FD rates in Kolkata · November 2026

52 banks with a branch in Kolkata, ranked by their best fixed-deposit rate.

Banks in Kolkata, 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	11
2	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	8
3	CSB Bank Private	8.00%	501 days · 501-day Special	5
4	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	2
5	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	8
6	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	5
7	The Eastern Railway Employees' Co-operative Bank Ltd. Co-op	7.90%	1111 days (Sanchay Samriddhi)	2
8	DCB Bank Private	7.75%	17 months to 20 months	3
9	Post Office Savings Schemes Government Scheme	7.50%	5 years	237
10	The Samata Co-operative Development Bank Ltd. Co-op	7.50%	12 months to Less than 36 months	–
11	Bandhan Bank Private	7.45%	2 years to less than 3 years	68
12	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	17
13	City Union Bank Private	7.30%	556 days to 3 years	5
14	Dhanlaxmi Bank Private	7.25%	1111 days · 1111-day Special	2
15	IDFC First Bank Private	7.25%	500 days – 2 years	21
16	IndusInd Bank Private	7.25%	2 years to 3 years	42
17	Karnataka Bank Private	7.25%	15 months only	7
18	Tamilnad Mercantile Bank Private	7.25%	567 days (TMB 567 Special Deposit scheme) · 567-day Special	1
19	Yes Bank Private	7.25%	18 months 1 day < 24 months	22
20	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	10
21	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	53
22	Deutsche Bank India Foreign	7.00%	> 1 yr - 1.5 yrs	2
23	RBL Bank Private	7.00%	18 months to less than 60 months	15
24	Sonali Bank PLC (India) Foreign	7.00%	1 year to less than 2 years	–
25	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	21
26	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	111
27	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	79
28	Bombay Mercantile Co-operative Bank Ltd. Co-op	6.80%	2 years to less than 3 years	1
29	Federal Bank Private	6.80%	18 months	25
30	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	97
31	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	37
32	Punjab National Bank Public	6.80%	680 days	310
33	South Indian Bank Private	6.80%	30 months	10
34	West Bengal Gramin Bank Rural	6.80%	400 days	–
35	Canara Bank Public	6.75%	555 days ## · Canara 555	94
36	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	57
37	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	2
38	The Dhakuria Co-operative Bank Ltd., Kolkata Co-op	6.75%	Above 3 year to 5 years	1
39	UCO Bank Public	6.70%	535 days · UCO 535	83
40	Bank of Maharashtra Public	6.65%	400 days · 400-day special	24
41	Axis Bank Private	6.60%	2 years < 3 years	138
42	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	126
43	ICICI Bank Private	6.60%	3 years 1 day to 5 years	148
44	Standard Chartered India Foreign	6.60%	1yr - 376days*	16
45	IDBI Bank Private	6.55%	1100 days · 1100-day Special	29
46	Union Bank of India Public	6.55%	555 days · 555-Day Special	87
47	DBS Bank India Foreign	6.50%	501 days to 540 days	4
48	The West Bengal State Co-operative Bank Co-op	6.50%	1 year	14
49	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	239
50	HSBC India Foreign	6.40%	37 months to less than 48 months	2
51	The Bank Employees Co-operative Bank Ltd. Co-op	6.00%	1 year	–
52	Citibank N.A. (India) Foreign	2.00%	46 days to 60 days	1

State

Tenure

Deposit amount

52 banks we track have a branch in Kolkata. 7 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 Kolkata 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	West Bengal Gramin Bank	6.80%	400 days
Co-op	The West Bengal State Co-operative Bank	6.50%	1 year
Co-op	The Eastern Railway Employees' Co-operative Bank Ltd.	7.90%	1111 days (Sanchay Samriddhi)
Foreign	Deutsche Bank India	7.00%	> 1 yr - 1.5 yrs
Government Scheme	Post Office Savings Schemes	7.50%	5 years

More places in West Bengal

Paschim Medinipur31 banks8.10%Purba Medinipur30 banks8.10%

All of West Bengal · All places

Frequently Asked Questions

Which bank has the highest FD rate in Kolkata?

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

52 of the banks RateScan.in tracks have at least one branch in Kolkata, counted from RBI's IFSC list: 7 co-operative and regional rural banks, and 45 public, private, small finance and other banks.

Are FDs at co-operative banks in Kolkata 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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