FD rates in Andhra Pradesh · November 2026

Q: Which bank has the highest FD rate in Andhra Pradesh?

As of 14 Nov 2026, The Maharaja Co-operative Urban Bank Ltd., Visakhapatnam pays the highest FD rate among banks with a branch in Andhra Pradesh: 9.05% a year for general depositors. Next are Proddatur Town Bank at 9.00% and Gayatri Co-op Urban Bank at 8.75%. Confirm the current rate with the bank before you invest.

Q: How many banks have a branch in Andhra Pradesh?

75 of the banks RateScan.in tracks have at least one branch in Andhra Pradesh, counted from RBI's IFSC list: 34 co-operative and regional rural banks, and 41 public, private, small finance and other banks.

Q: Are FDs at co-operative banks in Andhra Pradesh safe?

Deposits at RBI-licensed co-operative banks are insured by DICGC up to ₹5 lakh per depositor per bank, the same cover as at any other bank. Co-operative banks are smaller, and their higher rates reflect that, so check the bank's standing and keep your deposits at each bank within the insured amount.

75 banks with a branch in Andhra Pradesh, ranked by their best fixed-deposit rate.

Banks in Andhra Pradesh, ranked by FD rate

General public · below ₹3 crore · Dataset refreshed 14 Nov 2026

#	Bank	Rate	Applies to	Branches here
1	The Maharaja Co-operative Urban Bank Ltd., Visakhapatnam Co-op	9.05%	93 months · Double money deposit	11
2	Proddatur Co-operative Town Bank Ltd. Co-op	9.00%	1826 days and above	4
3	Gayatri Co-operative Urban Bank Ltd., Jagtial Co-op	8.75%	3 years to less than 5 years	11
4	The Anantapuramu Cooperative Urban Bank Ltd. Co-op	8.25%	above 2 years to 3 years	–
5	The Eluri Co-operative Urban Bank Ltd. Co-op	8.15%	3 years to less than 4 years	6
6	Srikakulam District Central Co-operative Bank Co-op	8.10%	900 days (NAVATHI)	12
7	Ujjivan Small Finance Bank Small Finance	8.10%	3 year 1 day – 3 year 6 months	4
8	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	5
9	CSB Bank Private	8.00%	501 days · 501-day Special	109
10	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	13
11	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	3
12	The Aryapuram Co-operative Urban Bank Ltd. Co-op	8.00%	5 years and above	1
13	The Gandhi Co-operative Urban Bank Ltd., Vijayawada Co-op	8.00%	Above 2 years	12
14	The Gooty Co-operative Town Bank Ltd. Co-op	8.00%	above 3 years	8
15	The Guntur Co-operative Urban Bank Ltd. Co-op	8.00%	Above 3 years	–
16	The Kanaka Mahalakshmi Co-operative Bank Ltd., Visakhapatnam Co-op	8.00%	1 YEAR up to 3 YEARS	39
17	The Masulipatnam Co-operative Urban Bank Ltd. Co-op	8.00%	37 months to 60 months	–
18	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	1
19	DCB Bank Private	7.75%	17 months to 20 months	25
20	Equitas Small Finance Bank Small Finance	7.75%	888 days	50
21	The Andhra Bank Employees' Co-operative Bank Ltd. Co-op	7.75%	365 days	2
22	The Jampeta Co-operative Urban Bank Ltd., Rajahmundry Co-op	7.75%	3 years to less than 5 years	1
23	Visakhapatnam District Central Co-operative Bank Co-op	7.75%	1 to 3 years	3
24	The Chittoor Co-operative Town Bank Ltd. Co-op	7.70%	456 days · CCTB 456	2
25	Kadapa District Co-operative Central Bank Ltd. Co-op	7.65%	Exactly 1 year	4
26	Shree Mahayogi Lakshmamma Co-operative Bank Ltd., Adoni Co-op	7.60%	3 YEARS up to 5 YEARS	1
27	The Anantapur District Co-operative Central Bank Ltd. Co-op	7.60%	365 days	–
28	The Innespeta Co-operative Urban Bank Ltd., Rajahmundry Co-op	7.60%	1 year to 3 years	4
29	Eluru District Co-operative Central Bank Ltd. Co-op	7.50%	1 year to 2 years	6
30	Kakinada District Co-operative Central Bank Ltd. Co-op	7.50%	1 to 2 years	3
31	Krishna District Central Co-operative Bank Co-op	7.50%	3 years and above	58
32	Post Office Savings Schemes Government Scheme	7.50%	5 years	10491
33	The Andhra Pradesh Mahesh Co-operative Urban Bank Ltd. Co-op	7.50%	Above 2 years & upto 3 years	6
34	Bandhan Bank Private	7.45%	2 years to less than 3 years	27
35	Andhra Pradesh State Co-operative Bank Co-op	7.40%	271 to 364 days	333
36	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	99
37	City Union Bank Private	7.30%	556 days to 3 years	62
38	Nellore District Central Co-operative Bank Co-op	7.30%	444 days · Sahakara Nestham (444 days)	6
39	Chittoor District Co-operative Central Bank Ltd. Co-op	7.25%	1 to 2 years	14
40	Dhanlaxmi Bank Private	7.25%	1111 days · 1111-day Special	15
41	IDFC First Bank Private	7.25%	500 days – 2 years	40
42	IndusInd Bank Private	7.25%	2 years to 3 years	60
43	Karnataka Bank Private	7.25%	15 months only	48
44	Shamrao Vithal Co-operative Bank Ltd. Co-op	7.25%	14 months to below 16 months	5
45	Tamilnad Mercantile Bank Private	7.25%	567 days (TMB 567 Special Deposit scheme) · 567-day Special	34
46	The Cosmos Co-operative Bank Ltd. Co-op	7.25%	445 days	3
47	Yes Bank Private	7.25%	18 months 1 day < 24 months	42
48	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	162
49	The Kakinada Co-operative Town Bank Ltd. Co-op	7.20%	5 years and above	2
50	Andhra Pradesh Grameena Bank Rural	7.15%	444 days · SIRI 444 days	1364
51	Kurnool District Central Co-operative Bank Co-op	7.05%	1 year and above	6
52	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	140
53	Prakasam District Central Co-operative Bank Co-op	7.00%	1 to 2 years	5
54	RBL Bank Private	7.00%	18 months to less than 60 months	12
55	The Visakhapatnam Co-operative Bank Ltd. Co-op	7.00%	Above 2 year up to 3 years	–
56	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	22
57	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	330
58	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	171
59	Federal Bank Private	6.80%	18 months	43
60	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	328
61	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	128
62	Punjab National Bank Public	6.80%	680 days	169
63	South Indian Bank Private	6.80%	30 months	29
64	Canara Bank Public	6.75%	555 days ## · Canara 555	807
65	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	202
66	UCO Bank Public	6.70%	535 days · UCO 535	58
67	Bank of Maharashtra Public	6.65%	400 days · 400-day special	51
68	Axis Bank Private	6.60%	2 years < 3 years	219
69	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	425
70	ICICI Bank Private	6.60%	3 years 1 day to 5 years	280
71	Standard Chartered India Foreign	6.60%	1yr - 376days*	1
72	IDBI Bank Private	6.55%	1100 days · 1100-day Special	75
73	Union Bank of India Public	6.55%	555 days · 555-Day Special	1271
74	DBS Bank India Foreign	6.50%	501 days to 540 days	58
75	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	1569

State

Tenure

Deposit amount

75 banks we track have a branch in Andhra Pradesh. 34 of them are co-operative or regional rural banks, which often pay more than the big national banks. As of 14 Nov 2026, the highest FD rate here is 9.05% at The Maharaja Co-operative Urban Bank Ltd., Visakhapatnam.

Every rate comes from the bank's own page and is re-read daily. The table ranks each bank by its best rate for a general depositor below ₹3 crore; pick a tenure and amount in the filters to match your deposit. Deposits at these banks are covered by DICGC up to ₹5 lakh per depositor per bank. Branch counts come from RBI's IFSC list.

Best FD rate in Andhra Pradesh by type of bank

The highest rate in each group, among banks with a branch here.

Public	Central Bank of India	7.00%	2222 days
Private	CSB Bank	8.00%	501 days
Small Finance	Ujjivan Small Finance Bank	8.10%	3 year 1 day – 3 year 6 months
Rural	Andhra Pradesh Grameena Bank	7.15%	444 days
Co-op	Andhra Pradesh State Co-operative Bank	7.40%	271 to 364 days
Co-op	Srikakulam District Central Co-operative Bank	8.10%	900 days (NAVATHI)
Co-op	The Maharaja Co-operative Urban Bank Ltd., Visakhapatnam	9.05%	93 months
Foreign	Standard Chartered India	6.60%	1yr - 376days*
Government Scheme	Post Office Savings Schemes	7.50%	5 years

FD rates in the districts of Andhra Pradesh

Krishna51 banks8.75%East Godavari50 banks9.05%Guntur49 banks8.75%Visakhapatnam46 banks9.05%Chittoor43 banks8.10%Kurnool41 banks8.00%West Godavari40 banks8.75%Anantapur39 banks8.25%Kadapa37 banks9.00%

All places

Frequently Asked Questions

Which bank has the highest FD rate in Andhra Pradesh?

As of 14 Nov 2026, The Maharaja Co-operative Urban Bank Ltd., Visakhapatnam pays the highest FD rate among banks with a branch in Andhra Pradesh: 9.05% a year for general depositors. Next are Proddatur Town Bank at 9.00% and Gayatri Co-op Urban Bank at 8.75%. Confirm the current rate with the bank before you invest.

How many banks have a branch in Andhra Pradesh?

75 of the banks RateScan.in tracks have at least one branch in Andhra Pradesh, counted from RBI's IFSC list: 34 co-operative and regional rural banks, and 41 public, private, small finance and other banks.

Are FDs at co-operative banks in Andhra Pradesh safe?

Deposits at RBI-licensed co-operative banks are insured by DICGC up to ₹5 lakh per depositor per bank, the same cover as at any other bank. Co-operative banks are smaller, and their higher rates reflect that, so check the bank's standing and keep your deposits at each bank within the insured amount.

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