FD rates in Dharwad · November 2026

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

As of 14 Nov 2026, SUCO Souharda Sahakari Bank Ltd. pays the highest FD rate among banks with a branch in Dharwad: 8.25% a year for general depositors. Next are Ujjivan at 8.10% and Utkarsh at 8.10%. Confirm the current rate with the bank before you invest.

Q: How many banks have a branch in Dharwad?

54 of the banks RateScan.in tracks have at least one branch in Dharwad, counted from RBI's IFSC list: 15 co-operative and regional rural banks, and 39 public, private, small finance and other banks.

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

54 banks with a branch in Dharwad, ranked by their best fixed-deposit rate.

Banks in Dharwad, ranked by FD rate

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

#	Bank	Rate	Applies to	Branches here
1	SUCO Souharda Sahakari Bank Ltd. Co-op	8.25%	Above 16 months up to 24 months	3
2	Ujjivan Small Finance Bank Small Finance	8.10%	3 year 1 day – 3 year 6 months	2
3	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	1
4	CSB Bank Private	8.00%	501 days · 501-day Special	2
5	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	1
6	Hubli Urban Co-operative Bank Ltd. Co-op	8.00%	84 months · Urban Lakhapati Deposit	8
7	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	3
8	Shri Basaveshwar Sahakari Bank Niyamita, Bagalkot Co-op	8.00%	3 years and above	1
9	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	2
10	DCB Bank Private	7.75%	17 months to 20 months	1
11	Equitas Small Finance Bank Small Finance	7.75%	888 days	5
12	Karnataka Central Co-operative Bank Ltd., Dharwad Co-op	7.75%	365 days to 365 days	–
13	Rani Channamma Mahila Sahakari Bank Niyamit, Belagavi Co-op	7.75%	2 years	1
14	Post Office Savings Schemes Government Scheme	7.50%	5 years	213
15	The Raddi Sahakara Bank Niyamitha, Dharwad Co-op	7.50%	555 days · Ujjwal Bhavishya deposit (centenary, 555 days)	5
16	Vikas Souharda Co-operative Bank Ltd. Co-op	7.50%	1 year to 2 years	1
17	Bandhan Bank Private	7.45%	2 years to less than 3 years	4
18	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	3
19	City Union Bank Private	7.30%	556 days to 3 years	2
20	Saraswat Co-operative Bank Ltd. Co-op	7.30%	730 days	2
21	IDFC First Bank Private	7.25%	500 days – 2 years	4
22	IndusInd Bank Private	7.25%	2 years to 3 years	3
23	Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd. Co-op	7.25%	5 to 10 years · Tax Saving Deposit Scheme	1
24	Karnataka Bank Private	7.25%	15 months only	21
25	Shamrao Vithal Co-operative Bank Ltd. Co-op	7.25%	14 months to below 16 months	4
26	Tamilnad Mercantile Bank Private	7.25%	567 days (TMB 567 Special Deposit scheme) · 567-day Special	1
27	Yes Bank Private	7.25%	18 months 1 day < 24 months	3
28	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	2
29	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	4
30	NKGSB Co-operative Bank Ltd. Co-op	7.00%	15 months 01 day – less than 16 months	2
31	RBL Bank Private	7.00%	18 months to less than 60 months	2
32	The Bharat Co-operative Bank (Mumbai) Ltd. Co-op	7.00%	Above 15 months to 2 years	1
33	The Sirsi Urban Sahakari Bank Ltd. Co-op	7.00%	12 months upto 399 days	1
34	TJSB Sahakari Bank Ltd. Co-op	7.00%	Above 24 months to 36 months	1
35	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	1
36	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	33
37	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	8
38	Federal Bank Private	6.80%	18 months	3
39	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	4
40	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	6
41	Punjab National Bank Public	6.80%	680 days	6
42	South Indian Bank Private	6.80%	30 months	1
43	Canara Bank Public	6.75%	555 days ## · Canara 555	65
44	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	8
45	Karnataka Grameena Bank Rural	6.75%	KGB-NIDHI (555 days)* · KGB-NIDHI 555 days	74
46	UCO Bank Public	6.70%	535 days · UCO 535	3
47	Bank of Maharashtra Public	6.65%	400 days · 400-day special	6
48	Axis Bank Private	6.60%	2 years < 3 years	9
49	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	10
50	ICICI Bank Private	6.60%	3 years 1 day to 5 years	7
51	IDBI Bank Private	6.55%	1100 days · 1100-day Special	7
52	Union Bank of India Public	6.55%	555 days · 555-Day Special	22
53	DBS Bank India Foreign	6.50%	501 days to 540 days	2
54	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	58

State

Tenure

Deposit amount

54 banks we track have a branch in Dharwad. 15 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 8.25% at SUCO Souharda Sahakari 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 Dharwad 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	Karnataka Central Co-operative Bank Ltd., Dharwad	7.75%	365 days to 365 days
Co-op	SUCO Souharda Sahakari Bank Ltd.	8.25%	Above 16 months up to 24 months
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 Dharwad?

As of 14 Nov 2026, SUCO Souharda Sahakari Bank Ltd. pays the highest FD rate among banks with a branch in Dharwad: 8.25% a year for general depositors. Next are Ujjivan at 8.10% and Utkarsh at 8.10%. Confirm the current rate with the bank before you invest.

How many banks have a branch in Dharwad?

54 of the banks RateScan.in tracks have at least one branch in Dharwad, counted from RBI's IFSC list: 15 co-operative and regional rural banks, and 39 public, private, small finance and other banks.

Are FDs at co-operative banks in Dharwad 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 Dharwad, ranked by FD rate

Best FD rate in Dharwad by type of bank

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