FD rates in Mumbai · November 2026

134 banks with a branch in Mumbai, ranked by their best fixed-deposit rate.

Banks in Mumbai, ranked by FD rate

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

#BankRateApplies toBranches here
1
The ACE Co-operative Bank Ltd., Santacruz, Mumbai
Co-op
8.50% 24 months · ACE Amrit Deposit (simple interest) –
2
Suryoday Small Finance Bank
Small Finance
8.25% 5 years 2
3
Ujjivan Small Finance Bank
Small Finance
8.10% 3 year 1 day – 3 year 6 months 11
4
Utkarsh Small Finance Bank
Small Finance
8.10% 666 days · 666-day Special 12
5
CSB Bank
Private
8.00% 501 days · 501-day Special 42
6
ESAF Small Finance Bank
Small Finance
8.00% 800 days · 800-day Special 4
7
Jana Small Finance Bank
Small Finance
8.00% 3 years (1095 days) 15
8
Progressive Co-operative Bank Ltd., Mumbai
Co-op
8.00% 270 days · Specific Tenor Scheme (270 days) 6
9
The Muslim Co-operative Bank Ltd., Pune
Co-op
8.00% 5 years and above 1
10
Unity Small Finance Bank
Small Finance
8.00% 501 days · 501-day Special 39
11
DCB Bank
Private
7.75% 17 months to 20 months 27
12
Equitas Small Finance Bank
Small Finance
7.75% 888 days 16
13
Kunbi Sahakari Bank Ltd., Mumbai
Co-op
7.75% 15 months · 15-month deposit (simple interest) 5
14
The Ajara Urban Co-operative Bank Ltd.
Co-op
7.75% 24 months · Dhan Varsha (24 months) 2
15
The Vita Merchant's Co-operative Bank Ltd.
Co-op
7.75% 2 years to less than 3 years 1
16
SBM Bank (India) Ltd.
Foreign
7.65% 548 days to 732 days 1
17
Vima Kamgar Co-operative Bank Ltd.
Co-op
7.60% 37 MONTHS TO 60 MONTHS 2
18
Excellent Co-operative Bank Ltd., Mumbai
Co-op
7.50% Above 3 years 6
19
Hutatma Sahakari Bank Ltd., Walwa
Co-op
7.50% 14 months 1 day to 24 months 1
20
Post Office Savings Schemes
Government Scheme
7.50% 5 years 238
21
Samata Sahakari Bank Ltd.
Co-op
7.50% 1 year to less than 2 years 1
22
Shree Mahesh Co-operative Bank Ltd.
Co-op
7.50% 366 days to 1125 days 1
23
Sree Narayana Guru Co-operative Bank Ltd.
Co-op
7.50% above 3 years to 5 years 4
24
The Andhra Pradesh Mahesh Co-operative Urban Bank Ltd.
Co-op
7.50% Above 2 years & upto 3 years 1
25
The Nagpur Nagarik Sahakari Bank Ltd.
Co-op
7.50% 60 months (Kamdhenu) · Kamdhenu Deposit Scheme (Tax Saving u/s 80C) 1
26
The Naval Dockyard Co-operative Bank Ltd.
Co-op
7.50% 2 years to less than 3 years 6
27
The Pratap Co-operative Bank Ltd.
Co-op
7.50% 27 months to 36 months 7
28
The Rameshwar Co-operative Bank Ltd.
Co-op
7.50% 2 years to less than 5 years 1
29
Bandhan Bank
Private
7.45% 2 years to less than 3 years 31
30
Shri Arihant Co-operative Bank Ltd.
Co-op
7.45% 900 days · Arihant 900 7
31
AU Small Finance Bank
Small Finance
7.40% 30 months 1 day to 36 months 36
32
City Union Bank
Private
7.30% 556 days to 3 years 6
33
QNB (Q.P.S.C.) (India)
Foreign
7.30% 301 days to 330 days –
34
Saraswat Co-operative Bank Ltd.
Co-op
7.30% 730 days 135
35
The Kokan Mercantile Co-operative Bank Ltd.
Co-op
7.30% 5 years and above · Special QIDR (quarterly interest deposit) –
36
Vaishya Sahakari Bank Ltd., Mumbai
Co-op
7.30% above 12 months to 24 months · Monthly / quarterly interest payout (MIP / QIP) 4
37
Dhanlaxmi Bank
Private
7.25% 1111 days · 1111-day Special 14
38
IDFC First Bank
Private
7.25% 500 days – 2 years 52
39
IndusInd Bank
Private
7.25% 2 years to 3 years 74
40
Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd.
Co-op
7.25% 5 to 10 years · Tax Saving Deposit Scheme 2
41
Karnataka Bank
Private
7.25% 15 months only 17
42
Model Co-operative Bank Ltd., Mumbai
Co-op
7.25% 12 months to 18 months 23
43
Shalini Sahakari Bank Ltd.
Co-op
7.25% 2 years to Less than 3 years 1
44
Shamrao Vithal Co-operative Bank Ltd.
Co-op
7.25% 14 months to below 16 months 82
45
Tamilnad Mercantile Bank
Private
7.25% 567 days (TMB 567 Special Deposit scheme) · 567-day Special 11
46
The Cosmos Co-operative Bank Ltd.
Co-op
7.25% 445 days 38
47
The Janalaxmi Co-operative Bank Ltd.
Co-op
7.25% Above 2 years to 3 years 2
48
The Kurla Nagrik Sahakari Bank Ltd.
Co-op
7.25% above 12 months to 18 months 11
49
The Rajarambapu Sahakari Bank Ltd., Peth
Co-op
7.25% 48 months 1 day to 120 months 1
50
The Surat Peoples Co-operative Bank Ltd.
Co-op
7.25% 555 days · 555-days Deposit Scheme 1
51
The Sutex Co-operative Bank Ltd.
Co-op
7.25% Above 3 years and upto 10 years 1
52
Yes Bank
Private
7.25% 18 months 1 day < 24 months 75
53
Karur Vysya Bank
Private
7.20% 400 days · 400-day Special 17
54
Mumbai District Central Co-operative Bank
Co-op
7.20% Above 24 months to 36 months 57
55
Doha Bank Q.P.S.C. (India)
Foreign
7.15% 400 days 1
56
The Dattatraya Maharaj Kalambi Jaoli Sahakari Bank Ltd., Mumbai
Co-op
7.15% Above 2 years to 3 years 10
57
Dombivli Nagari Sahakari Bank Ltd.
Co-op
7.10% Above 2 years to 3 years 9
58
The Jain Sahakari Bank Ltd.
Co-op
7.10% 333 days · JSB Special Deposit Scheme –
59
The Nasik Merchants Co-operative Bank Ltd.
Co-op
7.10% Above 24 months to 36 months 1
60
Maharashtra State Co-operative Bank
Co-op
7.05% More than 1 year to up to 2 years 25
61
Central Bank of India
Public
7.00% 2222 days · Cent Green Deposit 74
62
Deutsche Bank India
Foreign
7.00% > 1 yr - 1.5 yrs 10
63
Greater Co-operative Bank Ltd.
Co-op
7.00% 1 year to less than 2 years 17
64
Janakalyan Sahakari Bank Ltd.
Co-op
7.00% More than 12 months to 18 months 22
65
NKGSB Co-operative Bank Ltd.
Co-op
7.00% 15 months 01 day – less than 16 months 37
66
RBL Bank
Private
7.00% 18 months to less than 60 months 47
67
Thane Bharat Sahakari Bank Ltd.
Co-op
7.00% 444 days · 444-day Special 7
68
The Ahmedabad Mercantile Co-operative Bank Ltd.
Co-op
7.00% 1 year 2
69
The Bharat Co-operative Bank (Mumbai) Ltd.
Co-op
7.00% Above 15 months to 2 years 50
70
The Deccan Merchants Co-operative Bank Ltd.
Co-op
7.00% 5 year to 10 year 7
71
The Karad Urban Co-operative Bank Ltd.
Co-op
7.00% Above 2 years to 3 years 1
72
The Municipal Co-operative Bank Ltd., Mumbai
Co-op
7.00% 2 years to less than 5 years 21
73
The Nutan Nagarik Sahakari Bank Ltd.
Co-op
7.00% Above 2 years to 3 years 1
74
TJSB Sahakari Bank Ltd.
Co-op
7.00% Above 24 months to 36 months 21
75
Apna Sahakari Bank Ltd.
Co-op
6.90% 25 months to 36 months 21
76
Bassein Catholic Co-operative Bank Ltd.
Co-op
6.90% Greater than 12 up to 18 months 9
77
Mashreqbank PSC (India)
Foreign
6.90% 391 days to 2 years 1
78
Punjab & Sind Bank
Public
6.90% 500 days · 500-Day Special 23
79
The Income Tax Department Co-operative Bank Ltd.
Co-op
6.90% Above 24 months to 36 months –
80
The Kalyan Janata Sahakari Bank Ltd.
Co-op
6.90% Above 1 year to 18 months 2
81
The Patan Co-operative Bank Ltd., Mumbai
Co-op
6.90% 2 year to less than 3 years 3
82
Bank of Baroda
Public
6.85% bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days 258
83
Bank of India
Public
6.85% 500 days(BOI Akshay Fixed Deposit) · 500-day Special 141
84
Industrial and Commercial Bank of China (India)
Foreign
6.85% 271 days to 365 days 1
85
Janaseva Sahakari Bank Ltd., Pune
Co-op
6.85% above 36 months to 60 months 1
86
Bombay Mercantile Co-operative Bank Ltd.
Co-op
6.80% 2 years to less than 3 years 20
87
Federal Bank
Private
6.80% 18 months 43
88
Indian Bank
Public
6.80% IND GROW (555 days) · IND GROW 75
89
Janaseva Sahakari Bank Ltd., Borivli
Co-op
6.80% 12 months to below 24 months –
90
Kotak Mahindra Bank
Private
6.80% 2 years- less than 3 years 141
91
Punjab National Bank
Public
6.80% 680 days 178
92
South Indian Bank
Private
6.80% 30 months 16
93
The Malad Sahakari Bank Ltd., Malad
Co-op
6.80% Above 1 year to 2 years 10
94
Canara Bank
Public
6.75% 555 days ## · Canara 555 175
95
GP Parsik Sahakari Bank Ltd.
Co-op
6.75% Above 3 years to 5 years 11
96
Indian Overseas Bank
Public
6.75% 444 days · 444-day Special 44
97
Jammu & Kashmir Bank
Private
6.75% 888 days · 888-day Special 16
98
Janata Sahakari Bank Ltd., Pune
Co-op
6.75% 2 year to less than 3 years 9
99
Mahesh Sahakari Bank Ltd., Pune
Co-op
6.75% 365 days to 15 months 1
100
Solapur Janata Sahakari Bank Ltd.
Co-op
6.75% More than 18 months up to 24 months 1
101
The Akola Janata Commercial Co-operative Bank Ltd.
Co-op
6.75% Above 5 years to 10 years 1
102
The GS Mahanagar Co-operative Bank Ltd.
Co-op
6.75% 14 months 17
103
The Kalupur Commercial Co-operative Bank Ltd.
Co-op
6.75% 1 year and up to 2 years 1
104
The Mehsana Urban Co-operative Bank Ltd.
Co-op
6.70% Above 2 years to 3 years 2
105
UCO Bank
Public
6.70% 535 days · UCO 535 34
106
Vasai Vikas Sahakari Bank Ltd.
Co-op
6.70% Above 18 months upto 24 months 1
107
Bank of Maharashtra
Public
6.65% 400 days · 400-day special 89
108
Axis Bank
Private
6.60% 2 years < 3 years 165
109
HDFC Bank
Private
6.60% 3 years 1 day to < 4 years 7 months 210
110
ICICI Bank
Private
6.60% 3 years 1 day to 5 years 246
111
PT Bank Maybank Indonesia Tbk (India)
Foreign
6.60% 271 days to 365 days –
112
Standard Chartered India
Foreign
6.60% 1yr - 376days* 18
113
Abhyudaya Co-operative Bank Ltd.
Co-op
6.55% Above 24 months to 36 months 39
114
IDBI Bank
Private
6.55% 1100 days · 1100-day Special 77
115
The Akola Urban Co-operative Bank Ltd.
Co-op
6.55% 1 year to less than 3 year 1
116
Union Bank of India
Public
6.55% 555 days · 555-Day Special 245
117
Bharati Sahakari Bank Ltd.
Co-op
6.50% 5 years and above · Tax Saver (80C) 1
118
DBS Bank India
Foreign
6.50% 501 days to 540 days 13
119
The Zoroastrian Co-operative Bank Ltd.
Co-op
6.50% Over 2 years up to 3 years 10
120
State Bank of India
Public
6.45% 444 days (Amrit Vrishti) · Amrit Vrishti 444 days 309
121
HSBC India
Foreign
6.40% 37 months to less than 48 months 12
122
Citizen Credit Co-operative Bank Ltd.
Co-op
6.35% 999 days · FD999 27
123
Australia and New Zealand Banking Group (India)
Foreign
6.15% 2556 days to 3650 days 1
124
Barclays Bank PLC (India)
Foreign
6.12% 6 years to 7 years 2
125
Sumitomo Mitsui Banking Corporation (India)
Foreign
5.65% 184 to 270 days 1
126
The Chembur Nagarik Sahakari Bank Ltd., Mumbai
Co-op
5.50% 1 year to 3 years 11
127
Mizuho Bank, Ltd. (India)
Foreign
5.40% Above 15 months to 18 months 2
128
MUFG Bank, Ltd. (India)
Foreign
5.20% Above 1 year up to 2 years 1
129
United Overseas Bank Limited (India)
Foreign
5.05% Above 1 year to 3 years –
130
J.P. Morgan Chase Bank, N.A. (India)
Foreign
4.56% 360 days to 365 days 1
131
BNP Paribas (India)
Foreign
4.00% 732 days to 1095 days 2
132
NatWest Markets Plc (India)
Foreign
3.50% 7 days to 14 days 3
133
Bank of America, N.A. (India)
Foreign
3.45% Above 5 years 1
134
Citibank N.A. (India)
Foreign
2.00% 46 days to 60 days 7

134 banks we track have a branch in Mumbai. 72 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 8.50% at The ACE Co-operative Bank Ltd., Santacruz, Mumbai.

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 Mumbai 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 Suryoday Small Finance Bank 8.25% 5 years
Co-op Maharashtra State Co-operative Bank 7.05% More than 1 year to up to 2 years
Co-op Mumbai District Central Co-operative Bank 7.20% Above 24 months to 36 months
Co-op The ACE Co-operative Bank Ltd., Santacruz, Mumbai 8.50% 24 months
Foreign SBM Bank (India) Ltd. 7.65% 548 days to 732 days
Government Scheme Post Office Savings Schemes 7.50% 5 years

More places in Maharashtra

Pune122 banks8.25%Thane98 banks8.25%Kolhapur88 banks8.50%Nashik85 banks9.25%Satara71 banks8.50%Raigad70 banks8.50%Nagpur69 banks8.10%Aurangabad68 banks8.10%Sangli67 banks9.00%Solapur67 banks8.50%Ahmednagar60 banks8.75%Jalgaon55 banks8.25%Amravati52 banks9.00%Nanded46 banks8.10%Akola45 banks8.10%Ratnagiri44 banks8.50%Jalna42 banks8.10%Osmanabad42 banks8.10%Latur41 banks8.00%Dhule38 banks8.25%Yavatmal37 banks8.10%Beed36 banks8.50%Chandrapur36 banks8.10%Sindhudurg36 banks8.50%

All of Maharashtra · All places

Frequently Asked Questions

Which bank has the highest FD rate in Mumbai?

As of 14 Nov 2026, The ACE Co-operative Bank Ltd., Santacruz, Mumbai pays the highest FD rate among banks with a branch in Mumbai: 8.50% a year for general depositors. Next are Suryoday at 8.25% and Ujjivan at 8.10%. Confirm the current rate with the bank before you invest.

How many banks have a branch in Mumbai?

134 of the banks RateScan.in tracks have at least one branch in Mumbai, counted from RBI's IFSC list: 72 co-operative and regional rural banks, and 62 public, private, small finance and other banks.

Are FDs at co-operative banks in Mumbai 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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