FD rates in Lucknow · November 2026

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

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

49 of the banks RateScan.in tracks have at least one branch in Lucknow, counted from RBI's IFSC list: 5 co-operative and regional rural banks, and 44 public, private, small finance and other banks.

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

49 banks with a branch in Lucknow, ranked by their best fixed-deposit rate.

Banks in Lucknow, 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	3
2	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	5
3	CSB Bank Private	8.00%	501 days · 501-day Special	4
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)	2
6	Northern Railway Multi State Primary Co-operative Bank Ltd. Co-op	8.00%	3 year to Less than 4 year	2
7	Shivalik Small Finance Bank Small Finance	8.00%	23 months 1 day to 27 months	3
8	U.P. Postal Primary Co-operative Bank Ltd., Lucknow Co-op	8.00%	3 years to 5 years	1
9	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	2
10	DCB Bank Private	7.75%	17 months to 20 months	2
11	Equitas Small Finance Bank Small Finance	7.75%	888 days	2
12	Post Office Savings Schemes Government Scheme	7.50%	5 years	287
13	Bandhan Bank Private	7.45%	2 years to less than 3 years	16
14	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	9
15	City Union Bank Private	7.30%	556 days to 3 years	5
16	Dhanlaxmi Bank Private	7.25%	1111 days · 1111-day Special	1
17	IDFC First Bank Private	7.25%	500 days – 2 years	11
18	IndusInd Bank Private	7.25%	2 years to 3 years	24
19	Karnataka Bank Private	7.25%	15 months only	2
20	Yes Bank Private	7.25%	18 months 1 day < 24 months	12
21	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	1
22	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	40
23	RBL Bank Private	7.00%	18 months to less than 60 months	5
24	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	20
25	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	101
26	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	65
27	Bombay Mercantile Co-operative Bank Ltd. Co-op	6.80%	2 years to less than 3 years	1
28	Federal Bank Private	6.80%	18 months	6
29	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	53
30	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	27
31	Punjab National Bank Public	6.80%	680 days	141
32	South Indian Bank Private	6.80%	30 months	2
33	Canara Bank Public	6.75%	555 days ## · Canara 555	81
34	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	46
35	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	3
36	UCO Bank Public	6.70%	535 days · UCO 535	43
37	Bank of Maharashtra Public	6.65%	400 days · 400-day special	17
38	Uttar Pradesh Gramin Bank Rural	6.65%	नवगौरव 444 दिवस जमा योजना · Navgaurav 444 days	–
39	Axis Bank Private	6.60%	2 years < 3 years	59
40	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	94
41	ICICI Bank Private	6.60%	3 years 1 day to 5 years	66
42	Nainital Bank Private	6.60%	Naini Samriddhi (444 days) · Naini Samriddhi	8
43	Standard Chartered India Foreign	6.60%	1yr - 376days*	1
44	IDBI Bank Private	6.55%	1100 days · 1100-day Special	12
45	Union Bank of India Public	6.55%	555 days · 555-Day Special	101
46	DBS Bank India Foreign	6.50%	501 days to 540 days	1
47	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	144
48	HSBC India Foreign	6.40%	37 months to less than 48 months	1
49	Uttar Pradesh State Co-operative Bank Co-op	6.40%	1 to 2 years	–

State

Tenure

Deposit amount

49 banks we track have a branch in Lucknow. 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 Lucknow 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	Uttar Pradesh Gramin Bank	6.65%	नवगौरव 444 दिवस जमा योजना
Co-op	Uttar Pradesh State Co-operative Bank	6.40%	1 to 2 years
Co-op	Northern Railway Multi State Primary Co-operative Bank Ltd.	8.00%	3 year to Less than 4 year
Foreign	Standard Chartered India	6.60%	1yr - 376days*
Government Scheme	Post Office Savings Schemes	7.50%	5 years

All of Uttar Pradesh · All places

Frequently Asked Questions

Which bank has the highest FD rate in Lucknow?

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

49 of the banks RateScan.in tracks have at least one branch in Lucknow, counted from RBI's IFSC list: 5 co-operative and regional rural banks, and 44 public, private, small finance and other banks.

Are FDs at co-operative banks in Lucknow 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.

Telegram Rate changes on TelegramFollow the channel →

Have feedback?

Tell us what would make RateScan.in more useful. No email required.