FD rates in Uttarakhand · November 2026

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

As of 14 Nov 2026, Ujjivan Small Finance Bank pays the highest FD rate among banks with a branch in Uttarakhand: 8.10% a year for general depositors. Next are Utkarsh at 8.10% and ESAF at 8.00%. Confirm the current rate with the bank before you invest.

Q: How many banks have a branch in Uttarakhand?

51 of the banks RateScan.in tracks have at least one branch in Uttarakhand, counted from RBI's IFSC list: 10 co-operative and regional rural banks, and 41 public, private, small finance and other banks.

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

51 banks with a branch in Uttarakhand, ranked by their best fixed-deposit rate.

Banks in Uttarakhand, 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	7
2	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	27
3	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	6
4	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	6
5	Shivalik Small Finance Bank Small Finance	8.00%	23 months 1 day to 27 months	3
6	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	1
7	DCB Bank Private	7.75%	17 months to 20 months	1
8	Equitas Small Finance Bank Small Finance	7.75%	888 days	1
9	Post Office Savings Schemes Government Scheme	7.50%	5 years	2729
10	The Uttrakhand Co-operative Bank Ltd., Rishikesh Co-op	7.50%	above 2 YEARS TO 5 YEARS	1
11	Bandhan Bank Private	7.45%	2 years to less than 3 years	22
12	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	4
13	City Union Bank Private	7.30%	556 days to 3 years	3
14	IDFC First Bank Private	7.25%	500 days – 2 years	11
15	IndusInd Bank Private	7.25%	2 years to 3 years	23
16	Karnataka Bank Private	7.25%	15 months only	4
17	Tamilnad Mercantile Bank Private	7.25%	567 days (TMB 567 Special Deposit scheme) · 567-day Special	1
18	Yes Bank Private	7.25%	18 months 1 day < 24 months	47
19	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	1
20	District Co-operative Bank Ltd., Dehradun Co-op	7.10%	Above 1 year to less than 2 years	19
21	Pithoragarh Zila Sahkari Bank Ltd. Co-op	7.05%	Above 1 year to 2 years	25
22	Almora Urban Co-operative Bank Ltd. Co-op	7.00%	1 year to 2 years	68
23	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	42
24	RBL Bank Private	7.00%	18 months to less than 60 months	2
25	The Kurmanchal Nagar Sahkari Bank Ltd., Nainital Co-op	7.00%	1 year to 2 years	–
26	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	49
27	Udham Singh Nagar District Co-operative Bank Ltd. Co-op	6.90%	Above 1 year to less than 2 years	–
28	Uttarkashi Zila Sahkari Bank Ltd. Co-op	6.90%	500 days · Special Deposit Scheme (500 days, non-callable)	16
29	Zila Sahkari Bank Ltd., Garhwal (Kotdwar) Co-op	6.90%	444 days · Special term deposit (444 days)	–
30	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	162
31	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	46
32	Federal Bank Private	6.80%	18 months	4
33	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	50
34	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	17
35	Punjab National Bank Public	6.80%	680 days	335
36	South Indian Bank Private	6.80%	30 months	1
37	Canara Bank Public	6.75%	555 days ## · Canara 555	164
38	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	50
39	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	3
40	Uttarakhand State Co-operative Bank Co-op	6.75%	1 year	14
41	UCO Bank Public	6.70%	535 days · UCO 535	61
42	Bank of Maharashtra Public	6.65%	400 days · 400-day special	41
43	Axis Bank Private	6.60%	2 years < 3 years	81
44	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	120
45	ICICI Bank Private	6.60%	3 years 1 day to 5 years	46
46	Nainital Bank Private	6.60%	Naini Samriddhi (444 days) · Naini Samriddhi	100
47	Standard Chartered India Foreign	6.60%	1yr - 376days*	1
48	IDBI Bank Private	6.55%	1100 days · 1100-day Special	38
49	Union Bank of India Public	6.55%	555 days · 555-Day Special	122
50	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	451
51	Uttarakhand Gramin Bank Rural	6.45%	2 years to less than 3 years	–

State

Tenure

Deposit amount

51 banks we track have a branch in Uttarakhand. 10 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 Uttarakhand 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	DCB Bank	7.75%	17 months to 20 months
Small Finance	Ujjivan Small Finance Bank	8.10%	3 year 1 day – 3 year 6 months
Rural	Uttarakhand Gramin Bank	6.45%	2 years to less than 3 years
Co-op	Uttarakhand State Co-operative Bank	6.75%	1 year
Co-op	District Co-operative Bank Ltd., Dehradun	7.10%	Above 1 year to less than 2 years
Co-op	The Uttrakhand Co-operative Bank Ltd., Rishikesh	7.50%	above 2 YEARS TO 5 YEARS
Foreign	Standard Chartered India	6.60%	1yr - 376days*
Government Scheme	Post Office Savings Schemes	7.50%	5 years

FD rates in the districts of Uttarakhand

Dehradun45 banks8.10%

All places

Frequently Asked Questions

Which bank has the highest FD rate in Uttarakhand?

As of 14 Nov 2026, Ujjivan Small Finance Bank pays the highest FD rate among banks with a branch in Uttarakhand: 8.10% a year for general depositors. Next are Utkarsh at 8.10% and ESAF at 8.00%. Confirm the current rate with the bank before you invest.

How many banks have a branch in Uttarakhand?

51 of the banks RateScan.in tracks have at least one branch in Uttarakhand, counted from RBI's IFSC list: 10 co-operative and regional rural banks, and 41 public, private, small finance and other banks.

Are FDs at co-operative banks in Uttarakhand 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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