FD rates in South Goa · November 2026

Q: Which bank has the highest FD rate in South Goa?

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

42 of the banks RateScan.in tracks have at least one branch in South Goa, counted from RBI's IFSC list: 9 co-operative and regional rural banks, and 33 public, private, small finance and other banks.

Q: Are FDs at co-operative banks in South Goa 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.

42 banks with a branch in South Goa, ranked by their best fixed-deposit rate.

Banks in South Goa, 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	1
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	2
4	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	1
5	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	3
6	DCB Bank Private	7.75%	17 months to 20 months	2
7	Post Office Savings Schemes Government Scheme	7.50%	5 years	117
8	Bandhan Bank Private	7.45%	2 years to less than 3 years	1
9	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	1
10	Saraswat Co-operative Bank Ltd. Co-op	7.30%	730 days	4
11	IDFC First Bank Private	7.25%	500 days – 2 years	3
12	IndusInd Bank Private	7.25%	2 years to 3 years	7
13	Karnataka Bank Private	7.25%	15 months only	4
14	Shamrao Vithal Co-operative Bank Ltd. Co-op	7.25%	14 months to below 16 months	1
15	The Goa Urban Co-operative Bank Ltd. Co-op	7.25%	18 months · FBLOSSOM Quarterly Payout Scheme	9
16	Yes Bank Private	7.25%	18 months 1 day < 24 months	5
17	Bicholim Urban Co-operative Bank Ltd. Co-op	7.00%	Above 12 months upto 24 months	4
18	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	16
19	Goa State Co-operative Bank Co-op	7.00%	1 year and above	27
20	NKGSB Co-operative Bank Ltd. Co-op	7.00%	15 months 01 day – less than 16 months	3
21	RBL Bank Private	7.00%	18 months to less than 60 months	3
22	TJSB Sahakari Bank Ltd. Co-op	7.00%	Above 24 months to 36 months	10
23	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	1
24	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	27
25	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	23
26	Federal Bank Private	6.80%	18 months	4
27	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	5
28	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	4
29	Punjab National Bank Public	6.80%	680 days	10
30	South Indian Bank Private	6.80%	30 months	3
31	Canara Bank Public	6.75%	555 days ## · Canara 555	39
32	GP Parsik Sahakari Bank Ltd. Co-op	6.75%	Above 3 years to 5 years	2
33	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	16
34	UCO Bank Public	6.70%	535 days · UCO 535	8
35	Bank of Maharashtra Public	6.65%	400 days · 400-day special	11
36	Axis Bank Private	6.60%	2 years < 3 years	10
37	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	36
38	ICICI Bank Private	6.60%	3 years 1 day to 5 years	20
39	IDBI Bank Private	6.55%	1100 days · 1100-day Special	7
40	Union Bank of India Public	6.55%	555 days · 555-Day Special	33
41	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	44
42	Citizen Credit Co-operative Bank Ltd. Co-op	6.35%	999 days · FD999	2

State

Tenure

Deposit amount

42 banks we track have a branch in South Goa. 9 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 South Goa 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
Co-op	Goa State Co-operative Bank	7.00%	1 year and above
Co-op	Saraswat Co-operative Bank Ltd.	7.30%	730 days
Government Scheme	Post Office Savings Schemes	7.50%	5 years

More places in Goa

North Goa46 banks8.10%

All of Goa · All places

Frequently Asked Questions

Which bank has the highest FD rate in South Goa?

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

42 of the banks RateScan.in tracks have at least one branch in South Goa, counted from RBI's IFSC list: 9 co-operative and regional rural banks, and 33 public, private, small finance and other banks.

Are FDs at co-operative banks in South Goa 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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