FD rates in Ernakulam · November 2026

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

As of 14 Nov 2026, The Alwaye Urban Co-operative Bank Ltd. pays the highest FD rate among banks with a branch in Ernakulam: 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 Ernakulam?

51 of the banks RateScan.in tracks have at least one branch in Ernakulam, counted from RBI's IFSC list: 6 co-operative and regional rural banks, and 45 public, private, small finance and other banks.

Q: Are FDs at co-operative banks in Ernakulam 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 Ernakulam, ranked by their best fixed-deposit rate.

Banks in Ernakulam, ranked by FD rate

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

#	Bank	Rate	Applies to	Branches here
1	The Alwaye Urban Co-operative Bank Ltd. Co-op	8.25%	1 year to less than 2 years	8
2	Ujjivan Small Finance Bank Small Finance	8.10%	3 year 1 day – 3 year 6 months	3
3	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	2
4	CSB Bank Private	8.00%	501 days · 501-day Special	57
5	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	25
6	The Peoples' Urban Co-operative Bank Ltd., Tripunithura Co-op	8.00%	555 days · 555-day deposit	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	1
9	Equitas Small Finance Bank Small Finance	7.75%	888 days	1
10	The Mattancherry Sarvajanik Co-operative Bank Ltd. Co-op	7.72%	1826 days to 3650 days	2
11	Post Office Savings Schemes Government Scheme	7.50%	5 years	393
12	Bandhan Bank Private	7.45%	2 years to less than 3 years	7
13	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	4
14	City Union Bank Private	7.30%	556 days to 3 years	6
15	Dhanlaxmi Bank Private	7.25%	1111 days · 1111-day Special	22
16	IDFC First Bank Private	7.25%	500 days – 2 years	8
17	IndusInd Bank Private	7.25%	2 years to 3 years	29
18	Karnataka Bank Private	7.25%	15 months only	3
19	Tamilnad Mercantile Bank Private	7.25%	567 days (TMB 567 Special Deposit scheme) · 567-day Special	3
20	The Muvattupuzha Urban Co-operative Bank Ltd. Co-op	7.25%	1 year to less than 2 years	13
21	Yes Bank Private	7.25%	18 months 1 day < 24 months	12
22	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	7
23	Doha Bank Q.P.S.C. (India) Foreign	7.15%	400 days	1
24	Kerala Gramin Bank Rural	7.10%	444 days · KGB 444 days	33
25	Kerala State Co-operative Bank Co-op	7.10%	1 year to below 2 years	65
26	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	13
27	RBL Bank Private	7.00%	18 months to less than 60 months	8
28	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	1
29	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	55
30	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	34
31	Federal Bank Private	6.80%	18 months	122
32	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	26
33	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	15
34	Punjab National Bank Public	6.80%	680 days	33
35	South Indian Bank Private	6.80%	30 months	78
36	Canara Bank Public	6.75%	555 days ## · Canara 555	89
37	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	19
38	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	1
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	Axis Bank Private	6.60%	2 years < 3 years	39
42	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	81
43	ICICI Bank Private	6.60%	3 years 1 day to 5 years	47
44	Standard Chartered India Foreign	6.60%	1yr - 376days*	2
45	IDBI Bank Private	6.55%	1100 days · 1100-day Special	15
46	Union Bank of India Public	6.55%	555 days · 555-Day Special	103
47	Bank of Bahrain & Kuwait B.S.C. (India) Foreign	6.50%	Above 1 year to 2 years	1
48	DBS Bank India Foreign	6.50%	501 days to 540 days	2
49	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	188
50	HSBC India Foreign	6.40%	37 months to less than 48 months	1
51	Citibank N.A. (India) Foreign	2.00%	46 days to 60 days	1

State

Tenure

Deposit amount

51 banks we track have a branch in Ernakulam. 6 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 The Alwaye Urban 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 Ernakulam 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	Kerala Gramin Bank	7.10%	444 days
Co-op	Kerala State Co-operative Bank	7.10%	1 year to below 2 years
Co-op	The Alwaye Urban Co-operative Bank Ltd.	8.25%	1 year to less than 2 years
Foreign	Doha Bank Q.P.S.C. (India)	7.15%	400 days
Government Scheme	Post Office Savings Schemes	7.50%	5 years

More places in Kerala

Kottayam46 banks8.10%Palakkad42 banks8.10%Kannur40 banks8.10%Malappuram39 banks8.10%

All of Kerala · All places

Frequently Asked Questions

Which bank has the highest FD rate in Ernakulam?

As of 14 Nov 2026, The Alwaye Urban Co-operative Bank Ltd. pays the highest FD rate among banks with a branch in Ernakulam: 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 Ernakulam?

51 of the banks RateScan.in tracks have at least one branch in Ernakulam, counted from RBI's IFSC list: 6 co-operative and regional rural banks, and 45 public, private, small finance and other banks.

Are FDs at co-operative banks in Ernakulam 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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