FD rates in Patna · November 2026

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

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

44 of the banks RateScan.in tracks have at least one branch in Patna, counted from RBI's IFSC list: 6 co-operative and regional rural banks, and 38 public, private, small finance and other banks.

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

44 banks with a branch in Patna, ranked by their best fixed-deposit rate.

Banks in Patna, 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	8
2	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	19
3	CSB Bank Private	8.00%	501 days · 501-day Special	1
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)	6
6	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	1
7	The Eastern Railway Employees' Co-operative Bank Ltd. Co-op	7.90%	1111 days (Sanchay Samriddhi)	1
8	DCB Bank Private	7.75%	17 months to 20 months	2
9	Post Office Savings Schemes Government Scheme	7.50%	5 years	447
10	The Tapindu Urban Co-operative Bank Ltd. Co-op	7.50%	1 year to less than 3 years	–
11	Bandhan Bank Private	7.45%	2 years to less than 3 years	20
12	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	6
13	City Union Bank Private	7.30%	556 days to 3 years	1
14	IDFC First Bank Private	7.25%	500 days – 2 years	7
15	IndusInd Bank Private	7.25%	2 years to 3 years	19
16	Karnataka Bank Private	7.25%	15 months only	1
17	Yes Bank Private	7.25%	18 months 1 day < 24 months	6
18	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	1
19	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	45
20	RBL Bank Private	7.00%	18 months to less than 60 months	3
21	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	11
22	The Bihar State Co-operative Bank Co-op	6.90%	444 days · Dhan Laxmi Deposits	–
23	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	67
24	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	51
25	Bombay Mercantile Co-operative Bank Ltd. Co-op	6.80%	2 years to less than 3 years	1
26	Federal Bank Private	6.80%	18 months	3
27	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	58
28	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	17
29	Punjab National Bank Public	6.80%	680 days	129
30	South Indian Bank Private	6.80%	30 months	2
31	Canara Bank Public	6.75%	555 days ## · Canara 555	72
32	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	19
33	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	1
34	UCO Bank Public	6.70%	535 days · UCO 535	20
35	Bank of Maharashtra Public	6.65%	400 days · 400-day special	14
36	Patliputra District Central Co-operative Bank Co-op	6.65%	1 to 2 years	6
37	Axis Bank Private	6.60%	2 years < 3 years	41
38	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	54
39	ICICI Bank Private	6.60%	3 years 1 day to 5 years	42
40	Standard Chartered India Foreign	6.60%	1yr - 376days*	1
41	Bihar Gramin Bank Rural	6.55%	1 year	–
42	IDBI Bank Private	6.55%	1100 days · 1100-day Special	23
43	Union Bank of India Public	6.55%	555 days · 555-Day Special	66
44	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	169

State

Tenure

Deposit amount

44 banks we track have a branch in Patna. 6 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 Patna 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	Bihar Gramin Bank	6.55%	1 year
Co-op	The Bihar State Co-operative Bank	6.90%	444 days
Co-op	Patliputra District Central Co-operative Bank	6.65%	1 to 2 years
Co-op	The Eastern Railway Employees' Co-operative Bank Ltd.	7.90%	1111 days (Sanchay Samriddhi)
Foreign	Standard Chartered India	6.60%	1yr - 376days*
Government Scheme	Post Office Savings Schemes	7.50%	5 years

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Frequently Asked Questions

Which bank has the highest FD rate in Patna?

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

44 of the banks RateScan.in tracks have at least one branch in Patna, counted from RBI's IFSC list: 6 co-operative and regional rural banks, and 38 public, private, small finance and other banks.

Are FDs at co-operative banks in Patna 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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