FD rates in Kottayam · November 2026

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

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

46 of the banks RateScan.in tracks have at least one branch in Kottayam, counted from RBI's IFSC list: 8 co-operative and regional rural banks, and 38 public, private, small finance and other banks.

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

46 banks with a branch in Kottayam, ranked by their best fixed-deposit rate.

Banks in Kottayam, 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	2
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	24
4	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	15
5	The Changanacherry Co-operative Urban Bank Ltd. Co-op	8.00%	360 days to 719 days	2
6	DCB Bank Private	7.75%	17 months to 20 months	1
7	Equitas Small Finance Bank Small Finance	7.75%	888 days	1
8	Post Office Savings Schemes Government Scheme	7.50%	5 years	408
9	Bandhan Bank Private	7.45%	2 years to less than 3 years	2
10	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	1
11	City Union Bank Private	7.30%	556 days to 3 years	1
12	Dhanlaxmi Bank Private	7.25%	1111 days · 1111-day Special	10
13	IDFC First Bank Private	7.25%	500 days – 2 years	1
14	IndusInd Bank Private	7.25%	2 years to 3 years	8
15	Karnataka Bank Private	7.25%	15 months only	1
16	Kottayam Co-operative Urban Bank Ltd. Co-op	7.25%	Above 5 year	11
17	Tamilnad Mercantile Bank Private	7.25%	567 days (TMB 567 Special Deposit scheme) · 567-day Special	2
18	The Meenachil East Urban Co-operative Bank Ltd. Co-op	7.25%	Above 1 year upto 2 years	20
19	The Vaikom Urban Co-operative Bank Ltd. Co-op	7.25%	366 days to 729 days	1
20	Yes Bank Private	7.25%	18 months 1 day < 24 months	2
21	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	2
22	Kerala Gramin Bank Rural	7.10%	444 days · KGB 444 days	37
23	Kerala State Co-operative Bank Co-op	7.10%	1 year to below 2 years	60
24	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	11
25	RBL Bank Private	7.00%	18 months to less than 60 months	2
26	The Kaduthuruthy Urban Co-operative Bank Ltd. Co-op	7.00%	365 days to 365 days	10
27	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	1
28	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	16
29	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	4
30	Federal Bank Private	6.80%	18 months	54
31	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	7
32	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	3
33	Punjab National Bank Public	6.80%	680 days	9
34	South Indian Bank Private	6.80%	30 months	53
35	Canara Bank Public	6.75%	555 days ## · Canara 555	54
36	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	11
37	UCO Bank Public	6.70%	535 days · UCO 535	4
38	Bank of Maharashtra Public	6.65%	400 days · 400-day special	5
39	Axis Bank Private	6.60%	2 years < 3 years	12
40	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	34
41	ICICI Bank Private	6.60%	3 years 1 day to 5 years	16
42	IDBI Bank Private	6.55%	1100 days · 1100-day Special	5
43	Union Bank of India Public	6.55%	555 days · 555-Day Special	32
44	DBS Bank India Foreign	6.50%	501 days to 540 days	1
45	Pala Urban Co-operative Bank Ltd. Co-op	6.45%	2 year to less than 3 year	1
46	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	139

State

Tenure

Deposit amount

46 banks we track have a branch in Kottayam. 8 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 Kottayam 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	The Changanacherry Co-operative Urban Bank Ltd.	8.00%	360 days to 719 days
Foreign	DBS Bank India	6.50%	501 days to 540 days
Government Scheme	Post Office Savings Schemes	7.50%	5 years

More places in Kerala

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

All of Kerala · All places

Frequently Asked Questions

Which bank has the highest FD rate in Kottayam?

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

46 of the banks RateScan.in tracks have at least one branch in Kottayam, counted from RBI's IFSC list: 8 co-operative and regional rural banks, and 38 public, private, small finance and other banks.

Are FDs at co-operative banks in Kottayam 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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