FD rates in Dakshina Kannada · November 2026

Q: Which bank has the highest FD rate in Dakshina Kannada?

As of 14 Nov 2026, The Mahalakshmi Co-operative Bank Ltd. pays the highest FD rate among banks with a branch in Dakshina Kannada: 8.80% a year for general depositors. Next are Sri Bhagavathi Co-op Bank at 8.60% and Teachers' Co-op Bank, Udupi at 8.25%. Confirm the current rate with the bank before you invest.

Q: How many banks have a branch in Dakshina Kannada?

51 of the banks RateScan.in tracks have at least one branch in Dakshina Kannada, counted from RBI's IFSC list: 14 co-operative and regional rural banks, and 37 public, private, small finance and other banks.

Q: Are FDs at co-operative banks in Dakshina Kannada 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.

51 banks with a branch in Dakshina Kannada, ranked by their best fixed-deposit rate.

Banks in Dakshina Kannada, ranked by FD rate

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

#	Bank	Rate	Applies to	Branches here
1	The Mahalakshmi Co-operative Bank Ltd. Co-op	8.80%	Above 2 years	2
2	Sri Bhagavathi Co-operative Bank Ltd., Mangalore Co-op	8.60%	Above 3 years	1
3	Teachers' Co-operative Bank Ltd. Co-op	8.25%	444 days · Akshaya Deposit	6
4	Ujjivan Small Finance Bank Small Finance	8.10%	3 year 1 day – 3 year 6 months	3
5	CSB Bank Private	8.00%	501 days · 501-day Special	1
6	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	1
7	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	2
8	South Canara District Central Co-operative Bank Co-op	8.00%	1 year to less than 3 years	43
9	Sri Gokarnanath Co-operative Bank Ltd. Co-op	8.00%	366 days · 366-day deposit	12
10	Equitas Small Finance Bank Small Finance	7.75%	888 days	1
11	Dakshina Kannada Jilla Mahila Co-operative Bank (N) Co-op	7.60%	1 year	–
12	Post Office Savings Schemes Government Scheme	7.50%	5 years	471
13	The Mangalore Co-operative Town Bank Ltd. Co-op	7.50%	365 days · FDL deposit	5
14	Bandhan Bank Private	7.45%	2 years to less than 3 years	2
15	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	1
16	City Union Bank Private	7.30%	556 days to 3 years	1
17	Saraswat Co-operative Bank Ltd. Co-op	7.30%	730 days	4
18	IDFC First Bank Private	7.25%	500 days – 2 years	1
19	IndusInd Bank Private	7.25%	2 years to 3 years	4
20	Karnataka Bank Private	7.25%	15 months only	69
21	Shamrao Vithal Co-operative Bank Ltd. Co-op	7.25%	14 months to below 16 months	2
22	Tamilnad Mercantile Bank Private	7.25%	567 days (TMB 567 Special Deposit scheme) · 567-day Special	1
23	Yes Bank Private	7.25%	18 months 1 day < 24 months	4
24	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	1
25	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	4
26	NKGSB Co-operative Bank Ltd. Co-op	7.00%	15 months 01 day – less than 16 months	1
27	RBL Bank Private	7.00%	18 months to less than 60 months	2
28	The Bharat Co-operative Bank (Mumbai) Ltd. Co-op	7.00%	Above 15 months to 2 years	8
29	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	1
30	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	96
31	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	6
32	Federal Bank Private	6.80%	18 months	12
33	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	7
34	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	5
35	Punjab National Bank Public	6.80%	680 days	7
36	South Indian Bank Private	6.80%	30 months	6
37	Canara Bank Public	6.75%	555 days ## · Canara 555	167
38	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	20
39	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	1
40	Karnataka Grameena Bank Rural	6.75%	KGB-NIDHI (555 days)* · KGB-NIDHI 555 days	25
41	UCO Bank Public	6.70%	535 days · UCO 535	3
42	Bank of Maharashtra Public	6.65%	400 days · 400-day special	10
43	Axis Bank Private	6.60%	2 years < 3 years	19
44	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	27
45	ICICI Bank Private	6.60%	3 years 1 day to 5 years	16
46	Abhyudaya Co-operative Bank Ltd. Co-op	6.55%	Above 24 months to 36 months	1
47	IDBI Bank Private	6.55%	1100 days · 1100-day Special	3
48	Union Bank of India Public	6.55%	555 days · 555-Day Special	74
49	DBS Bank India Foreign	6.50%	501 days to 540 days	3
50	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	73
51	The Bhatkal Urban Co-operative Bank Ltd. Co-op	6.45%	444 days · 444-day deposit	1

State

Tenure

Deposit amount

51 banks we track have a branch in Dakshina Kannada. 14 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 8.80% at The Mahalakshmi Co-operative Bank Ltd..

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 Dakshina Kannada 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	Karnataka Grameena Bank	6.75%	KGB-NIDHI (555 days)*
Co-op	South Canara District Central Co-operative Bank	8.00%	1 year to less than 3 years
Co-op	The Mahalakshmi Co-operative Bank Ltd.	8.80%	Above 2 years
Foreign	DBS Bank India	6.50%	501 days to 540 days
Government Scheme	Post Office Savings Schemes	7.50%	5 years

Frequently Asked Questions

Which bank has the highest FD rate in Dakshina Kannada?

As of 14 Nov 2026, The Mahalakshmi Co-operative Bank Ltd. pays the highest FD rate among banks with a branch in Dakshina Kannada: 8.80% a year for general depositors. Next are Sri Bhagavathi Co-op Bank at 8.60% and Teachers' Co-op Bank, Udupi at 8.25%. Confirm the current rate with the bank before you invest.

How many banks have a branch in Dakshina Kannada?

51 of the banks RateScan.in tracks have at least one branch in Dakshina Kannada, counted from RBI's IFSC list: 14 co-operative and regional rural banks, and 37 public, private, small finance and other banks.

Are FDs at co-operative banks in Dakshina Kannada 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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Banks in Dakshina Kannada, ranked by FD rate

Best FD rate in Dakshina Kannada by type of bank

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