FD rates in Kota · November 2026

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

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

40 of the banks RateScan.in tracks have at least one branch in Kota, counted from RBI's IFSC list: 5 co-operative and regional rural banks, and 35 public, private, small finance and other banks.

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

40 banks with a branch in Kota, ranked by their best fixed-deposit rate.

Banks in Kota, 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	1
2	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	1
3	CSB Bank Private	8.00%	501 days · 501-day Special	1
4	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	1
5	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	1
6	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	2
7	DCB Bank Private	7.75%	17 months to 20 months	1
8	Equitas Small Finance Bank Small Finance	7.75%	888 days	2
9	Post Office Savings Schemes Government Scheme	7.50%	5 years	178
10	The Railway Employees' Co-operative Bank Ltd., Jaipur Co-op	7.50%	Above 1 year to 5 years	1
11	Bandhan Bank Private	7.45%	2 years to less than 3 years	3
12	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	8
13	City Union Bank Private	7.30%	556 days to 3 years	1
14	IDFC First Bank Private	7.25%	500 days – 2 years	2
15	IndusInd Bank Private	7.25%	2 years to 3 years	7
16	Karnataka Bank Private	7.25%	15 months only	1
17	Yes Bank Private	7.25%	18 months 1 day < 24 months	4
18	Baran Nagrik Sahakari Bank Ltd. Co-op	7.00%	above 1 year to 3 years	1
19	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	23
20	RBL Bank Private	7.00%	18 months to less than 60 months	1
21	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	1
22	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	17
23	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	13
24	Federal Bank Private	6.80%	18 months	1
25	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	4
26	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	5
27	Punjab National Bank Public	6.80%	680 days	24
28	Canara Bank Public	6.75%	555 days ## · Canara 555	14
29	Central Co-operative Bank Kota Co-op	6.75%	1 year to 3 years	11
30	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	1
31	The Kota Nagarik Sahakari Bank Ltd., Kota Co-op	6.75%	1 year to less than 2 years	9
32	UCO Bank Public	6.70%	535 days · UCO 535	8
33	Bank of Maharashtra Public	6.65%	400 days · 400-day special	4
34	Axis Bank Private	6.60%	2 years < 3 years	9
35	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	23
36	ICICI Bank Private	6.60%	3 years 1 day to 5 years	26
37	IDBI Bank Private	6.55%	1100 days · 1100-day Special	2
38	Union Bank of India Public	6.55%	555 days · 555-Day Special	13
39	Rajasthan Gramin Bank Rural	6.50%	3 years to less than 5 years	49
40	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	51

State

Tenure

Deposit amount

40 banks we track have a branch in Kota. 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 Kota 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	Rajasthan Gramin Bank	6.50%	3 years to less than 5 years
Co-op	Central Co-operative Bank Kota	6.75%	1 year to 3 years
Co-op	The Railway Employees' Co-operative Bank Ltd., Jaipur	7.50%	Above 1 year to 5 years
Government Scheme	Post Office Savings Schemes	7.50%	5 years

More places in Rajasthan

Jaipur58 banks8.10%Jodhpur45 banks8.10%Udaipur41 banks8.10%Dausa30 banks8.10%

All of Rajasthan · All places

Frequently Asked Questions

Which bank has the highest FD rate in Kota?

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

40 of the banks RateScan.in tracks have at least one branch in Kota, counted from RBI's IFSC list: 5 co-operative and regional rural banks, and 35 public, private, small finance and other banks.

Are FDs at co-operative banks in Kota 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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