FD rates in Bihar · November 2026

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

As of 14 Nov 2026, Ujjivan Small Finance Bank pays the highest FD rate among banks with a branch in Bihar: 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 Bihar?

57 of the banks RateScan.in tracks have at least one branch in Bihar, counted from RBI's IFSC list: 19 co-operative and regional rural banks, and 38 public, private, small finance and other banks.

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

57 banks with a branch in Bihar, ranked by their best fixed-deposit rate.

Banks in Bihar, 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	76
2	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	277
3	CSB Bank Private	8.00%	501 days · 501-day Special	7
4	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	18
5	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	34
6	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	26
7	The Eastern Railway Employees' Co-operative Bank Ltd. Co-op	7.90%	1111 days (Sanchay Samriddhi)	2
8	DCB Bank Private	7.75%	17 months to 20 months	14
9	Begusarai District Central Co-operative Bank Ltd. Co-op	7.50%	2 to 3 years	–
10	Post Office Savings Schemes Government Scheme	7.50%	5 years	9114
11	The Tapindu Urban Co-operative Bank Ltd. Co-op	7.50%	1 year to less than 3 years	–
12	Bandhan Bank Private	7.45%	2 years to less than 3 years	138
13	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	66
14	City Union Bank Private	7.30%	556 days to 3 years	1
15	District Central Co-operative Bank Ltd., Khagaria Co-op	7.25%	365 days · 365-day deposit	–
16	IDFC First Bank Private	7.25%	500 days – 2 years	13
17	IndusInd Bank Private	7.25%	2 years to 3 years	38
18	Karnataka Bank Private	7.25%	15 months only	1
19	Rohika District Central Co-operative Bank Co-op	7.25%	555 days (Dhan Vridhi)	14
20	Yes Bank Private	7.25%	18 months 1 day < 24 months	10
21	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	1
22	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	438
23	District Central Co-operative Bank Ltd., Katihar Co-op	7.00%	1 year to less than 2 years	7
24	Magadh District Central Co-operative Bank Co-op	7.00%	1 to 2 years	9
25	RBL Bank Private	7.00%	18 months to less than 60 months	6
26	Siwan District Central Co-operative Bank Co-op	7.00%	1 year to less than 2 years	–
27	The Bhagalpur Central Co-operative Bank Ltd. Co-op	7.00%	2 to 3 years	–
28	Nalanda District Central Co-operative Bank Co-op	6.90%	1 year to less than 2 years	9
29	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	34
30	The Bihar State Co-operative Bank Co-op	6.90%	444 days · Dhan Laxmi Deposits	–
31	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	384
32	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	356
33	Bombay Mercantile Co-operative Bank Ltd. Co-op	6.80%	2 years to less than 3 years	1
34	Federal Bank Private	6.80%	18 months	11
35	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	305
36	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	32
37	Punjab National Bank Public	6.80%	680 days	733
38	South Indian Bank Private	6.80%	30 months	2
39	Canara Bank Public	6.75%	555 days ## · Canara 555	383
40	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	88
41	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	1
42	Nawada District Central Co-operative Bank Co-op	6.75%	1 year to less than 2 years	–
43	UCO Bank Public	6.70%	535 days · UCO 535	248
44	Bank of Maharashtra Public	6.65%	400 days · 400-day special	68
45	Patliputra District Central Co-operative Bank Co-op	6.65%	1 to 2 years	6
46	Axis Bank Private	6.60%	2 years < 3 years	167
47	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	211
48	ICICI Bank Private	6.60%	3 years 1 day to 5 years	181
49	Standard Chartered India Foreign	6.60%	1yr - 376days*	1
50	Bihar Gramin Bank Rural	6.55%	1 year	–
51	IDBI Bank Private	6.55%	1100 days · 1100-day Special	83
52	Union Bank of India Public	6.55%	555 days · 555-Day Special	259
53	Gopalganj District Central Co-operative Bank Ltd. Co-op	6.50%	1 year to less than 2 years	17
54	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	1071
55	Motihari District Central Co-operative Bank Co-op	6.30%	1 year to Less than 2 years	–
56	Sitamarhi District Central Co-operative Bank Co-op	5.50%	2 to 5 years	–
57	Munger District Central Co-operative Bank Co-op	5.00%	03 year to 10 year	18

State

Tenure

Deposit amount

57 banks we track have a branch in Bihar. 19 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 Bihar 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	Bihar Gramin Bank	6.55%	1 year
Co-op	The Bihar State Co-operative Bank	6.90%	444 days
Co-op	Begusarai District Central Co-operative Bank Ltd.	7.50%	2 to 3 years
Co-op	The Eastern Railway Employees' Co-operative Bank Ltd.	7.90%	1111 days (Sanchay Samriddhi)
Foreign	Standard Chartered India	6.60%	1yr - 376days*
Government Scheme	Post Office Savings Schemes	7.50%	5 years

FD rates in the districts of Bihar

Patna44 banks8.10%

All places

Frequently Asked Questions

Which bank has the highest FD rate in Bihar?

As of 14 Nov 2026, Ujjivan Small Finance Bank pays the highest FD rate among banks with a branch in Bihar: 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 Bihar?

57 of the banks RateScan.in tracks have at least one branch in Bihar, counted from RBI's IFSC list: 19 co-operative and regional rural banks, and 38 public, private, small finance and other banks.

Are FDs at co-operative banks in Bihar 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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