FD rates in Ratnagiri · November 2026

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

Banks in Ratnagiri, ranked by FD rate

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

#BankRateApplies toBranches here
1
Dapoli Urban Co-operative Bank Ltd.
Co-op
8.50% 18 months · International Co-operative Year term deposit scheme (limited period) 12
2
Rajapur Urban Co-operative Bank Ltd., Rajapur
Co-op
8.50% above 3 years to 5 years 8
3
CSB Bank
Private
8.00% 501 days · 501-day Special 3
4
ESAF Small Finance Bank
Small Finance
8.00% 800 days · 800-day Special 1
5
Swatantrya Senani Late Shripal Alase (Kaka) Kurundwad Urban Co-operative Bank Ltd.
Co-op
8.00% above 1 year to 2 years 1
6
Unity Small Finance Bank
Small Finance
8.00% 501 days · 501-day Special 1
7
Equitas Small Finance Bank
Small Finance
7.75% 888 days 2
8
Post Office Savings Schemes
Government Scheme
7.50% 5 years 662
9
Ratnagiri District Central Co-operative Bank Ltd.
Co-op
7.50% 181 days to 365 days 77
10
Bandhan Bank
Private
7.45% 2 years to less than 3 years 2
11
AU Small Finance Bank
Small Finance
7.40% 30 months 1 day to 36 months 5
12
Saraswat Co-operative Bank Ltd.
Co-op
7.30% 730 days 5
13
IndusInd Bank
Private
7.25% 2 years to 3 years 6
14
Shamrao Vithal Co-operative Bank Ltd.
Co-op
7.25% 14 months to below 16 months 17
15
Tamilnad Mercantile Bank
Private
7.25% 567 days (TMB 567 Special Deposit scheme) · 567-day Special 1
16
The Chiplun Urban Co-operative Bank Ltd.
Co-op
7.25% 2 years 1 day to 3 years –
17
Yes Bank
Private
7.25% 18 months 1 day < 24 months 2
18
Dombivli Nagari Sahakari Bank Ltd.
Co-op
7.10% Above 2 years to 3 years 2
19
Central Bank of India
Public
7.00% 2222 days · Cent Green Deposit 10
20
NKGSB Co-operative Bank Ltd.
Co-op
7.00% 15 months 01 day – less than 16 months 1
21
Rajarshi Shahu Government Servants' Co-operative Bank Ltd., Kolhapur
Co-op
7.00% above 12 months to 2 years 1
22
The Karad Urban Co-operative Bank Ltd.
Co-op
7.00% Above 2 years to 3 years 2
23
TJSB Sahakari Bank Ltd.
Co-op
7.00% Above 24 months to 36 months 3
24
Apna Sahakari Bank Ltd.
Co-op
6.90% 25 months to 36 months 4
25
Punjab & Sind Bank
Public
6.90% 500 days · 500-Day Special 1
26
Bank of Baroda
Public
6.85% bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days 9
27
Bank of India
Public
6.85% 500 days(BOI Akshay Fixed Deposit) · 500-day Special 62
28
Federal Bank
Private
6.80% 18 months 2
29
Indian Bank
Public
6.80% IND GROW (555 days) · IND GROW 2
30
Kotak Mahindra Bank
Private
6.80% 2 years- less than 3 years 5
31
Punjab National Bank
Public
6.80% 680 days 5
32
South Indian Bank
Private
6.80% 30 months 1
33
Canara Bank
Public
6.75% 555 days ## · Canara 555 16
34
Indian Overseas Bank
Public
6.75% 444 days · 444-day Special 1
35
Janata Sahakari Bank Ltd., Pune
Co-op
6.75% 2 year to less than 3 years 11
36
Maharashtra Gramin Bank
Rural
6.70% 444 days · MahaGB 444 days 27
37
UCO Bank
Public
6.70% 535 days · UCO 535 2
38
Bank of Maharashtra
Public
6.65% 400 days · 400-day special 30
39
Axis Bank
Private
6.60% 2 years < 3 years 5
40
HDFC Bank
Private
6.60% 3 years 1 day to < 4 years 7 months 16
41
ICICI Bank
Private
6.60% 3 years 1 day to 5 years 13
42
IDBI Bank
Private
6.55% 1100 days · 1100-day Special 12
43
Union Bank of India
Public
6.55% 555 days · 555-Day Special 16
44
State Bank of India
Public
6.45% 444 days (Amrit Vrishti) · Amrit Vrishti 444 days 21

44 banks we track have a branch in Ratnagiri. 15 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 Dapoli Urban Co-operative Bank Ltd..

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 Ratnagiri 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 ESAF Small Finance Bank 8.00% 800 days
Rural Maharashtra Gramin Bank 6.70% 444 days
Co-op Ratnagiri District Central Co-operative Bank Ltd. 7.50% 181 days to 365 days
Co-op Dapoli Urban Co-operative Bank Ltd. 8.50% 18 months
Government Scheme Post Office Savings Schemes 7.50% 5 years

More places in Maharashtra

Mumbai134 banks8.50%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%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 Ratnagiri?

As of 14 Nov 2026, Dapoli Urban Co-operative Bank Ltd. pays the highest FD rate among banks with a branch in Ratnagiri: 8.50% a year for general depositors. Next are Rajapur Urban Bank at 8.50% and CSB at 8.00%. Confirm the current rate with the bank before you invest.

How many banks have a branch in Ratnagiri?

44 of the banks RateScan.in tracks have at least one branch in Ratnagiri, counted from RBI's IFSC list: 15 co-operative and regional rural banks, and 29 public, private, small finance and other banks.

Are FDs at co-operative banks in Ratnagiri 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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