FD rates in Himachal Pradesh · November 2026

Q: Which bank has the highest FD rate in Himachal Pradesh?

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

36 of the banks RateScan.in tracks have at least one branch in Himachal Pradesh, counted from RBI's IFSC list: 4 co-operative and regional rural banks, and 32 public, private, small finance and other banks.

Q: Are FDs at co-operative banks in Himachal Pradesh 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.

36 banks with a branch in Himachal Pradesh, ranked by their best fixed-deposit rate.

Banks in Himachal Pradesh, 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	2
2	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	4
3	CSB Bank Private	8.00%	501 days · 501-day Special	1
4	Equitas Small Finance Bank Small Finance	7.75%	888 days	3
5	Post Office Savings Schemes Government Scheme	7.50%	5 years	2791
6	Bandhan Bank Private	7.45%	2 years to less than 3 years	3
7	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	5
8	Capital Small Finance Bank Small Finance	7.25%	600 days	1
9	IDFC First Bank Private	7.25%	500 days – 2 years	4
10	IndusInd Bank Private	7.25%	2 years to 3 years	18
11	The Parwanoo Urban Co-operative Bank Ltd. Co-op	7.25%	5 years to 10 years	8
12	Yes Bank Private	7.25%	18 months 1 day < 24 months	10
13	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	57
14	RBL Bank Private	7.00%	18 months to less than 60 months	2
15	Himachal Pradesh State Co-operative Bank Co-op	6.90%	1 year (365 days)	237
16	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	30
17	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	43
18	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	21
19	Himachal Pradesh Gramin Bank Rural	6.85%	555 days	–
20	Federal Bank Private	6.80%	18 months	1
21	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	24
22	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	10
23	Punjab National Bank Public	6.80%	680 days	386
24	South Indian Bank Private	6.80%	30 months	1
25	Canara Bank Public	6.75%	555 days ## · Canara 555	76
26	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	15
27	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	5
28	Jogindra Central Co-operative Bank Ltd. Co-op	6.75%	Special 400 days	–
29	UCO Bank Public	6.70%	535 days · UCO 535	183
30	Bank of Maharashtra Public	6.65%	400 days · 400-day special	13
31	Axis Bank Private	6.60%	2 years < 3 years	35
32	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	119
33	ICICI Bank Private	6.60%	3 years 1 day to 5 years	58
34	IDBI Bank Private	6.55%	1100 days · 1100-day Special	20
35	Union Bank of India Public	6.55%	555 days · 555-Day Special	48
36	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	359

State

Tenure

Deposit amount

36 banks we track have a branch in Himachal Pradesh. 4 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 Himachal Pradesh 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	Himachal Pradesh Gramin Bank	6.85%	555 days
Co-op	Himachal Pradesh State Co-operative Bank	6.90%	1 year (365 days)
Co-op	Jogindra Central Co-operative Bank Ltd.	6.75%	Special 400 days
Co-op	The Parwanoo Urban Co-operative Bank Ltd.	7.25%	5 years to 10 years
Government Scheme	Post Office Savings Schemes	7.50%	5 years

All places

Frequently Asked Questions

Which bank has the highest FD rate in Himachal Pradesh?

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

36 of the banks RateScan.in tracks have at least one branch in Himachal Pradesh, counted from RBI's IFSC list: 4 co-operative and regional rural banks, and 32 public, private, small finance and other banks.

Are FDs at co-operative banks in Himachal Pradesh 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.

Telegram Rate changes on TelegramFollow the channel →

Have feedback?

Tell us what would make RateScan.in more useful. No email required.