FD rates in Punjab · November 2026

69 banks with a branch in Punjab, ranked by their best fixed-deposit rate.

Banks in Punjab, 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	19
2	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	10
3	CSB Bank Private	8.00%	501 days · 501-day Special	12
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)	18
6	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	5
7	DCB Bank Private	7.75%	17 months to 20 months	20
8	Equitas Small Finance Bank Small Finance	7.75%	888 days	31
9	The Ferozepur Central Cooperative Bank Ltd. Co-op	7.55%	420 days · 420-day special	–
10	Post Office Savings Schemes Government Scheme	7.50%	5 years	3818
11	The Fazilka Central Co-operative Bank Ltd. Co-op	7.50%	600 days · 600-day deposit	24
12	The Mansa Central Co-operative Bank Ltd. Co-op	7.50%	750 days · 750-day deposit	–
13	Bandhan Bank Private	7.45%	2 years to less than 3 years	38
14	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	49
15	City Union Bank Private	7.30%	556 days to 3 years	8
16	Saraswat Co-operative Bank Ltd. Co-op	7.30%	730 days	1
17	The Hoshiarpur Central Cooperative Bank Ltd. Co-op	7.30%	400 days · 400-day special	–
18	Capital Small Finance Bank Small Finance	7.25%	600 days	175
19	Dhanlaxmi Bank Private	7.25%	1111 days · 1111-day Special	1
20	IDFC First Bank Private	7.25%	500 days – 2 years	37
21	IndusInd Bank Private	7.25%	2 years to 3 years	165
22	Karnataka Bank Private	7.25%	15 months only	7
23	Tamilnad Mercantile Bank Private	7.25%	567 days (TMB 567 Special Deposit scheme) · 567-day Special	1
24	Yes Bank Private	7.25%	18 months 1 day < 24 months	106
25	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	6
26	The Citizens Urban Co-operative Bank Ltd. Co-op	7.20%	2 years to less than 5 years	14
27	The Nakodar Hindu Urban Co-operative Bank Ltd. Co-op	7.20%	444 days · Amrit Vrishti (444 days)	1
28	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	143
29	Deutsche Bank India Foreign	7.00%	> 1 yr - 1.5 yrs	1
30	RBL Bank Private	7.00%	18 months to less than 60 months	18
31	Amritsar Central Co-operative Bank Ltd. Co-op	6.90%	455 days · 455 days	51
32	Muktsar Central Co-operative Bank Co-op	6.90%	1 year to less than 2 year	19
33	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	656
34	The Sangrur Central Cooperative Bank Ltd. Co-op	6.90%	400 days	–
35	The Tarn Taran Central Cooperative Bank Ltd. Co-op	6.90%	444 days · 444-day special	–
36	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	226
37	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	166
38	The Kapurthala Central Cooperative Bank Ltd. Co-op	6.85%	400 days · 400-day deposit (non-callable, fresh deposits)	–
39	Bathinda Central Co-operative Bank Ltd. Co-op	6.80%	400 days · 400-day deposit	37
40	Federal Bank Private	6.80%	18 months	41
41	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	211
42	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	139
43	Punjab Gramin Bank Rural	6.80%	399 days · 399-day Special	–
44	Punjab National Bank Public	6.80%	680 days	1118
45	South Indian Bank Private	6.80%	30 months	5
46	The Hindu Co-operative Bank Ltd. Co-op	6.80%	5 years upto 10 years	1
47	The Hindu Co-operative Bank Ltd., Pathankot Co-op	6.80%	5 years & upto 10 years	–
48	Canara Bank Public	6.75%	555 days ## · Canara 555	316
49	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	113
50	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	22
51	The Jalandhar Central Cooperative Bank Ltd. Co-op	6.75%	2 years and above	–
52	The Ludhiana Central Cooperative Bank Ltd. Co-op	6.75%	1 year	–
53	The Fatehgarh Sahib Central Cooperative Bank Ltd. Co-op	6.70%	1 year to less than 2 years	–
54	The Gurdaspur Central Cooperative Bank Ltd. Co-op	6.70%	1 year	–
55	The Ropar Central Cooperative Bank Ltd. Co-op	6.70%	Above 18 months to 2 years	–
56	UCO Bank Public	6.70%	535 days · UCO 535	180
57	Bank of Maharashtra Public	6.65%	400 days · 400-day special	71
58	Axis Bank Private	6.60%	2 years < 3 years	446
59	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	636
60	ICICI Bank Private	6.60%	3 years 1 day to 5 years	339
61	Standard Chartered India Foreign	6.60%	1yr - 376days*	3
62	The Patiala Central Cooperative Bank Ltd. Co-op	6.60%	440 days · Super Special Deposit Scheme (440 days)	–
63	IDBI Bank Private	6.55%	1100 days · 1100-day Special	87
64	Union Bank of India Public	6.55%	555 days · 555-Day Special	263
65	DBS Bank India Foreign	6.50%	501 days to 540 days	2
66	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	921
67	The Faridkot Central Cooperative Bank Ltd. Co-op	6.45%	375 days · 375-day deposit	–
68	HSBC India Foreign	6.40%	37 months to less than 48 months	1
69	The SAS Nagar Central Cooperative Bank Ltd. Co-op	6.40%	12 months to 18 months	–

State

Tenure

Deposit amount

69 banks we track have a branch in Punjab. 24 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 Punjab 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	Punjab Gramin Bank	6.80%	399 days
Co-op	The Ferozepur Central Cooperative Bank Ltd.	7.55%	420 days
Co-op	Saraswat Co-operative Bank Ltd.	7.30%	730 days
Foreign	Deutsche Bank India	7.00%	> 1 yr - 1.5 yrs
Government Scheme	Post Office Savings Schemes	7.50%	5 years

All places

Frequently Asked Questions

Which bank has the highest FD rate in Punjab?

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

69 of the banks RateScan.in tracks have at least one branch in Punjab, counted from RBI's IFSC list: 24 co-operative and regional rural banks, and 45 public, private, small finance and other banks.

Are FDs at co-operative banks in Punjab 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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