FD rates in Kutch · November 2026

44 banks with a branch in Kutch, ranked by their best fixed-deposit rate.

Banks in Kutch, ranked by FD rate

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

#BankRateApplies toBranches here
1
Ujjivan Small Finance Bank
Small Finance
8.10% 3 year 1 day – 3 year 6 months 2
2
Jana Small Finance Bank
Small Finance
8.00% 3 years (1095 days) 2
3
The Bhuj Mercantile Co-operative Bank Ltd.
Co-op
8.00% From 1096 days to 2555 days 6
4
DCB Bank
Private
7.75% 17 months to 20 months 2
5
Post Office Savings Schemes
Government Scheme
7.50% 5 years 494
6
Bandhan Bank
Private
7.45% 2 years to less than 3 years 8
7
AU Small Finance Bank
Small Finance
7.40% 30 months 1 day to 36 months 3
8
City Union Bank
Private
7.30% 556 days to 3 years 3
9
IDFC First Bank
Private
7.25% 500 days – 2 years 2
10
IndusInd Bank
Private
7.25% 2 years to 3 years 8
11
Karnataka Bank
Private
7.25% 15 months only 1
12
Tamilnad Mercantile Bank
Private
7.25% 567 days (TMB 567 Special Deposit scheme) · 567-day Special 1
13
The Cosmos Co-operative Bank Ltd.
Co-op
7.25% 445 days 2
14
The Kachchh District Central Co-operative Bank Ltd.
Co-op
7.25% 1 year to Less than 2 years 17
15
Yes Bank
Private
7.25% 18 months 1 day < 24 months 3
16
Karur Vysya Bank
Private
7.20% 400 days · 400-day Special 1
17
Central Bank of India
Public
7.00% 2222 days · Cent Green Deposit 16
18
Rajkot District Central Co-operative Bank
Co-op
7.00% 2 to 3 years 3
19
RBL Bank
Private
7.00% 18 months to less than 60 months 3
20
The Gandhidham Mercantile Co-operative Bank Ltd.
Co-op
7.00% 10 years · Double (10 years) 1
21
TJSB Sahakari Bank Ltd.
Co-op
7.00% Above 24 months to 36 months 1
22
Punjab & Sind Bank
Public
6.90% 500 days · 500-Day Special 4
23
Bank of Baroda
Public
6.85% bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days 100
24
Bank of India
Public
6.85% 500 days(BOI Akshay Fixed Deposit) · 500-day Special 24
25
Federal Bank
Private
6.80% 18 months 3
26
Indian Bank
Public
6.80% IND GROW (555 days) · IND GROW 5
27
Kotak Mahindra Bank
Private
6.80% 2 years- less than 3 years 5
28
Punjab National Bank
Public
6.80% 680 days 11
29
South Indian Bank
Private
6.80% 30 months 2
30
Canara Bank
Public
6.75% 555 days ## · Canara 555 9
31
Gujarat Gramin Bank
Rural
6.75% Udan for 444 days · GGB Udan 444 days –
32
Indian Overseas Bank
Public
6.75% 444 days · 444-day Special 6
33
The Mehsana Urban Co-operative Bank Ltd.
Co-op
6.70% Above 2 years to 3 years 2
34
UCO Bank
Public
6.70% 535 days · UCO 535 3
35
Bank of Maharashtra
Public
6.65% 400 days · 400-day special 3
36
Axis Bank
Private
6.60% 2 years < 3 years 28
37
HDFC Bank
Private
6.60% 3 years 1 day to < 4 years 7 months 34
38
ICICI Bank
Private
6.60% 3 years 1 day to 5 years 20
39
IDBI Bank
Private
6.55% 1100 days · 1100-day Special 6
40
Union Bank of India
Public
6.55% 555 days · 555-Day Special 13
41
DBS Bank India
Foreign
6.50% 501 days to 540 days 1
42
The Gandhidham Co-op Bank Ltd.
Co-op
6.50% 12 months to 36 months 4
43
State Bank of India
Public
6.45% 444 days (Amrit Vrishti) · Amrit Vrishti 444 days 47
44
The Mandvi Mercantile Co-operative Bank Ltd.
Co-op
6.10% 37 month up to 60 month 1

44 banks we track have a branch in Kutch. 10 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 Kutch 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 DCB Bank 7.75% 17 months to 20 months
Small Finance Ujjivan Small Finance Bank 8.10% 3 year 1 day – 3 year 6 months
Rural Gujarat Gramin Bank 6.75% Udan for 444 days
Co-op The Kachchh District Central Co-operative Bank Ltd. 7.25% 1 year to Less than 2 years
Co-op The Bhuj Mercantile Co-operative Bank Ltd. 8.00% From 1096 days to 2555 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 Gujarat

Ahmedabad98 banks8.50%Surat76 banks8.10%Vadodara75 banks8.10%Rajkot57 banks8.10%Mehsana54 banks8.10%Gandhinagar52 banks8.10%Anand51 banks8.10%Sabarkantha48 banks8.10%Jamnagar47 banks8.10%Bhavnagar45 banks8.10%Kheda45 banks8.10%Valsad45 banks8.10%Patan40 banks8.10%Banaskantha39 banks8.00%Junagadh39 banks8.00%Bharuch38 banks8.10%Navsari38 banks8.10%Panchmahal38 banks8.10%Amreli29 banks7.75%Dahod29 banks8.25%

All of Gujarat · All places

Frequently Asked Questions

Which bank has the highest FD rate in Kutch?

As of 14 Nov 2026, Ujjivan Small Finance Bank pays the highest FD rate among banks with a branch in Kutch: 8.10% a year for general depositors. Next are Jana at 8.00% and Bhuj Mercantile Bank at 8.00%. Confirm the current rate with the bank before you invest.

How many banks have a branch in Kutch?

44 of the banks RateScan.in tracks have at least one branch in Kutch, counted from RBI's IFSC list: 10 co-operative and regional rural banks, and 34 public, private, small finance and other banks.

Are FDs at co-operative banks in Kutch 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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