FD rates in Assam · November 2026

Q: Which bank has the highest FD rate in Assam?

As of 14 Nov 2026, Konoklota Mahila Urban Co-operative Bank Ltd., Jorhat pays the highest FD rate among banks with a branch in Assam: 8.25% a year for general depositors. Next are Ujjivan at 8.10% and Utkarsh at 8.10%. Confirm the current rate with the bank before you invest.

Q: How many banks have a branch in Assam?

38 of the banks RateScan.in tracks have at least one branch in Assam, counted from RBI's IFSC list: 4 co-operative and regional rural banks, and 34 public, private, small finance and other banks.

Q: Are FDs at co-operative banks in Assam 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.

38 banks with a branch in Assam, ranked by their best fixed-deposit rate.

Banks in Assam, ranked by FD rate

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

#	Bank	Rate	Applies to	Branches here
1	Konoklota Mahila Urban Co-operative Bank Ltd., Jorhat Co-op	8.25%	3 years and above	1
2	Ujjivan Small Finance Bank Small Finance	8.10%	3 year 1 day – 3 year 6 months	17
3	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	2
4	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	6
5	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	13
6	Slice Small Finance Bank Small Finance	7.75%	1.5 years 1 day - 2 years	168
7	Post Office Savings Schemes Government Scheme	7.50%	5 years	4023
8	Bandhan Bank Private	7.45%	2 years to less than 3 years	110
9	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	2
10	IDFC First Bank Private	7.25%	500 days – 2 years	7
11	IndusInd Bank Private	7.25%	2 years to 3 years	30
12	Karnataka Bank Private	7.25%	15 months only	2
13	Tamilnad Mercantile Bank Private	7.25%	567 days (TMB 567 Special Deposit scheme) · 567-day Special	1
14	Yes Bank Private	7.25%	18 months 1 day < 24 months	13
15	The Nagarik Samabay Bank Ltd., Guwahati Co-op	7.10%	above 3 years to 10 years	1
16	Assam Gramin Vikash Bank Rural	7.00%	3 years to less than equal to 5 years	–
17	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	122
18	RBL Bank Private	7.00%	18 months to less than 60 months	1
19	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	25
20	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	92
21	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	59
22	Federal Bank Private	6.80%	18 months	18
23	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	117
24	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	8
25	Punjab National Bank Public	6.80%	680 days	363
26	South Indian Bank Private	6.80%	30 months	2
27	Assam Co-operative Apex Bank Co-op	6.75%	455 days	14
28	Canara Bank Public	6.75%	555 days ## · Canara 555	146
29	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	33
30	UCO Bank Public	6.70%	535 days · UCO 535	153
31	Bank of Maharashtra Public	6.65%	400 days · 400-day special	32
32	Axis Bank Private	6.60%	2 years < 3 years	135
33	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	143
34	ICICI Bank Private	6.60%	3 years 1 day to 5 years	140
35	Standard Chartered India Foreign	6.60%	1yr - 376days*	1
36	IDBI Bank Private	6.55%	1100 days · 1100-day Special	41
37	Union Bank of India Public	6.55%	555 days · 555-Day Special	97
38	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	451

State

Tenure

Deposit amount

38 banks we track have a branch in Assam. 4 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 8.25% at Konoklota Mahila Urban Co-operative Bank Ltd., Jorhat.

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 Assam 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	Bandhan Bank	7.45%	2 years to less than 3 years
Small Finance	Ujjivan Small Finance Bank	8.10%	3 year 1 day – 3 year 6 months
Rural	Assam Gramin Vikash Bank	7.00%	3 years to less than equal to 5 years
Co-op	Assam Co-operative Apex Bank	6.75%	455 days
Co-op	Konoklota Mahila Urban Co-operative Bank Ltd., Jorhat	8.25%	3 years and above
Foreign	Standard Chartered India	6.60%	1yr - 376days*
Government Scheme	Post Office Savings Schemes	7.50%	5 years

All places

Frequently Asked Questions

Which bank has the highest FD rate in Assam?

As of 14 Nov 2026, Konoklota Mahila Urban Co-operative Bank Ltd., Jorhat pays the highest FD rate among banks with a branch in Assam: 8.25% a year for general depositors. Next are Ujjivan at 8.10% and Utkarsh at 8.10%. Confirm the current rate with the bank before you invest.

How many banks have a branch in Assam?

38 of the banks RateScan.in tracks have at least one branch in Assam, counted from RBI's IFSC list: 4 co-operative and regional rural banks, and 34 public, private, small finance and other banks.

Are FDs at co-operative banks in Assam 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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