FD rates in Bhavnagar · November 2026
45 banks with a branch in Bhavnagar, ranked by their best fixed-deposit rate.
Banks in Bhavnagar, ranked by FD rate
General public · below ₹3 crore · Dataset refreshed 14 Nov 2026
| # | Bank | Rate | Applies to | Branches here |
|---|---|---|---|---|
| 1 | Ujjivan Small Finance Bank
Small Finance  |
8.10% | 3 year 1 day – 3 year 6 months | 2 |
| 2 | CSB Bank
Private |
8.00% | 501 days · 501-day Special | 2 |
| 3 | ESAF Small Finance Bank
Small Finance |
8.00% | 800 days · 800-day Special | 1 |
| 4 | Jana Small Finance Bank
Small Finance |
8.00% | 3 years (1095 days) | 3 |
| 5 | DCB Bank
Private |
7.75% | 17 months to 20 months | 1 |
| 6 | Equitas Small Finance Bank
Small Finance |
7.75% | 888 days | 4 |
| 7 | Post Office Savings Schemes
Government Scheme |
7.50% | 5 years | 409 |
| 8 | Bandhan Bank
Private |
7.45% | 2 years to less than 3 years | 2 |
| 9 | AU Small Finance Bank
Small Finance |
7.40% | 30 months 1 day to 36 months | 3 |
| 10 | City Union Bank
Private |
7.30% | 556 days to 3 years | 1 |
| 11 | IDFC First Bank
Private |
7.25% | 500 days – 2 years | 3 |
| 12 | IndusInd Bank
Private |
7.25% | 2 years to 3 years | 2 |
| 13 | Karnataka Bank
Private |
7.25% | 15 months only | 1 |
| 14 | Tamilnad Mercantile Bank
Private |
7.25% | 567 days (TMB 567 Special Deposit scheme) · 567-day Special | 1 |
| 15 | 7.25% | 2 years and above | 76 | |
| 16 | 7.25% | 445 days | 1 | |
| 17 | Yes Bank
Private |
7.25% | 18 months 1 day < 24 months | 1 |
| 18 | Central Bank of India
Public |
7.00% | 2222 days · Cent Green Deposit | 11 |
| 19 | 7.00% | 2 to 3 years | 1 | |
| 20 | RBL Bank
Private |
7.00% | 18 months to less than 60 months | 1 |
| 21 | 7.00% | 1 years to 5 years | 8 | |
| 22 | Punjab & Sind Bank
Public |
6.90% | 500 days · 500-Day Special | 2 |
| 23 | Bank of Baroda
Public |
6.85% | bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days | 44 |
| 24 | Bank of India
Public |
6.85% | 500 days(BOI Akshay Fixed Deposit) · 500-day Special | 17 |
| 25 | Federal Bank
Private |
6.80% | 18 months | 1 |
| 26 | Indian Bank
Public |
6.80% | IND GROW (555 days) · IND GROW | 3 |
| 27 | Kotak Mahindra Bank
Private |
6.80% | 2 years- less than 3 years | 4 |
| 28 | Punjab National Bank
Public |
6.80% | 680 days | 8 |
| 29 | South Indian Bank
Private |
6.80% | 30 months | 1 |
| 30 | Canara Bank
Public |
6.75% | 555 days ## · Canara 555 | 5 |
| 31 | 6.75% | 2 year upto 5 year | 1 | |
| 32 | Gujarat Gramin Bank
Rural |
6.75% | Udan for 444 days · GGB Udan 444 days | – |
| 33 | Indian Overseas Bank
Public |
6.75% | 444 days · 444-day Special | 3 |
| 34 | 6.75% | Above 2 year | 1 | |
| 35 | UCO Bank
Public |
6.70% | 535 days · UCO 535 | 2 |
| 36 | Bank of Maharashtra
Public |
6.65% | 400 days · 400-day special | 3 |
| 37 | Axis Bank
Private |
6.60% | 2 years < 3 years | 21 |
| 38 | HDFC Bank
Private |
6.60% | 3 years 1 day to < 4 years 7 months | 24 |
| 39 | ICICI Bank
Private |
6.60% | 3 years 1 day to 5 years | 23 |
| 40 | IDBI Bank
Private |
6.55% | 1100 days · 1100-day Special | 2 |
| 41 | Union Bank of India
Public |
6.55% | 555 days · 555-Day Special | 12 |
| 42 | 6.50% | 1 year and above | 5 | |
| 43 | 6.50% | 12 months and above | 2 | |
| 44 | State Bank of India
Public |
6.45% | 444 days (Amrit Vrishti) · Amrit Vrishti 444 days | 84 |
| 45 | 6.00% | 1 year to less than 3 year | 1 |
45 banks we track have a branch in Bhavnagar. 10 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 8.10% at Ujjivan Small Finance Bank.
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 Bhavnagar 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 | Gujarat Gramin Bank | 6.75% | Udan for 444 days |
| Co-op | The Bhavnagar District Co-operative Bank Ltd. | 7.25% | 2 years and above |
| Co-op | The Cosmos Co-operative Bank Ltd. | 7.25% | 445 days |
| Government Scheme | Post Office Savings Schemes | 7.50% | 5 years |
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Frequently Asked Questions
Which bank has the highest FD rate in Bhavnagar?
As of 14 Nov 2026, Ujjivan Small Finance Bank pays the highest FD rate among banks with a branch in Bhavnagar: 8.10% a year for general depositors. Next are CSB at 8.00% and ESAF at 8.00%. Confirm the current rate with the bank before you invest.
How many banks have a branch in Bhavnagar?
45 of the banks RateScan.in tracks have at least one branch in Bhavnagar, counted from RBI's IFSC list: 10 co-operative and regional rural banks, and 35 public, private, small finance and other banks.
Are FDs at co-operative banks in Bhavnagar 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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