FD rates in Chandigarh · November 2026

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

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

47 of the banks RateScan.in tracks have at least one branch in Chandigarh, counted from RBI's IFSC list: 4 co-operative and regional rural banks, and 43 public, private, small finance and other banks.

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

47 banks with a branch in Chandigarh, ranked by their best fixed-deposit rate.

Banks in Chandigarh, 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	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	3
3	CSB Bank Private	8.00%	501 days · 501-day Special	2
4	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	1
5	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	1
6	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	4
7	Equitas Small Finance Bank Small Finance	7.75%	888 days	1
8	Post Office Savings Schemes Government Scheme	7.50%	5 years	56
9	Bandhan Bank Private	7.45%	2 years to less than 3 years	6
10	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	5
11	City Union Bank Private	7.30%	556 days to 3 years	1
12	Saraswat Co-operative Bank Ltd. Co-op	7.30%	730 days	1
13	Capital Small Finance Bank Small Finance	7.25%	600 days	2
14	Dhanlaxmi Bank Private	7.25%	1111 days · 1111-day Special	1
15	IDFC First Bank Private	7.25%	500 days – 2 years	6
16	IndusInd Bank Private	7.25%	2 years to 3 years	15
17	Karnataka Bank Private	7.25%	15 months only	2
18	Yes Bank Private	7.25%	18 months 1 day < 24 months	13
19	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	1
20	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	11
21	RBL Bank Private	7.00%	18 months to less than 60 months	4
22	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	29
23	The Punjab State Cooperative Bank Ltd. Co-op	6.90%	1 year	–
24	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	18
25	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	10
26	Federal Bank Private	6.80%	18 months	4
27	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	11
28	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	13
29	Punjab National Bank Public	6.80%	680 days	60
30	South Indian Bank Private	6.80%	30 months	1
31	The Haryana State Co-operative Apex Bank Co-op	6.80%	3 years and above	1
32	Canara Bank Public	6.75%	555 days ## · Canara 555	30
33	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	9
34	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	1
35	UCO Bank Public	6.70%	535 days · UCO 535	11
36	Bank of Maharashtra Public	6.65%	400 days · 400-day special	9
37	Axis Bank Private	6.60%	2 years < 3 years	26
38	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	29
39	ICICI Bank Private	6.60%	3 years 1 day to 5 years	35
40	Standard Chartered India Foreign	6.60%	1yr - 376days*	1
41	IDBI Bank Private	6.55%	1100 days · 1100-day Special	10
42	Union Bank of India Public	6.55%	555 days · 555-Day Special	26
43	DBS Bank India Foreign	6.50%	501 days to 540 days	1
44	The Chandigarh State Co-operative Bank Co-op	6.50%	1 year to less than 2 years	–
45	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	70
46	HSBC India Foreign	6.40%	37 months to less than 48 months	1
47	Citibank N.A. (India) Foreign	2.00%	46 days to 60 days	1

State

Tenure

Deposit amount

47 banks we track have a branch in Chandigarh. 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 8.10% 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 Chandigarh 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
Co-op	The Punjab State Cooperative Bank Ltd.	6.90%	1 year
Co-op	Saraswat Co-operative Bank Ltd.	7.30%	730 days
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 Chandigarh?

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

47 of the banks RateScan.in tracks have at least one branch in Chandigarh, counted from RBI's IFSC list: 4 co-operative and regional rural banks, and 43 public, private, small finance and other banks.

Are FDs at co-operative banks in Chandigarh 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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