FD rates in Jharkhand · November 2026

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

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

43 of the banks RateScan.in tracks have at least one branch in Jharkhand, counted from RBI's IFSC list: 5 co-operative and regional rural banks, and 38 public, private, small finance and other banks.

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

43 banks with a branch in Jharkhand, ranked by their best fixed-deposit rate.

Banks in Jharkhand, 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	22
2	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	102
3	CSB Bank Private	8.00%	501 days · 501-day Special	9
4	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	17
5	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	14
6	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	2
7	The Eastern Railway Employees' Co-operative Bank Ltd. Co-op	7.90%	1111 days (Sanchay Samriddhi)	1
8	DCB Bank Private	7.75%	17 months to 20 months	7
9	Post Office Savings Schemes Government Scheme	7.50%	5 years	3275
10	The Koylanchal Urban Co-operative Bank Ltd. Co-op	7.50%	2 years to below 3 years	–
11	Bandhan Bank Private	7.45%	2 years to less than 3 years	62
12	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	3
13	City Union Bank Private	7.30%	556 days to 3 years	4
14	IDFC First Bank Private	7.25%	500 days – 2 years	7
15	IndusInd Bank Private	7.25%	2 years to 3 years	26
16	Karnataka Bank Private	7.25%	15 months only	3
17	Yes Bank Private	7.25%	18 months 1 day < 24 months	12
18	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	1
19	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	89
20	Jharkhand Rajya Gramin Bank Rural	7.00%	2 years to less than 3 years	–
21	Jharkhand State Co-operative Bank Co-op	7.00%	1 year to less than 13 months	105
22	RBL Bank Private	7.00%	18 months to less than 60 months	4
23	The Jamshedpur Urban Co-operative Bank Ltd. Co-op	7.00%	2 year to less than 3 years	–
24	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	23
25	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	151
26	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	488
27	Federal Bank Private	6.80%	18 months	10
28	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	169
29	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	21
30	Punjab National Bank Public	6.80%	680 days	230
31	South Indian Bank Private	6.80%	30 months	3
32	Canara Bank Public	6.75%	555 days ## · Canara 555	237
33	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	54
34	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	1
35	UCO Bank Public	6.70%	535 days · UCO 535	83
36	Bank of Maharashtra Public	6.65%	400 days · 400-day special	46
37	Axis Bank Private	6.60%	2 years < 3 years	118
38	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	107
39	ICICI Bank Private	6.60%	3 years 1 day to 5 years	120
40	IDBI Bank Private	6.55%	1100 days · 1100-day Special	64
41	Union Bank of India Public	6.55%	555 days · 555-Day Special	134
42	DBS Bank India Foreign	6.50%	501 days to 540 days	3
43	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	605

State

Tenure

Deposit amount

43 banks we track have a branch in Jharkhand. 5 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 Jharkhand 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	Jharkhand Rajya Gramin Bank	7.00%	2 years to less than 3 years
Co-op	Jharkhand State Co-operative Bank	7.00%	1 year to less than 13 months
Co-op	The Eastern Railway Employees' Co-operative Bank Ltd.	7.90%	1111 days (Sanchay Samriddhi)
Foreign	DBS Bank India	6.50%	501 days to 540 days
Government Scheme	Post Office Savings Schemes	7.50%	5 years

All places

Frequently Asked Questions

Which bank has the highest FD rate in Jharkhand?

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

43 of the banks RateScan.in tracks have at least one branch in Jharkhand, counted from RBI's IFSC list: 5 co-operative and regional rural banks, and 38 public, private, small finance and other banks.

Are FDs at co-operative banks in Jharkhand 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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