FD rates in Bhopal · November 2026

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

As of 14 Nov 2026, Ujjivan Small Finance Bank pays the highest FD rate among banks with a branch in Bhopal: 8.10% a year for general depositors. Next are Utkarsh at 8.10% and CSB at 8.00%. Confirm the current rate with the bank before you invest.

Q: How many banks have a branch in Bhopal?

50 of the banks RateScan.in tracks have at least one branch in Bhopal, counted from RBI's IFSC list: 8 co-operative and regional rural banks, and 42 public, private, small finance and other banks.

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

50 banks with a branch in Bhopal, ranked by their best fixed-deposit rate.

Banks in Bhopal, 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	1
2	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	2
3	CSB Bank Private	8.00%	501 days · 501-day Special	4
4	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	2
5	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	9
6	Shivalik Small Finance Bank Small Finance	8.00%	23 months 1 day to 27 months	1
7	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	2
8	DCB Bank Private	7.75%	17 months to 20 months	2
9	Equitas Small Finance Bank Small Finance	7.75%	888 days	3
10	Post Office Savings Schemes Government Scheme	7.50%	5 years	133
11	Bandhan Bank Private	7.45%	2 years to less than 3 years	9
12	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	9
13	Mahanagar Nagrik Sahakari Bank Maryadit Co-op	7.35%	above 5 years	3
14	City Union Bank Private	7.30%	556 days to 3 years	2
15	Saraswat Co-operative Bank Ltd. Co-op	7.30%	730 days	1
16	Dhanlaxmi Bank Private	7.25%	1111 days · 1111-day Special	1
17	IDFC First Bank Private	7.25%	500 days – 2 years	8
18	IndusInd Bank Private	7.25%	2 years to 3 years	9
19	Karnataka Bank Private	7.25%	15 months only	2
20	Sadguru Nagari Sahakari Bank Maryadit, Bhopal Co-op	7.25%	1 years to less than 02 years	–
21	Shamrao Vithal Co-operative Bank Ltd. Co-op	7.25%	14 months to below 16 months	1
22	Yes Bank Private	7.25%	18 months 1 day < 24 months	8
23	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	1
24	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	21
25	RBL Bank Private	7.00%	18 months to less than 60 months	2
26	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	8
27	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	47
28	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	39
29	Bombay Mercantile Co-operative Bank Ltd. Co-op	6.80%	2 years to less than 3 years	1
30	Federal Bank Private	6.80%	18 months	2
31	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	30
32	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	12
33	Punjab National Bank Public	6.80%	680 days	65
34	South Indian Bank Private	6.80%	30 months	1
35	Canara Bank Public	6.75%	555 days ## · Canara 555	50
36	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	13
37	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	1
38	Madhya Pradesh Rajya Sahakari Bank Maryadit Co-op	6.75%	1 year to less than 3 years	–
39	UCO Bank Public	6.70%	535 days · UCO 535	16
40	Bank of Maharashtra Public	6.65%	400 days · 400-day special	15
41	Madhya Pradesh Gramin Bank Rural	6.65%	451 days · MPGB 451 days	11
42	Axis Bank Private	6.60%	2 years < 3 years	38
43	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	38
44	ICICI Bank Private	6.60%	3 years 1 day to 5 years	39
45	Standard Chartered India Foreign	6.60%	1yr - 376days*	1
46	IDBI Bank Private	6.55%	1100 days · 1100-day Special	11
47	Union Bank of India Public	6.55%	555 days · 555-Day Special	40
48	DBS Bank India Foreign	6.50%	501 days to 540 days	1
49	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	114
50	Krishna Mercantile Co-operative Bank Maryadit Co-op	6.00%	Above 2 years upto 3 years	–

State

Tenure

Deposit amount

50 banks we track have a branch in Bhopal. 8 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 Bhopal 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	Madhya Pradesh Gramin Bank	6.65%	451 days
Co-op	Madhya Pradesh Rajya Sahakari Bank Maryadit	6.75%	1 year to less than 3 years
Co-op	Mahanagar Nagrik Sahakari Bank Maryadit	7.35%	above 5 years
Foreign	Standard Chartered India	6.60%	1yr - 376days*
Government Scheme	Post Office Savings Schemes	7.50%	5 years

More places in Madhya Pradesh

Indore62 banks8.25%Ujjain41 banks8.10%

All of Madhya Pradesh · All places

Frequently Asked Questions

Which bank has the highest FD rate in Bhopal?

As of 14 Nov 2026, Ujjivan Small Finance Bank pays the highest FD rate among banks with a branch in Bhopal: 8.10% a year for general depositors. Next are Utkarsh at 8.10% and CSB at 8.00%. Confirm the current rate with the bank before you invest.

How many banks have a branch in Bhopal?

50 of the banks RateScan.in tracks have at least one branch in Bhopal, counted from RBI's IFSC list: 8 co-operative and regional rural banks, and 42 public, private, small finance and other banks.

Are FDs at co-operative banks in Bhopal 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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