FD rates in Ladakh · November 2026

16 banks with a branch in Ladakh, ranked by their best fixed-deposit rate.

Banks in Ladakh, ranked by FD rate

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

#BankRateApplies toBranches here
1
Post Office Savings Schemes
Government Scheme
7.50% 5 years 111
2
Bandhan Bank
Private
7.45% 2 years to less than 3 years 1
3
IndusInd Bank
Private
7.25% 2 years to 3 years 2
4
Yes Bank
Private
7.25% 18 months 1 day < 24 months 1
5
Punjab & Sind Bank
Public
6.90% 500 days · 500-Day Special 1
6
Bank of Baroda
Public
6.85% bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days 1
7
Bank of India
Public
6.85% 500 days(BOI Akshay Fixed Deposit) · 500-day Special 1
8
Punjab National Bank
Public
6.80% 680 days 5
9
Canara Bank
Public
6.75% 555 days ## · Canara 555 2
10
Jammu & Kashmir Bank
Private
6.75% 888 days · 888-day Special 72
11
Bank of Maharashtra
Public
6.65% 400 days · 400-day special 1
12
Axis Bank
Private
6.60% 2 years < 3 years 4
13
HDFC Bank
Private
6.60% 3 years 1 day to < 4 years 7 months 1
14
ICICI Bank
Private
6.60% 3 years 1 day to 5 years 4
15
Union Bank of India
Public
6.55% 555 days · 555-Day Special 1
16
State Bank of India
Public
6.45% 444 days (Amrit Vrishti) · Amrit Vrishti 444 days 16

16 banks we track have a branch in Ladakh. As of 14 Nov 2026, the highest FD rate here is 7.50% at Post Office Savings Schemes.

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 Ladakh by type of bank

The highest rate in each group, among banks with a branch here.

Public Punjab & Sind Bank 6.90% 500 days
Private Bandhan Bank 7.45% 2 years to less than 3 years
Government Scheme Post Office Savings Schemes 7.50% 5 years

All places

Frequently Asked Questions

Which bank has the highest FD rate in Ladakh?

As of 14 Nov 2026, Post Office Savings Schemes pays the highest FD rate among banks with a branch in Ladakh: 7.50% a year for general depositors. Next are Bandhan at 7.45% and IndusInd at 7.25%. Confirm the current rate with the bank before you invest.

How many banks have a branch in Ladakh?

16 of the banks RateScan.in tracks have at least one branch in Ladakh, counted from RBI's IFSC list: 0 co-operative and regional rural banks, and 16 public, private, small finance and other banks.

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