FD rates in Shivamogga · November 2026
40 banks with a branch in Shivamogga, ranked by their best fixed-deposit rate.
Banks in Shivamogga, 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 | 6 |
| 2 | Utkarsh Small Finance Bank
Small Finance |
8.10% | 666 days · 666-day Special | 1 |
| 3 | CSB Bank
Private |
8.00% | 501 days · 501-day Special | 1 |
| 4 | Jana Small Finance Bank
Small Finance |
8.00% | 3 years (1095 days) | 1 |
| 5 | 8.00% | 1096 days and above | 1 | |
| 6 | 8.00% | 1 year to 2 years | 1 | |
| 7 | Unity Small Finance Bank
Small Finance |
8.00% | 501 days · 501-day Special | 1 |
| 8 | DCB Bank
Private |
7.75% | 17 months to 20 months | 1 |
| 9 | Equitas Small Finance Bank
Small Finance |
7.75% | 888 days | 6 |
| 10 | Post Office Savings Schemes
Government Scheme |
7.50% | 5 years | 355 |
| 11 | 7.50% | Above 2 years to 5 years | 1 | |
| 12 | Bandhan Bank
Private |
7.45% | 2 years to less than 3 years | 1 |
| 13 | AU Small Finance Bank
Small Finance |
7.40% | 30 months 1 day to 36 months | 3 |
| 14 | City Union Bank
Private |
7.30% | 556 days to 3 years | 1 |
| 15 | IDFC First Bank
Private |
7.25% | 500 days – 2 years | 4 |
| 16 | IndusInd Bank
Private |
7.25% | 2 years to 3 years | 2 |
| 17 | Karnataka Bank
Private |
7.25% | 15 months only | 34 |
| 18 | Yes Bank
Private |
7.25% | 18 months 1 day < 24 months | 1 |
| 19 | Karur Vysya Bank
Private |
7.20% | 400 days · 400-day Special | 1 |
| 20 | Central Bank of India
Public |
7.00% | 2222 days · Cent Green Deposit | 1 |
| 21 | 7.00% | 1 to 2 years | 32 | |
| 22 | Bank of Baroda
Public |
6.85% | bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days | 23 |
| 23 | Bank of India
Public |
6.85% | 500 days(BOI Akshay Fixed Deposit) · 500-day Special | 3 |
| 24 | Federal Bank
Private |
6.80% | 18 months | 1 |
| 25 | Indian Bank
Public |
6.80% | IND GROW (555 days) · IND GROW | 4 |
| 26 | Kotak Mahindra Bank
Private |
6.80% | 2 years- less than 3 years | 4 |
| 27 | Punjab National Bank
Public |
6.80% | 680 days | 3 |
| 28 | South Indian Bank
Private |
6.80% | 30 months | 2 |
| 29 | Canara Bank
Public |
6.75% | 555 days ## · Canara 555 | 90 |
| 30 | Indian Overseas Bank
Public |
6.75% | 444 days · 444-day Special | 5 |
| 31 | Karnataka Grameena Bank
Rural |
6.75% | KGB-NIDHI (555 days)* · KGB-NIDHI 555 days | 42 |
| 32 | UCO Bank
Public |
6.70% | 535 days · UCO 535 | 1 |
| 33 | Bank of Maharashtra
Public |
6.65% | 400 days · 400-day special | 1 |
| 34 | Axis Bank
Private |
6.60% | 2 years < 3 years | 8 |
| 35 | HDFC Bank
Private |
6.60% | 3 years 1 day to < 4 years 7 months | 8 |
| 36 | ICICI Bank
Private |
6.60% | 3 years 1 day to 5 years | 8 |
| 37 | IDBI Bank
Private |
6.55% | 1100 days · 1100-day Special | 2 |
| 38 | Union Bank of India
Public |
6.55% | 555 days · 555-Day Special | 24 |
| 39 | DBS Bank India
Foreign |
6.50% | 501 days to 540 days | 1 |
| 40 | State Bank of India
Public |
6.45% | 444 days (Amrit Vrishti) · Amrit Vrishti 444 days | 48 |
40 banks we track have a branch in Shivamogga. 5 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 Shivamogga 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 | Karnataka Grameena Bank | 6.75% | KGB-NIDHI (555 days)* |
| Co-op | Shivamogga District Co-operative Central Bank | 7.00% | 1 to 2 years |
| Co-op | Sahyadri Mahila Urban Co-operative Bank Ltd., Shivamogga | 8.00% | 1096 days and above |
| Foreign | DBS Bank India | 6.50% | 501 days to 540 days |
| Government Scheme | Post Office Savings Schemes | 7.50% | 5 years |
More places in Karnataka
Frequently Asked Questions
Which bank has the highest FD rate in Shivamogga?
As of 14 Nov 2026, Ujjivan Small Finance Bank pays the highest FD rate among banks with a branch in Shivamogga: 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 Shivamogga?
40 of the banks RateScan.in tracks have at least one branch in Shivamogga, counted from RBI's IFSC list: 5 co-operative and regional rural banks, and 35 public, private, small finance and other banks.
Are FDs at co-operative banks in Shivamogga 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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