 years to 3 years
121	Shree Talaja Nagrik Sahakari Bank Ltd. Co-operative Gujarat	7.00%	1 year to 2 year
122	Tamil Nadu Grama Bank Regional Rural Tamil Nadu	7.00%	2 years to less than 3 years
123	Tamilnad Mercantile Bank Private Nationwide	7.00%	2 years to less than 3 years
124	The Banaskantha Mercantile Co-operative Bank Ltd. Co-operative Gujarat	7.00%	More than 18 months, up to 24 months
125	The Bhagalpur Central Co-operative Bank Ltd. Co-operative Bihar	7.00%	2 to 3 years
126	The Bharat Co-operative Bank (Mumbai) Ltd. Co-operative Maharashtra	7.00%	Above 15 months to 2 years
127	The Bhavnagar Nagrik Sahakari Bank Ltd. Co-operative Gujarat	7.00%	1 years to 5 years
128	The Dhrangadhra Peoples' Co-Op. Bank Ltd. Co-operative Gujarat	7.00%	13 months to 36 months
129	The Junagadh Commercial Co-op Bank Ltd. Co-operative Gujarat	7.00%	Above 12 months to 24 months
130	The Karnataka State Co-operative Apex Bank Co-operative Karnataka	7.00%	1 year and above
131	The Kheda Peoples Co-operative Bank Ltd. Co-operative Gujarat	7.00%	From 555 days to 1000 days
132	The Nasik Merchants Co-operative Bank Ltd. Co-operative Maharashtra	7.00%	Above 12 months up to 24 months
133	The Navnirman Co-operative Bank Ltd. Co-operative Gujarat	7.00%	13 months to 25 months
134	The Padra Nagar Nagrik Sahakari Bank Ltd. Co-operative Gujarat	7.00%	13 MONTHS TO 36 MONTHS
135	The People's Co-operative Bank Ltd., Dholka Co-operative Gujarat	7.00%	366 day to 1095 day
136	The Sarangpur Co-operative Bank Ltd. Co-operative Gujarat	7.00%	1 year to 3 years
137	The Surat National Co-op. Bank Ltd. Co-operative Gujarat	7.00%	Above 1 year to 2 years
138	The Surat Peoples Co-operative Bank Ltd. Co-operative Gujarat +1 state	7.00%	Above 1 year up to 2 years
139	The Sutex Co-operative Bank Ltd. Co-operative Gujarat	7.00%	Above 1 year and upto 3 years
140	The Vallabh Vidyanagar Commercial Co-op. Bank Ltd. Co-operative Gujarat	7.00%	1 year and Above upto 3 years (Cumulative Interest)
141	The Veraval Mercantile Co-operative Bank Ltd. Co-operative Gujarat	7.00%	02 years to 03 years
142	The Veraval People's Co-op. Bank Ltd. Co-operative Gujarat	7.00%	2 year to 3 years
143	Yes Bank Private Nationwide	7.00%	24 months < 35 months
144	Bassein Catholic Co-operative Bank Ltd. Co-operative Maharashtra	6.90%	Greater than 18 up to 36 months
145	Bharatpur Central Co-operative Bank Ltd. Co-operative Rajasthan	6.90%	2 to less than 3 years
146	District Co-operative Bank Pilibhit Co-operative Uttar Pradesh	6.90%	2 to 3 years
147	The Ahmedabad Mercantile Co-operative Bank Ltd. Co-operative Gujarat	6.90%	Over 1 years to 2 years
148	The Thasra Peoples Co-op. Bank Ltd. Co-operative Gujarat	6.90%	Above 1 year to 2 year
149	Chittorgarh Kendriya Sahkari Bank Ltd. Co-operative Rajasthan	6.85%	2 to 3 years
150	The Cosmos Co-operative Bank Ltd. Co-operative Maharashtra	6.85%	Above 16 months to 24 months
151	The Mansa Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.85%	13 months to 24 months
152	The Santrampur Urban Co-op. Bank Ltd. Co-operative Gujarat	6.85%	1 year up to 2 year (FD)
153	Amanath Co-operative Bank Ltd. Co-operative Karnataka	6.80%	Above1 year & up to 2 years
154	District Co-operative Bank Rampur Co-operative Uttar Pradesh	6.80%	2 to 3 years
155	Jalaun District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.80%	More than 1 to 3 years
156	NKGSB Co-operative Bank Ltd. Co-operative Maharashtra	6.80%	16 months - 24 months
157	Shree Kadi Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.80%	Above 12 months to 24 months
158	The Nagpur Nagarik Sahakari Bank Ltd. Co-operative Maharashtra +2 states	6.80%	18 months (One Day) to 36 months
159	Agra Zilla Sahakari Bank Ltd. Co-operative Uttar Pradesh	6.75%	2 to 3 years
160	Aligarh Zilla Sahakari Bank Ltd. Co-operative Uttar Pradesh	6.75%	2 to 3 years
161	Amreli Jilla Madhyasth Sahakari Bank Maryadit Co-operative Gujarat	6.75%	2 years to less than 3 years
162	Ballia District Central Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.75%	Above 2 years to 3 years
163	Bhiwani Central Co-operative Bank Ltd. Co-operative Haryana	6.75%	556 days and above
164	Central Co-operative Bank Kota Co-operative Rajasthan	6.75%	1 to 3 years
165	District Central Co-operative Bank Ltd., Katihar Co-operative Bihar	6.75%	2 to 3 years
166	District Co-operative Bank Lakhimpur Kheri Co-operative Uttar Pradesh	6.75%	730 to 1094 days
167	District Co-operative Bank Ltd. Deoria Co-operative Uttar Pradesh	6.75%	2 to 3 years
168	District Co-operative Bank Siddharth Nagar Co-operative Uttar Pradesh	6.75%	730 to 1094 days
169	Dombivli Nagari Sahakari Bank Ltd. Co-operative Maharashtra	6.75%	Above 15 M to 2 Y
170	Hamirpur District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.75%	2 to less than 3 years
171	Hardoi District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.75%	2 to less than 3 years
172	Janata Sahakari Bank Ltd., Pune Co-operative Maharashtra	6.75%	2 year to less than 3 years
173	Jilla Sahakari Kendriya Bank Maryadit, Chhatarpur Co-operative Madhya Pradesh	6.75%	2 to 3 years
174	Kankaria Maninagar Nagrik Sahakari Bank Ltd. Co-operative Gujarat	6.75%	From 2 year to 3 year
175	M. S. Co-operative Bank Ltd. Co-operative Gujarat	6.75%	1 year to 2 years
176	Magadh District Central Co-operative Bank Co-operative Bihar	6.75%	2 to 3 years
177	Sangli Urban Co-operative Bank Ltd. Co-operative Maharashtra	6.75%	1 year to less than 4 years · Non-Cumulative
178	Shivamogga District Co-operative Central Bank Co-operative Karnataka	6.75%	2 to 3 years
179	Shree Parswanath Co-operative Bank Ltd. Co-operative Gujarat	6.75%	2 year
180	Siwan District Central Co-operative Bank Co-operative Bihar	6.75%	2 to 3 years
181	Solapur Janata Sahakari Bank Ltd. Co-operative Maharashtra	6.75%	More than 18 months up to 24 months
182	The Anand Mercantile Co-operative Bank Ltd. Co-operative Gujarat	6.75%	12 months and above up to 36 months
183	The Bavla Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.75%	13 months to 24 months
184	The Bhagyodaya Co-operative Bank Ltd. Co-operative Gujarat	6.75%	(4) 12 months & Above 12 months and up to 24 months
185	The Co-operative Bank of Mehsana Ltd. Co-operative Gujarat	6.75%	12 months to 35 months
186	The Co-Operative Bank of Rajkot Ltd. Co-operative Gujarat	6.75%	above 12 months up to 24 months
187	The Gandhidham Mercantile Co-operative Bank Ltd. Co-operative Gujarat	6.75%	12 months to 36 months
188	The Goa Urban Co-operative Bank Ltd. Co-operative Goa	6.75%	Above 12 months to 24 months
189	The Himmatnagar Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.75%	1 year (365 days ) to 3 year (36 months)
190	The Idar Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.75%	13 months to 24 months
191	The Kalupur Commercial Co-operative Bank Ltd. Co-operative Gujarat +1 state	6.75%	1 year and up to 2 years
192	The Kukarwada Nagrik Sahakari Bank Ltd. Co-operative Gujarat	6.75%	2 YEAR TO 3 YEAR BELOW
193	The Union Co-operative Bank Ltd. Co-operative Gujarat	6.75%	24 months
194	The Vijay Co-operative Bank Ltd. Co-operative Gujarat	6.75%	Above 18 months and up to 36 months
195	Zila Sahakari Bank Ltd. Basti Co-operative Uttar Pradesh	6.75%	Above 2 to 3 years
196	Apna Sahakari Bank Ltd. Co-operative Maharashtra	6.70%	399 days to 2 year
197	Dungarpur Central Co-operative Bank Ltd. Co-operative Rajasthan	6.70%	2 to less than 3 years
198	Etah District Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.70%	2 to less than 3 years
199	GP Parsik Sahakari Bank Ltd. Co-operative Maharashtra +2 states	6.70%	Above 18 months to 3 years
200	Jammu and Kashmir Grameen Bank Regional Rural Jammu and Kashmir	6.70%	2 years to 887 days
201	Jilla Sahakari Kendriya Bank Maryadit, Sehore Co-operative Madhya Pradesh	6.70%	2 to 3 years
202	Prakasam District Central Co-operative Bank Co-operative Andhra Pradesh	6.70%	2 to 3 years
203	Shamrao Vithal Co-operative Bank Ltd. Co-operative Maharashtra	6.70%	16 months to 24 months
204	Uttarakhand State Co-operative Bank Co-operative Uttarakhand	6.70%	Above 1 year to 3 years
205	Baroda District Central Co-operative Bank Ltd. Co-operative Gujarat	6.65%	2 to 3 years
206	Kotak Mahindra Bank Private Nationwide	6.65%	2 years- less than 3 years
207	The Mehsana Urban Co-operative Bank Ltd. Co-operative Gujarat	6.65%	Above 1 year to 2 years
208	Bank of India Public Sector Nationwide	6.60%	2 years to less than 3 years
209	District Central Co-operative Bank Ltd., Khagaria Co-operative Bihar	6.60%	2 to 3 years
210	Gadchiroli District Central Co-operative Bank Ltd. Co-operative Maharashtra	6.60%	2 to 3 years
211	Greater Co-operative Bank Ltd. Co-operative Maharashtra	6.60%	2 years to less than 3 years
212	Howrah District Central Co-operative Bank Ltd. Co-operative West Bengal	6.60%	More than 1 to 3 years
213	Nawada District Central Co-operative Bank Co-operative Bihar	6.60%	2 to 3 years
214	Panchkula District Central Co-operative Bank Co-operative Haryana	6.60%	2 to 3 years
215	Puducherry Grama Bank Regional Rural Puducherry	6.60%	2 years to less than 3 years
216	Saraswat Co-operative Bank Ltd. Co-operative Maharashtra	6.60%	1 year 11 days to 2 years
217	Arunachal Pradesh Rural Bank Regional Rural Arunachal Pradesh	6.55%	>2 years to <3 years
218	Karur Vysya Bank Private Nationwide	6.55%	401 days up to 2 years
219	Mizoram Co-operative Apex Bank Co-operative Mizoram	6.55%	2 to less than 3 years
220	Nagaland State Co-operative Bank Co-operative Nagaland	6.55%	1 to 2 years
221	Sabarkantha District Central Co-operative Bank Co-operative Gujarat	6.55%	367 to 731 days
222	Accountant General's Office Employees Co-operative Bank Ltd. Co-operative Karnataka	6.50%	19 months to 36 months
223	Alavi Co-Operative Bank Ltd. Co-operative Gujarat	6.50%	From 1 year to 5 year
224	Axis Bank Private Nationwide	6.50%	2 years < 3 years
225	Balageria Central Co-operative Bank Ltd. Co-operative West Bengal	6.50%	2 years to 3 years
226	Balasinor Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.50%	400 days to 730 days
227	Bihar Gramin Bank Regional Rural Bihar	6.50%	>2 years to 3 years
228	Broach District Central Co-operative Bank Ltd. Co-operative Gujarat	6.50%	1 year and above
229	Chhattisgarh Gramin Bank Regional Rural Chhattisgarh	6.50%	2 years to less than 3 years
230	Chittoor District Co-operative Central Bank Ltd. Co-operative Andhra Pradesh	6.50%	2 to 3 years
231	Citizens Co-operative Bank Ltd., Rajkot Co-operative Gujarat	6.50%	1 year upto 2 year
232	Dhanlaxmi Bank Private Andhra Pradesh +15 states	6.50%	Above 2 years upto & inclusive of 3 years
233	Federal Bank Private Nationwide	6.50%	Above 24 months to less than 48 months
234	Gujarat Ambuja Co-operative Bank Ltd. Co-operative Gujarat	6.50%	16 months to 24 months
235	Gujarat State Co-operative Bank Ltd Co-operative Gujarat	6.50%	366 days to 24 months
236	IDBI Bank Private Nationwide	6.50%	> 2 years to <3years
237	Jamnagar District Central Co-operative Bank Ltd. Co-operative Gujarat	6.50%	431 to 730 days
238	Jogindra Central Co-operative Bank Ltd. Co-operative Himachal Pradesh	6.50%	2 to less than 3 years
239	Karnataka Grameena Bank Regional Rural Karnataka	6.50%	Above 1 year upto & inclusive 2 years
240	Kerala Gramin Bank Regional Rural Kerala	6.50%	Above 15 months up to including 2 years
241	Meghalaya Rural Bank Regional Rural Meghalaya	6.50%	more than 1year and less than 3 years
242	Mizoram Rural Bank Regional Rural Mizoram	6.50%	2 years to less than 3 years
243	Nagpur District Central Co-operative Bank Co-operative Maharashtra	6.50%	2 to 3 years
244	Nainital Bank Private Delhi +5 states	6.50%	Above 18 months to 2 years
245	Punjab Gramin Bank Regional Rural Punjab	6.50%	445 days to 2 years
246	Sihor Mercantile Co-op. Bank Ltd. Co-operative Gujarat	6.50%	1 year and above
247	Standard Chartered India Foreign Bank Andhra Pradesh +17 states	6.50%	21M < 2 yrs
248	Thane Bharat Sahakari Bank Ltd. Co-operative Maharashtra	6.50%	Above 1 year to 3 years
249	The Akki-Alur Urban Co-operative Bank Ltd. Co-operative Karnataka	6.50%	1 year and Above
250	The Akola Janata Commercial Co-operative Bank Ltd. Co-operative Maharashtra +1 state	6.50%	Above 1 year to 2 years
251	The Chanasma Nagrik Sahakari Bank Ltd. Co-operative Gujarat	6.50%	13 months to 24 months
252	The Dahod Urban Co-operative Bank Ltd. Co-operative Gujarat	6.50%	2 year to Below 3 year
253	The Gandhidham Co-op Bank Ltd. Co-operative Gujarat	6.50%	12 months to 36 months
254	The Gandhinagar Nagarik Co-op. Bank Ltd. Co-operative Gujarat	6.50%	366 days to 36 months
255	The Haryana State Co-operative Apex Bank Co-operative Haryana	6.50%	2 years to less than 3 years
256	The Kalol Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.50%	24 months to 36 months
257	The Kalyan Janata Sahakari Bank Ltd. Co-operative Maharashtra	6.50%	Above 18 months to less than 3 years
258	The Kapdawanj People's Co-Op. Bank Ltd. Co-operative Gujarat	6.50%	12 months to 35 months
259	The Karad Urban Co-operative Bank Ltd. Co-operative Maharashtra	6.50%	Above 15 months to 2 years
260	The Khambhat Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.50%	1 YEAR AND ABOVE
261	The Mandal Nagrik Sahkari Bank Ltd. Co-operative Gujarat	6.50%	13 MONTH TO 60 MONTH
262	The Modasa Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.50%	12 month and upto 60 month
263	The Nawanagar Co-operative Bank Ltd. Co-operative Gujarat	6.50%	Above 1 year to 2 years
264	The Patan Nagarik Sahakari Bank Ltd. Co-operative Gujarat	6.50%	1 YEAR AND ABOVE UP TO 2 YEAR
265	The Saraspur Nagarik Co-op. Bank Ltd. Co-operative Gujarat	6.50%	above 15 months - 3 years
266	The Surat Mercantile Co-op. Bank Ltd. Co-operative Gujarat	6.50%	More than 1 years to 2 years
267	The Umreth Urban Co-op. Bank Ltd. Co-operative Gujarat	6.50%	1 YEARS ABOVE
268	The Varachha Co-operative Bank Ltd. Co-operative Gujarat	6.50%	1 year and above up to below 3 year
269	Tripura Gramin Bank Regional Rural Tripura	6.50%	2 years to less than 3 years
270	Daman & Diu State Co-operative Bank Co-operative Dadra and Nagar Haveli and Daman and Diu	6.45%	2 to 3 years
271	HDFC Bank Private Nationwide	6.45%	21 months to 2 years
272	Telangana Grameena Bank Regional Rural Telangana	6.45%	2 year to less than 3 years
273	Uttarakhand Gramin Bank Regional Rural Uttarakhand	6.45%	2 years to less than 3 years
274	Vidyasagar Central Co-operative Bank Co-operative West Bengal	6.45%	366 to 1094 days
275	Andhra Pradesh Grameena Bank Regional Rural Andhra Pradesh	6.40%	2 years and above
276	Himachal Pradesh Gramin Bank Regional Rural Himachal Pradesh	6.40%	>1 year to 2 year
277	Hooghly District Central Co-operative Bank Ltd. Co-operative West Bengal	6.40%	More than 1 to 3 years
278	Indian Overseas Bank Public Sector Nationwide	6.40%	2 years to < 3 years
279	Karnataka Bank Private Nationwide	6.40%	556 days to 2 years
280	Patliputra District Central Co-operative Bank Co-operative Bihar	6.40%	2 to 3 years
281	State Bank of India Public Sector Nationwide	6.40%	2 years to less than 3 years
282	The Chanasma Commercial Co-op Bank Ltd. Co-operative Gujarat	6.40%	From 12 months to 25 months
283	Unava Nagrik Sahakari Bank Ltd. Co-operative Gujarat	6.40%	13 months to 24 months
284	Abhyudaya Co-operative Bank Ltd. Co-operative Maharashtra	6.35%	Above 12 months to 24 months
285	Bharati Sahakari Bank Ltd. Co-operative Maharashtra	6.35%	13 months to 24 months
286	Bombay Mercantile Co-operative Bank Ltd. Co-operative Maharashtra +1 state	6.35%	2 years to less than 3 year
287	Rajasthan Gramin Bank Regional Rural Rajasthan	6.35%	More than 1 year to less than 3 years
288	The Khamgaon Urban Co-operative Bank Ltd. Co-operative Maharashtra	6.35%	Above 18 months up to 2 years
289	District Co-operative Bank Mirzapur Co-operative Uttar Pradesh	6.30%	2 to 3 years
290	ICICI Bank Private Nationwide	6.30%	18 months to 2 years
291	Madhya Pradesh Gramin Bank Regional Rural Madhya Pradesh	6.30%	2 years
292	Punjab National Bank Public Sector Nationwide	6.30%	667 days to 2 years
293	The West Bengal State Co-operative Bank Co-operative West Bengal	6.30%	Above 1 year to 3 years
294	Uttar Pradesh Gramin Bank Regional Rural Uttar Pradesh	6.30%	02 yrs to up to 3 yrs
295	Uttar Pradesh State Co-operative Bank Co-operative Uttar Pradesh	6.30%	2 to 3 years
296	Ahmedabad District Central Co-operative Bank Ltd. Co-operative Gujarat	6.25%	2 to 5 years
297	Amritsar Central Co-operative Bank Ltd. Co-operative Punjab	6.25%	Above 2 years to 3 years
298	Assam Gramin Vikash Bank Regional Rural Assam	6.25%	More than 1 year to less than 3 years
299	Bank of Baroda Public Sector Nationwide	6.25%	Above 400 days and upto 2 years (except 444 and 555 days)
300	Bathinda Central Co-operative Bank Ltd. Co-operative Punjab	6.25%	2 to 3 years
301	Canara Bank Public Sector Nationwide	6.25%	2 years & above to less than 3 years
302	Central Bank of India Public Sector Nationwide	6.25%	2 years to less than 3 years
303	Gopalganj District Central Co-operative Bank Ltd. Co-operative Bihar	6.25%	2 to 3 years
304	Haryana Gramin Bank Regional Rural Haryana	6.25%	451 days to 2 years
305	Jilla Sahakari Kendriya Bank Maryadit, Raisen Co-operative Madhya Pradesh	6.25%	2 to 3 years
306	Tarapur Co-op Urban Bank Ltd. Co-operative Gujarat	6.25%	23 months to 35 months
307	The Bihar State Co-operative Bank Co-operative Bihar	6.25%	2 years to less than 3 years
308	The Chandigarh State Co-operative Bank Co-operative Chandigarh	6.25%	2 years to less than 3 years
309	The Vepar Udhyog Vikas Sahakari Bank Ltd. Co-operative Gujarat	6.25%	2 year and Above
310	The Zoroastrian Co-operative Bank Ltd. Co-operative Maharashtra +1 state	6.25%	Over 15 months up to 2 years
311	West Bengal Gramin Bank Regional Rural West Bengal	6.25%	401 days to 2 years
312	Assam Co-operative Apex Bank Co-operative Assam	6.20%	456 days to less than 3 years
313	Bank of Maharashtra Public Sector Nationwide	6.15%	Above 1 year to 2 years
314	Indian Bank Public Sector Nationwide	6.15%	2 years to less than 777 days
315	Union Bank of India Public Sector Nationwide	6.15%	556 to 996 days
316	Burdwan District Central Co-operative Bank Ltd. Co-operative West Bengal	6.10%	2 to 3 years
317	Maharashtra Gramin Bank Regional Rural Maharashtra	6.10%	2 years to less than 3 years
318	UCO Bank Public Sector Nationwide	6.10%	536 days to 2 years
319	Motihari District Central Co-operative Bank Co-operative Bihar	6.05%	2 to 3 years
320	Bahraich District Central Co-operative Bank Ltd. Co-operative Uttar Pradesh	6.00%	Over 1 year
321	Central Co-operative Bank Pali Co-operative Rajasthan	6.00%	730 to 1824 days
322	Citizen Credit Co-operative Bank Ltd. Co-operative Maharashtra	6.00%	2 years to less than 3 years
323	Himachal Pradesh State Co-operative Bank Co-operative Himachal Pradesh	6.00%	2 years to less than 3 years
324	Manipur Rural Bank Regional Rural Manipur	6.00%	2 years to less than 3 years
325	Shree Vardhaman Sahakari Bank Ltd. Co-operative Gujarat	6.00%	1 YEAR up to 3 YEAR
326	Shri Mahila Sewa Sahakari Bank Ltd. Co-operative Gujarat	6.00%	365 days to 3years
327	The Gandhinagar Urban Co-op Bank Ltd. Co-operative Gujarat	6.00%	13 months to 24 months
328	Punjab & Sind Bank Public Sector Nationwide	5.95%	2 years to 776 days
329	Chitradurga District Co-operative Central Bank Ltd. Co-operative Karnataka	5.90%	2 years and above
330	Manipur State Co-operative Bank Co-operative Manipur	5.90%	2 to 3 years
331	Odisha Grameen Bank Regional Rural Odisha	5.90%	2 years to less than 3 years
332	Puducherry State Co-operative Bank Co-operative Puducherry	5.85%	2 to 3 years
333	South Indian Bank Private Nationwide	5.85%	Above 18 months to less than 30 months
334	Nagrik Sahakari Bank Ltd., Raipur Co-operative Chhattisgarh	5.80%	2 year to Less than 3 year
335	Arunachal Pradesh State Co-operative Apex Bank Co-operative Arunachal Pradesh	5.75%	1 year to 3 years
336	District Co-operative Bank Ltd. Barabanki Co-operative Uttar Pradesh	5.75%	2 to 3 years
337	Sardar Bhiladwala Pardi Peoples Co-operative Bank Ltd. Co-operative Gujarat	5.75%	2 year to 3 year
338	The Gozaria Nagrik Sahkari Bank Ltd. Co-operative Gujarat	5.75%	24 months to below 36 months
339	The Meghraj Nagarik Sahakari Bank Ltd. Co-operative Gujarat	5.75%	365 DAYS to 1825 DAYS
340	Janakalyan Sahakari Bank Ltd. Co-operative Maharashtra	5.50%	More than 18 months to 30 months
341	Sitamarhi District Central Co-operative Bank Co-operative Bihar	5.50%	2 to 5 years
342	The Mandvi Mercantile Co-operative Bank Ltd. Co-operative Gujarat	5.50%	13 month up to 24 month
343	The Maninagar Co-Op. Bank Ltd. Co-operative Gujarat	5.50%	12 MONTHS AND UPTO 24 MONTHS
344	The Rajkot Commercial Co-Operative Bank Ltd. Co-operative Gujarat	5.50%	13 months to 24 months
345	The Sathamba People's Co-operative Bank Ltd. Co-operative Gujarat	5.50%	12 month and above
346	Banswara Central Co-operative Bank Ltd. Co-operative Rajasthan	5.30%	1 to 5 years
347	Sarvodaya Nagarik Sahakari Bank Ltd. Co-operative Gujarat	5.25%	12 months to 36 months
348	The Dharmaj Peoples Co-Op Bank Ltd. Co-operative Gujarat	5.25%	2 year to below 5 years
349	District Co-operative Bank Ltd., Kanpur Co-operative Uttar Pradesh	5.10%	2 to 3 years
350	HSBC India Foreign Bank Andhra Pradesh +13 states	4.30%	701 days to 730 days

Best FD rate by tenure

Tap a tenure for the full ranking

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 22 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 22 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 Shri Vinayak Bank at 8.50%. 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 22 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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