FD rates in Odisha · November 2026

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

As of 14 Nov 2026, Suryoday Small Finance Bank pays the highest FD rate among banks with a branch in Odisha: 8.25% a year for general depositors. Next are Berhampur CCB at 8.25% and Ujjivan at 8.10%. Confirm the current rate with the bank before you invest.

Q: How many banks have a branch in Odisha?

61 of the banks RateScan.in tracks have at least one branch in Odisha, counted from RBI's IFSC list: 21 co-operative and regional rural banks, and 40 public, private, small finance and other banks.

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

61 banks with a branch in Odisha, ranked by their best fixed-deposit rate.

Banks in Odisha, ranked by FD rate

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

#	Bank	Rate	Applies to	Branches here
1	Suryoday Small Finance Bank Small Finance	8.25%	5 years	14
2	The Berhampur Central Co-operative Bank Ltd. Co-op	8.25%	999 days · 999-day special FD	1
3	Ujjivan Small Finance Bank Small Finance	8.10%	3 year 1 day – 3 year 6 months	28
4	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	104
5	CSB Bank Private	8.00%	501 days · 501-day Special	1
6	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	18
7	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	101
8	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	38
9	DCB Bank Private	7.75%	17 months to 20 months	55
10	Nayagarh District Central Co-operative Bank Co-op	7.50%	1 to 2 years	11
11	Post Office Savings Schemes Government Scheme	7.50%	5 years	8224
12	The Boudh Co-operative Central Bank Ltd. Co-op	7.50%	1 year to less than 2 year	–
13	The Cuttack Central Co-operative Bank Ltd. Co-op	7.50%	2 years to less than 3 years	–
14	The Sambalpur District Co-operative Central Bank Ltd. Co-op	7.50%	2 year to less than 3 year	33
15	Bandhan Bank Private	7.45%	2 years to less than 3 years	79
16	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	43
17	Balangir District Central Co-operative Bank Ltd. Co-op	7.30%	3 years to 5 years	–
18	City Union Bank Private	7.30%	556 days to 3 years	4
19	IDFC First Bank Private	7.25%	500 days – 2 years	48
20	IndusInd Bank Private	7.25%	2 years to 3 years	61
21	Karnataka Bank Private	7.25%	15 months only	10
22	Tamilnad Mercantile Bank Private	7.25%	567 days (TMB 567 Special Deposit scheme) · 567-day Special	1
23	The Aska Co-operative Central Bank Ltd. Co-op	7.25%	1 year to less than 2 years	–
24	The Balasore Bhadrak Central Co-operative Bank Ltd. Co-op	7.25%	1 year to less than 2 years	30
25	The Banki Central Co-operative Bank Ltd. Co-op	7.25%	1 year to less than 2 years	1
26	Yes Bank Private	7.25%	18 months 1 day < 24 months	15
27	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	4
28	Odisha State Co-operative Bank Co-op	7.15%	1 to less than 2 years	14
29	The Angul United Central Co-operative Bank Ltd. Co-op	7.15%	1 year · Non-callable special slab (1 year)	–
30	Keonjhar Central Co-operative Bank Ltd. Co-op	7.10%	2 years to less than 3 years	–
31	The Utkal Co-operative Bank Ltd. Co-op	7.10%	400 days · 400-day special deposit	2
32	Bhawanipatna Central Co-operative Bank Ltd. Co-op	7.00%	1 year to less than 2 years	–
33	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	105
34	RBL Bank Private	7.00%	18 months to less than 60 months	7
35	The Kendrapara Urban Co-operative Bank Ltd. Co-op	7.00%	Above 2 years to 3 years	6
36	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	29
37	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	248
38	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	275
39	Federal Bank Private	6.80%	18 months	31
40	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	202
41	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	33
42	Punjab National Bank Public	6.80%	680 days	411
43	South Indian Bank Private	6.80%	30 months	2
44	The Urban Co-operative Bank Ltd., Cuttack Co-op	6.80%	2 years to less than 3 years	–
45	Canara Bank Public	6.75%	555 days ## · Canara 555	332
46	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	141
47	The Jeypore Co-operative Urban Bank Ltd. Co-op	6.75%	2 years to less than 3 years	1
48	UCO Bank Public	6.70%	535 days · UCO 535	279
49	Bank of Maharashtra Public	6.65%	400 days · 400-day special	66
50	Axis Bank Private	6.60%	2 years < 3 years	265
51	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	259
52	ICICI Bank Private	6.60%	3 years 1 day to 5 years	207
53	Standard Chartered India Foreign	6.60%	1yr - 376days*	1
54	IDBI Bank Private	6.55%	1100 days · 1100-day Special	82
55	Union Bank of India Public	6.55%	555 days · 555-Day Special	389
56	DBS Bank India Foreign	6.50%	501 days to 540 days	6
57	The Urban Co-operative Bank Ltd., Rourkela Co-op	6.50%	3 years to 5 years	–
58	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	973
59	Odisha Grameen Bank Rural	6.05%	1 year	982
60	The Berhampur Co-operative Urban Bank Ltd. Co-op	6.00%	12 MONTHS AND ABOVE (MAXIMUM 120 MONTHS)	1
61	The Co-operative Urban Bank Ltd., Parlakhemundi Co-op	6.00%	12 months and above	–

State

Tenure

Deposit amount

61 banks we track have a branch in Odisha. 21 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 8.25% at Suryoday 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 Odisha 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
Rural	Odisha Grameen Bank	6.05%	1 year
Co-op	Odisha State Co-operative Bank	7.15%	1 to less than 2 years
Co-op	The Berhampur Central Co-operative Bank Ltd.	8.25%	999 days
Co-op	The Utkal Co-operative Bank Ltd.	7.10%	400 days
Foreign	Standard Chartered India	6.60%	1yr - 376days*
Government Scheme	Post Office Savings Schemes	7.50%	5 years

FD rates in the districts of Odisha

Cuttack43 banks8.25%Ganjam37 banks8.25%

All places

Frequently Asked Questions

Which bank has the highest FD rate in Odisha?

As of 14 Nov 2026, Suryoday Small Finance Bank pays the highest FD rate among banks with a branch in Odisha: 8.25% a year for general depositors. Next are Berhampur CCB 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 Odisha?

61 of the banks RateScan.in tracks have at least one branch in Odisha, counted from RBI's IFSC list: 21 co-operative and regional rural banks, and 40 public, private, small finance and other banks.

Are FDs at co-operative banks in Odisha 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.