FD rates in Kerala · November 2026

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

As of 14 Nov 2026, Kattappana Urban Co-operative Bank Ltd. pays the highest FD rate among banks with a branch in Kerala: 9.50% a year for general depositors. Next are Alwaye Urban Co-op Bank at 8.25% and Thodupuzha Urban Co-op Bank at 8.25%. Confirm the current rate with the bank before you invest.

Q: How many banks have a branch in Kerala?

84 of the banks RateScan.in tracks have at least one branch in Kerala, counted from RBI's IFSC list: 39 co-operative and regional rural banks, and 45 public, private, small finance and other banks.

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

84 banks with a branch in Kerala, ranked by their best fixed-deposit rate.

Banks in Kerala, ranked by FD rate

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

#	Bank	Rate	Applies to	Branches here
1	Kattappana Urban Co-operative Bank Ltd. Co-op	9.50%	365 days and above	1
2	The Alwaye Urban Co-operative Bank Ltd. Co-op	8.25%	1 year to less than 2 years	8
3	The Thodupuzha Urban Co-operative Bank Ltd. Co-op	8.25%	1 year to less than 2 year	–
4	Payangadi Urban Co-operative Bank Ltd. Co-op	8.10%	37 months to 60 months	4
5	The Cherpalcheri Co-operative Urban Bank Ltd. Co-op	8.10%	1 year	3
6	Ujjivan Small Finance Bank Small Finance	8.10%	3 year 1 day – 3 year 6 months	20
7	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	11
8	CSB Bank Private	8.00%	501 days · 501-day Special	352
9	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	333
10	Ottapalam Co-operative Urban Bank Ltd. Co-op	8.00%	12 months to less than 24 months	–
11	Taliparamba Co-operative Urban Bank Ltd. Co-op	8.00%	12 months to 24 months	2
12	The Changanacherry Co-operative Urban Bank Ltd. Co-op	8.00%	360 days to 719 days	2
13	The Karamana Co-operative Urban Bank Ltd. Co-op	8.00%	1 year	1
14	The Peoples' Urban Co-operative Bank Ltd., Tripunithura Co-op	8.00%	555 days · 555-day deposit	1
15	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	8
16	DCB Bank Private	7.75%	17 months to 20 months	5
17	Equitas Small Finance Bank Small Finance	7.75%	888 days	7
18	Nileshwar Co-operative Urban Bank Ltd. Co-op	7.75%	1 years and above	1
19	Palghat Co-operative Urban Bank Ltd. Co-op	7.75%	1 year to less than 2 years	1
20	The Coastal Urban Co-operative Bank Ltd., Kollam Co-op	7.75%	12 months to 24 months	9
21	The Kottakkal Co-operative Urban Bank Ltd. Co-op	7.75%	365 to 3 years	–
22	The Manjeri Co-operative Urban Bank Ltd. Co-op	7.75%	1 year to less than 2 years	16
23	The Mattancherry Sarvajanik Co-operative Bank Ltd. Co-op	7.72%	1826 days to 3650 days	2
24	Alleppey Urban Co-operative Bank Ltd. Co-op	7.60%	1 year · FD Special Scheme (1 year)	1
25	The Tirur Urban Co-operative Bank Ltd. Co-op	7.60%	1 year to less than 3 year	11
26	Post Office Savings Schemes Government Scheme	7.50%	5 years	5059
27	Shoranur Co-operative Urban Bank Ltd. Co-op	7.50%	12 months	6
28	The Kasaragod Co-operative Town Bank Ltd. Co-op	7.50%	3 year to less than 10 year	12
29	The Ponani Co-operative Urban Bank Ltd. Co-op	7.50%	1 year	13
30	The Trichur Urban Co-operative Bank Ltd. Co-op	7.50%	600 days · 600-day special deposit	11
31	Bandhan Bank Private	7.45%	2 years to less than 3 years	27
32	The Tiruvalla East Co-operative Bank Ltd. Co-op	7.45%	2 years to less than 3 years	–
33	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	12
34	Nilambur Co-operative Urban Bank Ltd. Co-op	7.35%	15 months	26
35	The Payyanur Co-operative Town Bank Ltd. Co-op	7.35%	1 year to less than 2 year	11
36	City Union Bank Private	7.30%	556 days to 3 years	21
37	Dhanlaxmi Bank Private	7.25%	1111 days · 1111-day Special	156
38	IDFC First Bank Private	7.25%	500 days – 2 years	17
39	IndusInd Bank Private	7.25%	2 years to 3 years	94
40	Karnataka Bank Private	7.25%	15 months only	21
41	Kottayam Co-operative Urban Bank Ltd. Co-op	7.25%	Above 5 year	11
42	Tamilnad Mercantile Bank Private	7.25%	567 days (TMB 567 Special Deposit scheme) · 567-day Special	26
43	The Feroke Co-operative Urban Bank Ltd. Co-op	7.25%	Above 2 year to 5 year	6
44	The Kodungallur Town Co-operative Bank Ltd. Co-op	7.25%	12 months to less than 24 months	17
45	The Meenachil East Urban Co-operative Bank Ltd. Co-op	7.25%	Above 1 year upto 2 years	20
46	The Muvattupuzha Urban Co-operative Bank Ltd. Co-op	7.25%	1 year to less than 2 years	13
47	The Vaikom Urban Co-operative Bank Ltd. Co-op	7.25%	366 days to 729 days	1
48	Yes Bank Private	7.25%	18 months 1 day < 24 months	26
49	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	22
50	Doha Bank Q.P.S.C. (India) Foreign	7.15%	400 days	1
51	Kerala Gramin Bank Rural	7.10%	444 days · KGB 444 days	636
52	Kerala State Co-operative Bank Co-op	7.10%	1 year to below 2 years	764
53	The Kannur Co-operative Urban Bank Ltd. Co-op	7.10%	12 months to 23 months	3
54	The Urban Co-operative Bank Ltd., Perinthalmanna Co-op	7.10%	above 13 months up to 3 years	24
55	Calicut Co-operative Urban Bank Ltd. Co-op	7.00%	12 months to 18 months	1
56	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	123
57	RBL Bank Private	7.00%	18 months to less than 60 months	27
58	The Kaduthuruthy Urban Co-operative Bank Ltd. Co-op	7.00%	365 days to 365 days	10
59	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	7
60	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	299
61	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	115
62	Tellicherry Co-operative Urban Bank Ltd. Co-op	6.85%	444 days · 444-day deposit	5
63	Federal Bank Private	6.80%	18 months	667
64	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	178
65	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	48
66	Punjab National Bank Public	6.80%	680 days	210
67	South Indian Bank Private	6.80%	30 months	513
68	Canara Bank Public	6.75%	555 days ## · Canara 555	807
69	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	191
70	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	2
71	UCO Bank Public	6.70%	535 days · UCO 535	67
72	Bank of Maharashtra Public	6.65%	400 days · 400-day special	61
73	Axis Bank Private	6.60%	2 years < 3 years	166
74	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	423
75	ICICI Bank Private	6.60%	3 years 1 day to 5 years	245
76	Standard Chartered India Foreign	6.60%	1yr - 376days*	3
77	IDBI Bank Private	6.55%	1100 days · 1100-day Special	102
78	Union Bank of India Public	6.55%	555 days · 555-Day Special	414
79	Bank of Bahrain & Kuwait B.S.C. (India) Foreign	6.50%	Above 1 year to 2 years	1
80	DBS Bank India Foreign	6.50%	501 days to 540 days	12
81	Pala Urban Co-operative Bank Ltd. Co-op	6.45%	2 year to less than 3 year	1
82	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	1276
83	HSBC India Foreign	6.40%	37 months to less than 48 months	2
84	Citibank N.A. (India) Foreign	2.00%	46 days to 60 days	1

State

Tenure

Deposit amount

84 banks we track have a branch in Kerala. 39 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 9.50% at Kattappana Urban 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 Kerala 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	Kerala Gramin Bank	7.10%	444 days
Co-op	Kerala State Co-operative Bank	7.10%	1 year to below 2 years
Co-op	Kattappana Urban Co-operative Bank Ltd.	9.50%	365 days and above
Foreign	Doha Bank Q.P.S.C. (India)	7.15%	400 days
Government Scheme	Post Office Savings Schemes	7.50%	5 years

FD rates in the districts of Kerala

Ernakulam51 banks8.25%Kottayam46 banks8.10%Palakkad42 banks8.10%Kannur40 banks8.10%Malappuram39 banks8.10%

All places

Frequently Asked Questions

Which bank has the highest FD rate in Kerala?

As of 14 Nov 2026, Kattappana Urban Co-operative Bank Ltd. pays the highest FD rate among banks with a branch in Kerala: 9.50% a year for general depositors. Next are Alwaye Urban Co-op Bank at 8.25% and Thodupuzha Urban Co-op Bank at 8.25%. Confirm the current rate with the bank before you invest.

How many banks have a branch in Kerala?

84 of the banks RateScan.in tracks have at least one branch in Kerala, counted from RBI's IFSC list: 39 co-operative and regional rural banks, and 45 public, private, small finance and other banks.

Are FDs at co-operative banks in Kerala 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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