FD rates in Goa · November 2026

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

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

48 of the banks RateScan.in tracks have at least one branch in Goa, counted from RBI's IFSC list: 11 co-operative and regional rural banks, and 37 public, private, small finance and other banks.

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

48 banks with a branch in Goa, ranked by their best fixed-deposit rate.

Banks in Goa, 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	1
2	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	2
3	CSB Bank Private	8.00%	501 days · 501-day Special	4
4	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	1
5	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	6
6	DCB Bank Private	7.75%	17 months to 20 months	4
7	Post Office Savings Schemes Government Scheme	7.50%	5 years	257
8	Bandhan Bank Private	7.45%	2 years to less than 3 years	3
9	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	4
10	City Union Bank Private	7.30%	556 days to 3 years	1
11	Saraswat Co-operative Bank Ltd. Co-op	7.30%	730 days	11
12	Dhanlaxmi Bank Private	7.25%	1111 days · 1111-day Special	1
13	IDFC First Bank Private	7.25%	500 days – 2 years	7
14	IndusInd Bank Private	7.25%	2 years to 3 years	15
15	Karnataka Bank Private	7.25%	15 months only	7
16	Shamrao Vithal Co-operative Bank Ltd. Co-op	7.25%	14 months to below 16 months	2
17	The Goa Urban Co-operative Bank Ltd. Co-op	7.25%	18 months · FBLOSSOM Quarterly Payout Scheme	15
18	Yes Bank Private	7.25%	18 months 1 day < 24 months	9
19	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	2
20	Bicholim Urban Co-operative Bank Ltd. Co-op	7.00%	Above 12 months upto 24 months	11
21	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	30
22	Goa State Co-operative Bank Co-op	7.00%	1 year and above	58
23	NKGSB Co-operative Bank Ltd. Co-op	7.00%	15 months 01 day – less than 16 months	5
24	RBL Bank Private	7.00%	18 months to less than 60 months	8
25	The Women's Co-operative Bank Ltd., Panaji Co-op	7.00%	Above 12 months upto 24 months	–
26	TJSB Sahakari Bank Ltd. Co-op	7.00%	Above 24 months to 36 months	16
27	Apna Sahakari Bank Ltd. Co-op	6.90%	25 months to 36 months	1
28	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	2
29	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	58
30	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	51
31	Federal Bank Private	6.80%	18 months	7
32	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	8
33	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	9
34	Punjab National Bank Public	6.80%	680 days	21
35	South Indian Bank Private	6.80%	30 months	5
36	Canara Bank Public	6.75%	555 days ## · Canara 555	86
37	GP Parsik Sahakari Bank Ltd. Co-op	6.75%	Above 3 years to 5 years	3
38	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	29
39	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	1
40	UCO Bank Public	6.70%	535 days · UCO 535	11
41	Bank of Maharashtra Public	6.65%	400 days · 400-day special	27
42	Axis Bank Private	6.60%	2 years < 3 years	22
43	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	81
44	ICICI Bank Private	6.60%	3 years 1 day to 5 years	44
45	IDBI Bank Private	6.55%	1100 days · 1100-day Special	12
46	Union Bank of India Public	6.55%	555 days · 555-Day Special	67
47	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	95
48	Citizen Credit Co-operative Bank Ltd. Co-op	6.35%	999 days · FD999	5

State

Tenure

Deposit amount

48 banks we track have a branch in Goa. 11 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 Goa 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	Goa State Co-operative Bank	7.00%	1 year and above
Co-op	Saraswat Co-operative Bank Ltd.	7.30%	730 days
Government Scheme	Post Office Savings Schemes	7.50%	5 years

FD rates in the districts of Goa

North Goa46 banks8.10%South Goa42 banks8.10%

All places

Frequently Asked Questions

Which bank has the highest FD rate in Goa?

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

48 of the banks RateScan.in tracks have at least one branch in Goa, counted from RBI's IFSC list: 11 co-operative and regional rural banks, and 37 public, private, small finance and other banks.

Are FDs at co-operative banks in Goa 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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