FD rates in Gujarat · November 2026
216 banks with a branch in Gujarat, ranked by their best fixed-deposit rate.
Banks in Gujarat, ranked by FD rate
General public · below ₹3 crore · Dataset refreshed 14 Nov 2026
| # | Bank | Rate | Applies to | Branches here |
|---|---|---|---|---|
| 1 | 8.50% | 366 days to 730 days | 1 | |
| 2 | Suryoday Small Finance Bank
Small Finance  |
8.25% | 5 years | 2 |
| 3 | Ujjivan Small Finance Bank
Small Finance |
8.10% | 3 year 1 day – 3 year 6 months | 60 |
| 4 | Utkarsh Small Finance Bank
Small Finance |
8.10% | 666 days · 666-day Special | 19 |
| 5 | 8.01% | 1826 days and above | 3 | |
| 6 | 8.00% | 13 months · Dhan Varsha | 4 | |
| 7 | CSB Bank
Private |
8.00% | 501 days · 501-day Special | 25 |
| 8 | ESAF Small Finance Bank
Small Finance |
8.00% | 800 days · 800-day Special | 11 |
| 9 | 8.00% | 365 DAYS TO 36 MONTH | 9 | |
| 10 | 8.00% | 1 year to 2 years | 2 | |
| 11 | Jana Small Finance Bank
Small Finance |
8.00% | 3 years (1095 days) | 65 |
| 12 | Shivalik Small Finance Bank
Small Finance |
8.00% | 23 months 1 day to 27 months | 1 |
| 13 | 8.00% | From 1096 days to 2555 days | 9 | |
| 14 | 8.00% | 36 months · 36-month deposit | 1 | |
| 15 | 8.00% | 666 days · Riddhi Siddhi Deposit Scheme | 13 | |
| 16 | 8.00% | 3232 days · Dhanlaxmi Bachat Yojana | 31 | |
| 17 | Unity Small Finance Bank
Small Finance |
8.00% | 501 days · 501-day Special | 17 |
| 18 | 7.85% | 1 year up to less than 2 year | 14 | |
| 19 | 7.80% | 786 days · Special scheme 786 days | – | |
| 20 | DCB Bank
Private |
7.75% | 17 months to 20 months | 36 |
| 21 | Equitas Small Finance Bank
Small Finance |
7.75% | 888 days | 63 |
| 22 | 7.75% | 1111 days · 1111 days special scheme | 12 | |
| 23 | 7.75% | 3 years | 6 | |
| 24 | 7.61% | Above 5 years · Finco Akshay | 7 | |
| 25 | 7.60% | 37 months | 5 | |
| 26 | 7.60% | 3 to 5 years | 14 | |
| 27 | 7.55% | For 13 months · Special Rate | 8 | |
| 28 | 7.50% | Above 12 months to 24 months | 5 | |
| 29 | 7.50% | Above 3 year | 2 | |
| 30 | 7.50% | 37 months and Above | 2 | |
| 31 | Post Office Savings Schemes
Government Scheme |
7.50% | 5 years | 8917 |
| 32 | 7.50% | 259 DAYS · Special Deposit Scheme (simple interest) | 1 | |
| 33 | 7.50% | Above 12 months to 24 months | 16 | |
| 34 | 7.50% | 24 months to 35 months | 1 | |
| 35 | 7.50% | 24 months to 35 months | 1 | |
| 36 | 7.50% | Above 36 months | 1 | |
| 37 | 7.50% | above 3 years | 3 | |
| 38 | 7.50% | 3 years (36 months) to below 4 years | 1 | |
| 39 | 7.50% | 37 months to 60 months | 1 | |
| 40 | 7.50% | 12 month and above | 1 | |
| 41 | 7.50% | 444 days · Saras Amrut Deposit Scheme | 13 | |
| 42 | 7.50% | From 3 year to 4 year | 3 | |
| 43 | Bandhan Bank
Private |
7.45% | 2 years to less than 3 years | 111 |
| 44 | AU Small Finance Bank
Small Finance |
7.40% | 30 months 1 day to 36 months | 209 |
| 45 | 7.40% | 2 years to 3 years | 139 | |
| 46 | 7.35% | above 12 months up to 24 months | – | |
| 47 | City Union Bank
Private |
7.30% | 556 days to 3 years | 36 |
| 48 | 7.30% | 730 days | 16 | |
| 49 | 7.25% | 37 months to 60 months | 1 | |
| 50 | Dhanlaxmi Bank
Private |
7.25% | 1111 days · 1111-day Special | 5 |
| 51 | IDFC First Bank
Private |
7.25% | 500 days – 2 years | 111 |
| 52 | IndusInd Bank
Private |
7.25% | 2 years to 3 years | 187 |
| 53 | 7.25% | 367 to 430 days | 38 | |
| 54 | Karnataka Bank
Private |
7.25% | 15 months only | 16 |
| 55 | 7.25% | above 1 years to 3 years | 47 | |
| 56 | 7.25% | 14 months to below 16 months | 8 | |
| 57 | Tamilnad Mercantile Bank
Private |
7.25% | 567 days (TMB 567 Special Deposit scheme) · 567-day Special | 26 |
| 58 | 7.25% | Above 1 year upto 2 years | 7 | |
| 59 | 7.25% | 2 years and above | 89 | |
| 60 | 7.25% | 36 months to 60 months | 8 | |
| 61 | 7.25% | 445 days | 38 | |
| 62 | 7.25% | Above 36 months to 60 months | – | |
| 63 | 7.25% | 365 days and above | 1 | |
| 64 | 7.25% | 1 year to Less than 2 years | 18 | |
| 65 | 7.25% | 555 days · Dhanlaxmi Deposit | – | |
| 66 | 7.25% | 555 DAYS (Simple Interest) · 555-day Special | 7 | |
| 67 | 7.25% | 1 year to 3 years | 1 | |
| 68 | 7.25% | 1 YEAR TO UNDER 2 YEARS | 2 | |
| 69 | 7.25% | Above 3 years to 7 years | – | |
| 70 | 7.25% | 36 months and above | 2 | |
| 71 | 7.25% | 555 days · 555-days Deposit Scheme | 35 | |
| 72 | 7.25% | Above 3 years and upto 10 years | 18 | |
| 73 | 7.25% | Above 2 year | 1 | |
| 74 | 7.25% | 03 years to 05 years | 11 | |
| 75 | 7.25% | 25 months to 36 months | 5 | |
| 76 | Yes Bank
Private |
7.25% | 18 months 1 day < 24 months | 141 |
| 77 | Karur Vysya Bank
Private |
7.20% | 400 days · 400-day Special | 21 |
| 78 | 7.20% | Above 24 months to 36 months | – | |
| 79 | 7.20% | 37 months to 60 months | 7 | |
| 80 | 7.10% | Above 2 years to 5 years | 7 | |
| 81 | 7.10% | For 730 days · Dhan Varsha | 8 | |
| 82 | 7.10% | Above 24 months to 36 months | 1 | |
| 83 | 7.10% | 2 year up to 3 YEAR (FD ) | 3 | |
| 84 | 7.10% | Above 3 years (Cumulative Interest) | 1 | |
| 85 | 7.10% | 3 year to 5 years | 9 | |
| 86 | 7.05% | 555 days · 555 days deposit | – | |
| 87 | 7.05% | More than 2 years | – | |
| 88 | 7.00% | 2 year to Less than 5 year | – | |
| 89 | Central Bank of India
Public |
7.00% | 2222 days · Cent Green Deposit | 312 |
| 90 | Deutsche Bank India
Foreign |
7.00% | > 1 yr - 1.5 yrs | 3 |
| 91 | 7.00% | Above 2 years to 3 years | – | |
| 92 | 7.00% | 15 months 01 day – less than 16 months | 5 | |
| 93 | 7.00% | 2 to 3 years | 197 | |
| 94 | 7.00% | Above 3 years to 5 years | – | |
| 95 | RBL Bank
Private |
7.00% | 18 months to less than 60 months | 49 |
| 96 | 7.00% | 1 year and above upto 3 years | 1 | |
| 97 | 7.00% | 2 years to 3 years | 2 | |
| 98 | 7.00% | 3 year | – | |
| 99 | 7.00% | 12 months or above | – | |
| 100 | 7.00% | 25 months and Above | – | |
| 101 | 7.00% | Above 5 years | – | |
| 102 | 7.00% | 1 year | 35 | |
| 103 | 7.00% | 37 months and above up to 60 months | 2 | |
| 104 | 7.00% | Above 15 months to 2 years | 5 | |
| 105 | 7.00% | 1 years to 5 years | 8 | |
| 106 | 7.00% | 37 months to 60months | 4 | |
| 107 | 7.00% | 10 years · Double (10 years) | 1 | |
| 108 | 7.00% | From 555 days to 1000 days | – | |
| 109 | 7.00% | 1 YEAR TO 2 YEAR BELOW | 9 | |
| 110 | 7.00% | 3 years and above | – | |
| 111 | 7.00% | 730 days upto 1095 days | 87 | |
| 112 | 7.00% | above 24 months | 1 | |
| 113 | 7.00% | 13 months to 25 months | 15 | |
| 114 | 7.00% | Above 2 years to 3 years | 24 | |
| 115 | 7.00% | 13 MONTHS TO 36 MONTHS | – | |
| 116 | 7.00% | 366 day to 1095 day | 1 | |
| 117 | 7.00% | 1 year to 3 years | 4 | |
| 118 | 7.00% | Above 1 year to 2 years | 17 | |
| 119 | 7.00% | 3 years to 5 years | 1 | |
| 120 | 7.00% | 25 months · Special offer (25 months) | 3 | |
| 121 | 7.00% | Above 12 months and up to 18 months | 19 | |
| 122 | TJSB Sahakari Bank Ltd.
Co-op |
7.00% | Above 24 months to 36 months | 11 |
| 123 | Punjab & Sind Bank
Public |
6.90% | 500 days · 500-Day Special | 44 |
| 124 | 6.90% | Above 1 year to 18 months | 1 | |
| 125 | 6.90% | Above 3 years to 5 years | – | |
| 126 | Bank of Baroda
Public |
6.85% | bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days | 1790 |
| 127 | Bank of India
Public |
6.85% | 500 days(BOI Akshay Fixed Deposit) · 500-day Special | 408 |
| 128 | 6.85% | 4 years to less than 5 years | – | |
| 129 | 6.85% | 3 years to 10 years | 1 | |
| 130 | 6.80% | 2 years to less than 3 years | 6 | |
| 131 | Federal Bank
Private |
6.80% | 18 months | 79 |
| 132 | Indian Bank
Public |
6.80% | IND GROW (555 days) · IND GROW | 150 |
| 133 | Kotak Mahindra Bank
Private |
6.80% | 2 years- less than 3 years | 248 |
| 134 | 6.80% | 364 to 729 days | 54 | |
| 135 | Punjab National Bank
Public |
6.80% | 680 days | 366 |
| 136 | 6.80% | 400 days · Special Fixed Deposit 400 days | 133 | |
| 137 | 6.80% | Above 12 months to 24 months | 21 | |
| 138 | South Indian Bank
Private |
6.80% | 30 months | 24 |
| 139 | 6.80% | 555 days · 555-day deposit | 7 | |
| 140 | 6.75% | 1 year | – | |
| 141 | 6.75% | 2 years to less than 3 years | 71 | |
| 142 | Canara Bank
Public |
6.75% | 555 days ## · Canara 555 | 311 |
| 143 | 6.75% | 2 year upto 5 year | 8 | |
| 144 | 6.75% | 500 days · 500-day Special | 5 | |
| 145 | Gujarat Gramin Bank
Rural |
6.75% | Udan for 444 days · GGB Udan 444 days | – |
| 146 | 6.75% | 12 months (365 days) | 40 | |
| 147 | Indian Overseas Bank
Public |
6.75% | 444 days · 444-day Special | 139 |
| 148 | Jammu & Kashmir Bank
Private |
6.75% | 888 days · 888-day Special | 4 |
| 149 | 6.75% | 2 year to less than 3 years | 1 | |
| 150 | 6.75% | From 2 year to 3 year | 11 | |
| 151 | 6.75% | above 3 year to below 5 year | – | |
| 152 | 6.75% | Above 2 year | 1 | |
| 153 | 6.75% | 365 days (1 year) | – | |
| 154 | 6.75% | 13 months to 24 months | 3 | |
| 155 | 6.75% | (4) 12 months & Above 12 months and up to 24 months | 1 | |
| 156 | 6.75% | above 12 months up to 24 months | 35 | |
| 157 | 6.75% | Above 37 months | – | |
| 158 | 6.75% | 1 year (365 days ) to 3 year (36 months) | – | |
| 159 | 6.75% | 25 months to 36 months | 3 | |
| 160 | 6.75% | 1 year to less than 2 years | – | |
| 161 | 6.75% | 1 year and up to 2 years | 71 | |
| 162 | 6.75% | 181 days to below 12 month | 2 | |
| 163 | 6.75% | 24 MONTHS AND ABOVE UP TO 60 MONTHS | 2 | |
| 164 | 6.75% | 444 days · 444-day deposit | 3 | |
| 165 | 6.75% | 24 months | – | |
| 166 | 6.70% | More then 25 months | 1 | |
| 167 | 6.70% | Above 2 years to 3 years | 55 | |
| 168 | UCO Bank
Public |
6.70% | 535 days · UCO 535 | 134 |
| 169 | Bank of Maharashtra
Public |
6.65% | 400 days · 400-day special | 120 |
| 170 | 6.65% | 2 to 3 years | 18 | |
| 171 | 6.65% | 37 months | – | |
| 172 | 6.65% | Above 2 years to 5 years | – | |
| 173 | Axis Bank
Private |
6.60% | 2 years < 3 years | 504 |
| 174 | 6.60% | 1098 days and above | 1 | |
| 175 | HDFC Bank
Private |
6.60% | 3 years 1 day to < 4 years 7 months | 732 |
| 176 | ICICI Bank
Private |
6.60% | 3 years 1 day to 5 years | 624 |
| 177 | Standard Chartered India
Foreign |
6.60% | 1yr - 376days* | 4 |
| 178 | 6.60% | 25 months to 36 months | 1 | |
| 179 | 6.55% | Above 24 months to 36 months | 6 | |
| 180 | IDBI Bank
Private |
6.55% | 1100 days · 1100-day Special | 144 |
| 181 | 6.55% | 3 years and above | 1 | |
| 182 | Union Bank of India
Public |
6.55% | 555 days · 555-Day Special | 462 |
| 183 | 6.50% | From 1 year to 5 year | – | |
| 184 | 6.50% | 1 year and above | – | |
| 185 | DBS Bank India
Foreign |
6.50% | 501 days to 540 days | 15 |
| 186 | 6.50% | Above 1 year | 1 | |
| 187 | 6.50% | 1 year and above | 5 | |
| 188 | 6.50% | 12 months and above | 2 | |
| 189 | 6.50% | 15 months to 23 months | 1 | |
| 190 | 6.50% | 12 months to 36 months | 4 | |
| 191 | 6.50% | 12 months to 23 months | 9 | |
| 192 | 6.50% | 1 YEAR AND ABOVE | – | |
| 193 | 6.50% | 365 days and above | – | |
| 194 | 6.50% | 365 days | 2 | |
| 195 | 6.50% | 13 MONTH TO 60 MONTH | 1 | |
| 196 | 6.50% | Above 25 month to 36 month | 8 | |
| 197 | 6.50% | Above 1 year to 2 years | 11 | |
| 198 | 6.50% | 25 months to 36 months | 1 | |
| 199 | 6.50% | above 12 months to 3 years | 2 | |
| 200 | 6.50% | Over 2 years up to 3 years | 6 | |
| 201 | State Bank of India
Public |
6.45% | 444 days (Amrit Vrishti) · Amrit Vrishti 444 days | 1368 |
| 202 | HSBC India
Foreign |
6.40% | 37 months to less than 48 months | 3 |
| 203 | 6.25% | 36 months to 120 months | – | |
| 204 | 6.25% | 2 year and Above | 1 | |
| 205 | 6.10% | 37 month up to 60 month | 1 | |
| 206 | 6.00% | 1 year to less than 3 year | 1 | |
| 207 | 6.00% | 1 YEAR up to 3 YEAR | – | |
| 208 | 5.75% | 36 months to 60 months | 1 | |
| 209 | 5.75% | 365 DAYS to 1825 DAYS | – | |
| 210 | 5.50% | 12 MONTHS AND UPTO 24 MONTHS | 3 | |
| 211 | 5.50% | 366 days and above | 1 | |
| 212 | 5.50% | 12 month and above | – | |
| 213 | 5.50% | 25 months to 36 months | 2 | |
| 214 | Mizuho Bank, Ltd. (India)
Foreign |
5.40% | Above 15 months to 18 months | 1 |
| 215 | 5.25% | 2 year to below 5 years | 1 | |
| 216 | Citibank N.A. (India)
Foreign |
2.00% | 46 days to 60 days | 2 |
216 banks we track have a branch in Gujarat. 168 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 8.50% at Shri Vinayak 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 Gujarat 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 | Suryoday Small Finance Bank | 8.25% | 5 years |
| Rural | Gujarat Gramin Bank | 6.75% | Udan for 444 days |
| Co-op | Gujarat State Co-operative Bank Ltd | 6.75% | 12 months (365 days) |
| Co-op | Surendranagar District Central Co-operative Bank | 7.60% | 3 to 5 years |
| Co-op | Shri Vinayak Sahakari Bank Ltd. | 8.50% | 366 days to 730 days |
| Foreign | Deutsche Bank India | 7.00% | > 1 yr - 1.5 yrs |
| Government Scheme | Post Office Savings Schemes | 7.50% | 5 years |
FD rates in the districts of Gujarat
Ahmedabad98 banks8.50%Surat76 banks8.10%Vadodara75 banks8.10%Rajkot57 banks8.10%Mehsana54 banks8.10%Gandhinagar52 banks8.10%Anand51 banks8.10%Sabarkantha48 banks8.10%Jamnagar47 banks8.10%Bhavnagar45 banks8.10%Kheda45 banks8.10%Valsad45 banks8.10%Kutch44 banks8.10%Patan40 banks8.10%Banaskantha39 banks8.00%Junagadh39 banks8.00%Bharuch38 banks8.10%Navsari38 banks8.10%Panchmahal38 banks8.10%Amreli29 banks7.75%Dahod29 banks8.25%
Frequently Asked Questions
Which bank has the highest FD rate in Gujarat?
As of 14 Nov 2026, Shri Vinayak Sahakari Bank Ltd. pays the highest FD rate among banks with a branch in Gujarat: 8.50% a year for general depositors. Next are Suryoday at 8.25% and Ujjivan at 8.10%. Confirm the current rate with the bank before you invest.
How many banks have a branch in Gujarat?
216 of the banks RateScan.in tracks have at least one branch in Gujarat, counted from RBI's IFSC list: 168 co-operative and regional rural banks, and 48 public, private, small finance and other banks.
Are FDs at co-operative banks in Gujarat 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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