FD rates in North Goa · November 2026

Q: Which bank has the highest FD rate in North Goa?

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

Q: How many banks have a branch in North Goa?

46 of the banks RateScan.in tracks have at least one branch in North Goa, counted from RBI's IFSC list: 11 co-operative and regional rural banks, and 35 public, private, small finance and other banks.

Q: Are FDs at co-operative banks in North Goa 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.

46 banks with a branch in North Goa, ranked by their best fixed-deposit rate.

Banks in North Goa, ranked by FD rate

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

#	Bank	Rate	Applies to	Branches here
1	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	1
2	CSB Bank Private	8.00%	501 days · 501-day Special	2
3	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	3
4	DCB Bank Private	7.75%	17 months to 20 months	2
5	Post Office Savings Schemes Government Scheme	7.50%	5 years	140
6	Bandhan Bank Private	7.45%	2 years to less than 3 years	2
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	1
9	Saraswat Co-operative Bank Ltd. Co-op	7.30%	730 days	7
10	Dhanlaxmi Bank Private	7.25%	1111 days · 1111-day Special	1
11	IDFC First Bank Private	7.25%	500 days – 2 years	4
12	IndusInd Bank Private	7.25%	2 years to 3 years	8
13	Karnataka Bank Private	7.25%	15 months only	3
14	Shamrao Vithal Co-operative Bank Ltd. Co-op	7.25%	14 months to below 16 months	1
15	The Goa Urban Co-operative Bank Ltd. Co-op	7.25%	18 months · FBLOSSOM Quarterly Payout Scheme	6
16	Yes Bank Private	7.25%	18 months 1 day < 24 months	4
17	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	2
18	Bicholim Urban Co-operative Bank Ltd. Co-op	7.00%	Above 12 months upto 24 months	7
19	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	14
20	Goa State Co-operative Bank Co-op	7.00%	1 year and above	31
21	NKGSB Co-operative Bank Ltd. Co-op	7.00%	15 months 01 day – less than 16 months	2
22	RBL Bank Private	7.00%	18 months to less than 60 months	5
23	The Women's Co-operative Bank Ltd., Panaji Co-op	7.00%	Above 12 months upto 24 months	–
24	TJSB Sahakari Bank Ltd. Co-op	7.00%	Above 24 months to 36 months	6
25	Apna Sahakari Bank Ltd. Co-op	6.90%	25 months to 36 months	1
26	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	1
27	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	31
28	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	28
29	Federal Bank Private	6.80%	18 months	3
30	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	3
31	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	5
32	Punjab National Bank Public	6.80%	680 days	11
33	South Indian Bank Private	6.80%	30 months	2
34	Canara Bank Public	6.75%	555 days ## · Canara 555	47
35	GP Parsik Sahakari Bank Ltd. Co-op	6.75%	Above 3 years to 5 years	1
36	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	13
37	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	1
38	UCO Bank Public	6.70%	535 days · UCO 535	3
39	Bank of Maharashtra Public	6.65%	400 days · 400-day special	16
40	Axis Bank Private	6.60%	2 years < 3 years	12
41	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	45
42	ICICI Bank Private	6.60%	3 years 1 day to 5 years	24
43	IDBI Bank Private	6.55%	1100 days · 1100-day Special	5
44	Union Bank of India Public	6.55%	555 days · 555-Day Special	34
45	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	51
46	Citizen Credit Co-operative Bank Ltd. Co-op	6.35%	999 days · FD999	3

State

Tenure

Deposit amount

46 banks we track have a branch in North Goa. 11 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 Utkarsh 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 North Goa 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	Utkarsh Small Finance Bank	8.10%	666 days
Co-op	Goa State Co-operative Bank	7.00%	1 year and above
Co-op	Saraswat Co-operative Bank Ltd.	7.30%	730 days
Government Scheme	Post Office Savings Schemes	7.50%	5 years

More places in Goa

South Goa42 banks8.10%

All of Goa · All places

Frequently Asked Questions

Which bank has the highest FD rate in North Goa?

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

How many banks have a branch in North Goa?

46 of the banks RateScan.in tracks have at least one branch in North Goa, counted from RBI's IFSC list: 11 co-operative and regional rural banks, and 35 public, private, small finance and other banks.

Are FDs at co-operative banks in North Goa 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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