FD rates in Meghalaya · November 2026

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

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

Q: How many banks have a branch in Meghalaya?

33 of the banks RateScan.in tracks have at least one branch in Meghalaya, counted from RBI's IFSC list: 4 co-operative and regional rural banks, and 29 public, private, small finance and other banks.

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

33 banks with a branch in Meghalaya, ranked by their best fixed-deposit rate.

Banks in Meghalaya, 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	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	2
4	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	1
5	Slice Small Finance Bank Small Finance	7.75%	1.5 years 1 day - 2 years	13
6	Post Office Savings Schemes Government Scheme	7.50%	5 years	501
7	Bandhan Bank Private	7.45%	2 years to less than 3 years	1
8	IDFC First Bank Private	7.25%	500 days – 2 years	1
9	IndusInd Bank Private	7.25%	2 years to 3 years	3
10	Yes Bank Private	7.25%	18 months 1 day < 24 months	1
11	The Shillong Co-operative Urban Bank Ltd. Co-op	7.10%	2 years to less than 3 years	–
12	Meghalaya Co-operative Apex Bank Co-op	7.05%	445 days · 445-Day Special	55
13	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	9
14	The Tura Urban Co-operative Bank Ltd. Co-op	7.00%	above 24 months up to 36 months	1
15	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	1
16	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	10
17	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	4
18	Federal Bank Private	6.80%	18 months	3
19	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	5
20	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	1
21	Punjab National Bank Public	6.80%	680 days	31
22	South Indian Bank Private	6.80%	30 months	1
23	Canara Bank Public	6.75%	555 days ## · Canara 555	15
24	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	3
25	Meghalaya Rural Bank Rural	6.75%	3 years and less than 5 years	–
26	UCO Bank Public	6.70%	535 days · UCO 535	8
27	Bank of Maharashtra Public	6.65%	400 days · 400-day special	1
28	Axis Bank Private	6.60%	2 years < 3 years	12
29	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	26
30	ICICI Bank Private	6.60%	3 years 1 day to 5 years	20
31	IDBI Bank Private	6.55%	1100 days · 1100-day Special	5
32	Union Bank of India Public	6.55%	555 days · 555-Day Special	10
33	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	115

State

Tenure

Deposit amount

33 banks we track have a branch in Meghalaya. 4 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 Meghalaya 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	Bandhan Bank	7.45%	2 years to less than 3 years
Small Finance	Ujjivan Small Finance Bank	8.10%	3 year 1 day – 3 year 6 months
Rural	Meghalaya Rural Bank	6.75%	3 years and less than 5 years
Co-op	Meghalaya Co-operative Apex Bank	7.05%	445 days
Co-op	The Shillong Co-operative Urban Bank Ltd.	7.10%	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 Meghalaya?

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

How many banks have a branch in Meghalaya?

33 of the banks RateScan.in tracks have at least one branch in Meghalaya, counted from RBI's IFSC list: 4 co-operative and regional rural banks, and 29 public, private, small finance and other banks.

Are FDs at co-operative banks in Meghalaya 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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