FD rates in Karnataka · November 2026

184 banks with a branch in Karnataka, ranked by their best fixed-deposit rate.

Banks in Karnataka, ranked by FD rate

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

#	Bank	Rate	Applies to	Branches here
1	Mudalagi Co-operative Bank Ltd. Co-op	10.00%	Above 2 years	1
2	Bilagi Pattan Sahakari Bank Niyamit, Bilagi Co-op	9.75%	60 months & Above	1
3	Chaitanya Mahila Sahakari Bank Ltd. Co-op	9.00%	More than 1 year upto 2 years	–
4	Merchants' Liberal Co-operative Bank Ltd., Gadag-Betageri Co-op	9.00%	Above 3 years	–
5	Shree Murugharajendra Co-operative Bank Ltd., Davanagere Co-op	9.00%	730 days and above	1
6	Shri Chatrapati Shivaji Maharaj Sahakari Bank Niyamith Co-op	9.00%	1 year to 4 years	–
7	The Jamkhandi Urban Co-operative Bank Ltd. Co-op	9.00%	365 days to 1095 days	1
8	The Mahalakshmi Co-operative Bank Ltd. Co-op	8.80%	Above 2 years	8
9	Bellad-Bagewadi Urban Souharda Sahakari Bank Niyamit Co-op	8.75%	above 2 years	–
10	The Merchants' Urban Co-operative Bank Ltd., Gadag Co-op	8.75%	555 days · 70th anniversary deposit (555 days)	–
11	Sri Bhagavathi Co-operative Bank Ltd., Mangalore Co-op	8.60%	Above 3 years	1
12	Bharathiya Sahakara Bank Niyamitha Co-op	8.50%	3 years and above	1
13	Manvi Pattana Souharda Sahakari Bank Niyamitha, Manvi Co-op	8.50%	800 days · Fixed deposit (simple interest), 800 days	3
14	Shiva Sahakari Bank Niyamitha, Tarikere Co-op	8.50%	above 5 years	–
15	Sir M. Vishweshwaraiah Sahakar Bank Niyamitha Co-op	8.50%	4 years to 5 years	–
16	The Maratha Co-operative Bank Ltd. Co-op	8.50%	5 years	–
17	Ananda Co-operative Bank Ltd. Co-op	8.25%	Above 2 year to 3 year	2
18	Aruna Sahakara Bank Niyamitha Co-op	8.25%	1 year to 2 years	1
19	Bapuji Co-operative Bank Ltd. Co-op	8.25%	Above 3 years to 5 years	–
20	Chitradurga District Co-operative Central Bank Ltd. Co-op	8.25%	Special 400 days	22
21	Kolar and Chikkaballapur District Central Co-operative Bank Co-op	8.25%	1 to 2 years	–
22	Kushtagi Pattana Sahakari Bank Niyamit Co-op	8.25%	above 24 months to 36 months	1
23	Manjra Mahila Urban Co-operative Bank Ltd., Bidar Co-op	8.25%	1 year to 2 years	1
24	Navanagara Urban Co-operative Bank Ltd. Co-op	8.25%	731 - 3650 days	1
25	Pachhapur Urban Co-operative Bank Ltd. Co-op	8.25%	5 years · Special 5 Year Deposit	1
26	Shiva Sahakari Bank Niyamitha Co-op	8.25%	Above 3 years - 5 years	1
27	SUCO Souharda Sahakari Bank Ltd. Co-op	8.25%	Above 16 months up to 24 months	29
28	Teachers' Co-operative Bank Ltd. Co-op	8.25%	444 days · Akshaya Deposit	12
29	The Davangere Harihar Urban Sahakara Bank Niyamitha Co-op	8.25%	Above 3 years up to 5 years	10
30	Town Co-operative Bank Ltd., Sira Co-op	8.25%	2 years and above	–
31	Adarsha Pattana Souharda Sahakari Bank Niyamitha Co-op	8.10%	2 years to 3 years	–
32	Ujjivan Small Finance Bank Small Finance	8.10%	3 year 1 day – 3 year 6 months	96
33	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	9
34	Belgaum Industrial Co-operative Bank Ltd. Co-op	8.00%	1 years	1
35	Chikkamagaluru District Co-operative Central Bank Ltd. Co-op	8.00%	Special (555 days)	27
36	CSB Bank Private	8.00%	501 days · 501-day Special	62
37	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	39
38	Hassan District Co-operative Central Bank Ltd. Co-op	8.00%	501 to 729 days	2
39	Hubli Urban Co-operative Bank Ltd. Co-op	8.00%	84 months · Urban Lakhapati Deposit	8
40	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	76
41	Sahyadri Mahila Urban Co-operative Bank Ltd., Shivamogga Co-op	8.00%	1096 days and above	1
42	Shiva Sahakari Bank Niyamitha, Shikaripur Co-op	8.00%	1 year to 2 years	1
43	Shivalik Small Finance Bank Small Finance	8.00%	23 months 1 day to 27 months	1
44	Shri Basaveshwar Sahakari Bank Niyamita, Bagalkot Co-op	8.00%	3 years and above	27
45	Shri D. T. Patil Co-operative Bank Ltd. Co-op	8.00%	1 year to 2 years	–
46	Soubhagya Mahila Souharda Sahakar Bank Niyamitha Co-op	8.00%	1 year - 3 years	–
47	South Canara District Central Co-operative Bank Co-op	8.00%	1 year to less than 3 years	76
48	Sri Amba Bhavani Urban Co-operative Bank Ltd., Davangere Co-op	8.00%	ABOVE 5 YEARS	–
49	Sri Gokarnanath Co-operative Bank Ltd. Co-op	8.00%	366 days · 366-day deposit	16
50	Sri Kalidasa Sahakara Bank Niyamitha, Bengaluru Co-op	8.00%	Above 2 years	1
51	Sri Seetharaghava Souharda Sahakara Bank Niyamitha Co-op	8.00%	Above 3 years to 5 years	–
52	The Bailhongal Urban Co-operative Bank Ltd. Co-op	8.00%	1 years and above	1
53	The Citizen Co-operative Bank Ltd. Co-op	8.00%	13 months to 2 years	–
54	The Pioneer Urban Co-operative Bank Ltd., Belgaum Co-op	8.00%	1 years and above	1
55	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	22
56	Janatha Seva Co-operative Bank Ltd. Co-op	7.80%	24 months · Special Scheme (24 months)	5
57	The Ankola Urban Co-operative Bank Ltd. Co-op	7.80%	For 400 days · 400-day Special	1
58	Sri Vasavamba Co-operative Bank Ltd. Co-op	7.77%	777 days · Vasavi Akshaya Deposit	1
59	Chikmagalur Pattana Sahakara Bank Ltd. Co-op	7.75%	above 1 year to 2 years	–
60	Davangere District Co-operative Central Bank Ltd. Co-op	7.75%	3 to 5 years	–
61	DCB Bank Private	7.75%	17 months to 20 months	27
62	Equitas Small Finance Bank Small Finance	7.75%	888 days	134
63	Karnataka Central Co-operative Bank Ltd., Dharwad Co-op	7.75%	365 days to 365 days	–
64	Rani Channamma Mahila Sahakari Bank Niyamit, Belagavi Co-op	7.75%	2 years	10
65	Sarakari Naukarara Sahakari Bank Niyamit Co-op	7.75%	Above 12 months	–
66	Slice Small Finance Bank Small Finance	7.75%	1.5 years 1 day - 2 years	1
67	The Ajara Urban Co-operative Bank Ltd. Co-op	7.75%	24 months · Dhan Varsha (24 months)	4
68	Tumkur District Central Co-operative Bank Co-op	7.75%	555 days (special scheme)	28
69	Bellary District Co-operative Central Bank Ltd. Co-op	7.70%	5 years to 10 years	33
70	Bangalore & Bangalore Rural District Co-op Central Bank Ltd. Co-op	7.60%	1 to 10 years	–
71	Dakshina Kannada Jilla Mahila Co-operative Bank (N) Co-op	7.60%	1 year	–
72	Raichur District Co-operative Central Bank Co-op	7.60%	Above 2 years	23
73	Ashokanagar Co-operative Bank Ltd. Co-op	7.50%	Above 2 years to 3 years	1
74	Belagavi Shree Basaveshwar Co-operative Bank Ltd. Co-op	7.50%	2 years	1
75	Belgaum District Central Co-operative Bank Ltd. Co-op	7.50%	1 year and above	–
76	L.I.C. Employees' Co-operative Bank Ltd., Udupi Co-op	7.50%	400 days · Non-callable deposit (400 days)	–
77	Mahila Co-operative Bank Ltd. Co-op	7.50%	456 days · Amrutha Nidhi Deposit	11
78	Mysore City District Co-operative Central Bank Co-op	7.50%	1 year and above	–
79	Post Office Savings Schemes Government Scheme	7.50%	5 years	9689
80	Sir M. Visvesvaraya Co-operative Bank Ltd. Co-op	7.50%	2 years to less than 3 years	11
81	Sree Charan Souharda Co-operative Bank Ltd. Co-op	7.50%	Above 15 months to 3 years	10
82	Sree Thyagaraja Co-operative Bank Ltd., Bengaluru Co-op	7.50%	above 3 years	13
83	Sri Parshwanatha Sahakara Bank Niyamitha, Tumkur Co-op	7.50%	Above 3 years to 5 years	1
84	Sri Sudha Co-operative Bank Ltd. Co-op	7.50%	Above 1 year upto 3 years	10
85	Srimatha Mahila Sahakari Bank Niyamitha, Bangalore Co-op	7.50%	ABOVE 24 MONTHS TO 36 MONTHS	–
86	SSMS Bank, Athani Co-op	7.50%	1 year and above	–
87	The Malleswaram Co-operative Bank Ltd. Co-op	7.50%	above 1 year to 3 years	6
88	The Mangalore Co-operative Town Bank Ltd. Co-op	7.50%	365 days · FDL deposit	5
89	The Merchants' Souharda Sahakara Bank Niyamitha, Chitradurga Co-op	7.50%	above 730 days	8
90	The Pragathi Co-operative Bank Ltd. Co-op	7.50%	above 1 year to below 3 years	1
91	The Raddi Sahakara Bank Niyamitha, Dharwad Co-op	7.50%	555 days · Ujjwal Bhavishya deposit (centenary, 555 days)	23
92	The Sindgi Urban Co-operative Bank Ltd. Co-op	7.50%	Above 21 months to 36 months	–
93	The Vijaypur District Central Co-operative Bank Ltd. Co-op	7.50%	1 years and above	–
94	The Vishweshwar Sahakari Bank Ltd., Pune Co-op	7.50%	18 months	2
95	Tumkur Grain Merchants' Co-operative Bank Ltd. Co-op	7.50%	Above 2 years to 5 years	30
96	Tumkur Veerashaiva Co-operative Bank Ltd. Co-op	7.50%	ABOVE 2 years - 3 years	1
97	Vikas Souharda Co-operative Bank Ltd. Co-op	7.50%	1 year to 2 years	18
98	Bandhan Bank Private	7.45%	2 years to less than 3 years	66
99	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	128
100	City Union Bank Private	7.30%	556 days to 3 years	66
101	Saraswat Co-operative Bank Ltd. Co-op	7.30%	730 days	30
102	The Kanara District Central Co-operative Bank Ltd. Co-op	7.30%	Above 1 year to 3 years	–
103	The Town Co-operative Bank Ltd. Co-op	7.30%	3 years & above	–
104	Dhanlaxmi Bank Private	7.25%	1111 days · 1111-day Special	12
105	IDFC First Bank Private	7.25%	500 days – 2 years	128
106	IndusInd Bank Private	7.25%	2 years to 3 years	143
107	Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd. Co-op	7.25%	5 to 10 years · Tax Saving Deposit Scheme	9
108	Karnataka Bank Private	7.25%	15 months only	631
109	Koteshwara Sahakari Bank Niyamitha Co-op	7.25%	ABOVE 3 YEARS TO 5 YEARS	–
110	Ponnampet Town Co-operative Bank Niyamitha Co-op	7.25%	1 year to less than 2 years	–
111	Rajajinagar Co-operative Bank Ltd., Bengaluru Co-op	7.25%	Above 3 year upto 5 years	–
112	Shamrao Vithal Co-operative Bank Ltd. Co-op	7.25%	14 months to below 16 months	54
113	Shree Tukaram Co-operative Bank Ltd. Co-op	7.25%	3 years to 5 years	–
114	Sree Subramanyeswara Co-operative Bank Ltd., Bengaluru Co-op	7.25%	1 year to less than 2 years	11
115	Sreenidhi Souharda Sahakari Bank Niyamitha Co-op	7.25%	1 year to less than 2 years	9
116	Tamilnad Mercantile Bank Private	7.25%	567 days (TMB 567 Special Deposit scheme) · 567-day Special	25
117	The Bangalore City Co-operative Bank Ltd. Co-op	7.25%	1 year to 2 years	–
118	The Cosmos Co-operative Bank Ltd. Co-op	7.25%	445 days	17
119	The Mahaveer Co-op Bank Ltd. Co-op	7.25%	Above 1 year to 3 year	1
120	The Shri Veershaiv Co-operative Bank Ltd., Kolhapur Co-op	7.25%	365 days to 24 months	4
121	The Textile Co-operative Bank Ltd. Co-op	7.25%	Above 1 year upto 3 years	1
122	Yes Bank Private	7.25%	18 months 1 day < 24 months	108
123	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	65
124	The Janatha Co-operative Bank Ltd. Co-op	7.10%	ABOVE 1 YEAR TO 2 YEAR	1
125	Veerashaiva Sahakari Bank Ltd. Co-op	7.10%	Above 2 years & upto 3 years	–
126	Accountant General's Office Employees Co-operative Bank Ltd. Co-op	7.05%	13 months to 18 months	–
127	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	107
128	Deutsche Bank India Foreign	7.00%	> 1 yr - 1.5 yrs	2
129	Khanapur Co-operative Bank Ltd., Khanapur Co-op	7.00%	1 years and above	1
130	Mandya District Co-operative Central Bank Co-op	7.00%	1 to 3 years	14
131	NKGSB Co-operative Bank Ltd. Co-op	7.00%	15 months 01 day – less than 16 months	14
132	Nyayamitra Sahakari Bank Niyamitha Co-op	7.00%	Above 1 year	–
133	RBL Bank Private	7.00%	18 months to less than 60 months	63
134	Sandur Pattana Souharda Sahakari Bank Niyamitha Co-op	7.00%	Above 1 year to 3 years	–
135	Shivamogga District Co-operative Central Bank Co-op	7.00%	1 to 2 years	32
136	Sree Anjaneya Co-operative Bank Ltd., Bangalore Co-op	7.00%	above 1 years to 3 years	3
137	Sree Bhyraveshwara Sahakara Bank Niyamitha, Tumakuru Co-op	7.00%	27 months to 36 months	1
138	The Bharat Co-operative Bank (Mumbai) Ltd. Co-op	7.00%	Above 15 months to 2 years	20
139	The Honavar Urban Co-operative Bank Ltd. Co-op	7.00%	364 days	6
140	The Hotel Industrialists Co-operative Bank Ltd. Co-op	7.00%	1 years to 2 years	8
141	The Karnataka State Co-operative Apex Bank Co-op	7.00%	1 year to less than 2 years	49
142	The Mysore Silk Cloth Merchants' Co-operative Bank Ltd. Co-op	7.00%	1 year	–
143	The Sirsi Urban Sahakari Bank Ltd. Co-op	7.00%	12 months upto 399 days	18
144	TJSB Sahakari Bank Ltd. Co-op	7.00%	Above 24 months to 36 months	7
145	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	19
146	Reserve Bank Employees' Co-operative Bank Ltd., Bengaluru Co-op	6.90%	18 months · Special fixed deposit (18 months)	–
147	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	806
148	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	150
149	Federal Bank Private	6.80%	18 months	138
150	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	167
151	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	234
152	Punjab National Bank Public	6.80%	680 days	203
153	South Indian Bank Private	6.80%	30 months	60
154	Canara Bank Public	6.75%	555 days ## · Canara 555	2048
155	Chartered Sahakari Bank Niyamitha Co-op	6.75%	12 months to 24 months	1
156	GP Parsik Sahakari Bank Ltd. Co-op	6.75%	Above 3 years to 5 years	2
157	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	233
158	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	12
159	Karnataka Grameena Bank Rural	6.75%	KGB-NIDHI (555 days)* · KGB-NIDHI 555 days	1781
160	Solapur Janata Sahakari Bank Ltd. Co-op	6.75%	More than 18 months up to 24 months	1
161	UCO Bank Public	6.70%	535 days · UCO 535	74
162	Bank of Maharashtra Public	6.65%	400 days · 400-day special	106
163	Axis Bank Private	6.60%	2 years < 3 years	419
164	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	569
165	ICICI Bank Private	6.60%	3 years 1 day to 5 years	529
166	Standard Chartered India Foreign	6.60%	1yr - 376days*	6
167	Abhyudaya Co-operative Bank Ltd. Co-op	6.55%	Above 24 months to 36 months	5
168	IDBI Bank Private	6.55%	1100 days · 1100-day Special	129
169	Union Bank of India Public	6.55%	555 days · 555-Day Special	776
170	DBS Bank India Foreign	6.50%	501 days to 540 days	51
171	Mysore Zilla Mahila Sahakara Bank Niyamitha Co-op	6.50%	1 year	2
172	The Akki-Alur Urban Co-operative Bank Ltd. Co-op	6.50%	1 year and Above	1
173	The Jagruti Co-operative Bank Ltd. Co-op	6.50%	2 years to Below 3 years	1
174	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	1660
175	The Bhatkal Urban Co-operative Bank Ltd. Co-op	6.45%	444 days · 444-day deposit	10
176	HSBC India Foreign	6.40%	37 months to less than 48 months	2
177	The Bagalkote District Central Co-operative Bank Ltd. Co-op	5.75%	above 1 year to less than 2 years	–
178	Sumitomo Mitsui Banking Corporation (India) Foreign	5.65%	184 to 270 days	1
179	Mizuho Bank, Ltd. (India) Foreign	5.40%	Above 15 months to 18 months	1
180	MUFG Bank, Ltd. (India) Foreign	5.20%	Above 1 year up to 2 years	1
181	J.P. Morgan Chase Bank, N.A. (India) Foreign	4.56%	360 days to 365 days	1
182	BNP Paribas (India) Foreign	4.00%	732 days to 1095 days	2
183	Bank of America, N.A. (India) Foreign	3.45%	Above 5 years	1
184	Citibank N.A. (India) Foreign	2.00%	46 days to 60 days	1

State

Tenure

Deposit amount

184 banks we track have a branch in Karnataka. 131 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 10.00% at Mudalagi 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 Karnataka 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	Karnataka Grameena Bank	6.75%	KGB-NIDHI (555 days)*
Co-op	The Karnataka State Co-operative Apex Bank	7.00%	1 year to less than 2 years
Co-op	Chitradurga District Co-operative Central Bank Ltd.	8.25%	Special 400 days
Co-op	Mudalagi Co-operative Bank Ltd.	10.00%	Above 2 years
Foreign	Deutsche Bank India	7.00%	> 1 yr - 1.5 yrs
Government Scheme	Post Office Savings Schemes	7.50%	5 years

Frequently Asked Questions

Which bank has the highest FD rate in Karnataka?

As of 14 Nov 2026, Mudalagi Co-operative Bank Ltd. pays the highest FD rate among banks with a branch in Karnataka: 10.00% a year for general depositors. Next are Bilagi Pattan Sahakari Bank at 9.75% and Chaitanya Mahila Bank at 9.00%. Confirm the current rate with the bank before you invest.

How many banks have a branch in Karnataka?

184 of the banks RateScan.in tracks have at least one branch in Karnataka, counted from RBI's IFSC list: 131 co-operative and regional rural banks, and 53 public, private, small finance and other banks.

Are FDs at co-operative banks in Karnataka 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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Banks in Karnataka, ranked by FD rate

Best FD rate in Karnataka by type of bank

FD rates in the districts of Karnataka

Frequently Asked Questions

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