FD rates in Vadodara · November 2026

75 banks with a branch in Vadodara, ranked by their best fixed-deposit rate.

Banks in Vadodara, ranked by FD rate

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

#BankRateApplies toBranches 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 3
3
CSB Bank
Private
8.00% 501 days · 501-day Special 2
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) 3
6
Unity Small Finance Bank
Small Finance
8.00% 501 days · 501-day Special 2
7
Akhand Anand Co-Operative Bank Ltd.
Co-op
7.85% 1 year up to less than 2 year 1
8
DCB Bank
Private
7.75% 17 months to 20 months 3
9
Equitas Small Finance Bank
Small Finance
7.75% 888 days 8
10
Post Office Savings Schemes
Government Scheme
7.50% 5 years 661
11
Bandhan Bank
Private
7.45% 2 years to less than 3 years 7
12
AU Small Finance Bank
Small Finance
7.40% 30 months 1 day to 36 months 19
13
Banaskantha District Central Co-operative Bank Ltd.
Co-op
7.40% 2 years to 3 years 1
14
City Union Bank
Private
7.30% 556 days to 3 years 3
15
Saraswat Co-operative Bank Ltd.
Co-op
7.30% 730 days 4
16
Dhanlaxmi Bank
Private
7.25% 1111 days · 1111-day Special 1
17
IDFC First Bank
Private
7.25% 500 days – 2 years 12
18
IndusInd Bank
Private
7.25% 2 years to 3 years 18
19
Karnataka Bank
Private
7.25% 15 months only 3
20
Prime Co-operative Bank Ltd.
Co-op
7.25% above 1 years to 3 years 10
21
Shamrao Vithal Co-operative Bank Ltd.
Co-op
7.25% 14 months to below 16 months 2
22
Tamilnad Mercantile Bank
Private
7.25% 567 days (TMB 567 Special Deposit scheme) · 567-day Special 1
23
The Cosmos Co-operative Bank Ltd.
Co-op
7.25% 445 days 5
24
The Sankheda Nagarik Sahakari Bank Ltd.
Co-op
7.25% 36 months and above 2
25
Uma Co-operative Bank Ltd., Vadodara
Co-op
7.25% 25 months to 36 months 5
26
Yes Bank
Private
7.25% 18 months 1 day < 24 months 27
27
Karur Vysya Bank
Private
7.20% 400 days · 400-day Special 2
28
The Baroda City Co-operative Bank Ltd.
Co-op
7.10% For 730 days · Dhan Varsha 8
29
Central Bank of India
Public
7.00% 2222 days · Cent Green Deposit 39
30
M. S. Co-operative Bank Ltd.
Co-op
7.00% Above 2 years to 3 years –
31
NKGSB Co-operative Bank Ltd.
Co-op
7.00% 15 months 01 day – less than 16 months 1
32
RBL Bank
Private
7.00% 18 months to less than 60 months 6
33
Shree Bharat Co-operative Bank Ltd.
Co-op
7.00% 2 years to 3 years 2
34
Shri Chhani Nagrik Sahakari Bank Ltd.
Co-op
7.00% 25 months and Above –
35
The Ahmedabad Mercantile Co-operative Bank Ltd.
Co-op
7.00% 1 year 2
36
The Bharat Co-operative Bank (Mumbai) Ltd.
Co-op
7.00% Above 15 months to 2 years 2
37
The Makarpura Industrial Estate Co-operative Bank Ltd.
Co-op
7.00% 3 years and above –
38
The Padra Nagar Nagrik Sahakari Bank Ltd.
Co-op
7.00% 13 MONTHS TO 36 MONTHS –
39
TJSB Sahakari Bank Ltd.
Co-op
7.00% Above 24 months to 36 months 2
40
Punjab & Sind Bank
Public
6.90% 500 days · 500-Day Special 3
41
Bank of Baroda
Public
6.85% bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days 182
42
Bank of India
Public
6.85% 500 days(BOI Akshay Fixed Deposit) · 500-day Special 40
43
Bombay Mercantile Co-operative Bank Ltd.
Co-op
6.80% 2 years to less than 3 years 1
44
Federal Bank
Private
6.80% 18 months 6
45
Indian Bank
Public
6.80% IND GROW (555 days) · IND GROW 14
46
Kotak Mahindra Bank
Private
6.80% 2 years- less than 3 years 29
47
Punjab National Bank
Public
6.80% 680 days 34
48
South Indian Bank
Private
6.80% 30 months 1
49
Canara Bank
Public
6.75% 555 days ## · Canara 555 31
50
Gujarat Gramin Bank
Rural
6.75% Udan for 444 days · GGB Udan 444 days –
51
Gujarat State Co-operative Bank Ltd
Co-op
6.75% 12 months (365 days) 1
52
Indian Overseas Bank
Public
6.75% 444 days · 444-day Special 17
53
Jammu & Kashmir Bank
Private
6.75% 888 days · 888-day Special 1
54
Sulaimani Co-operative Bank Ltd.
Co-op
6.75% 365 days (1 year) –
55
The Co-Operative Bank of Rajkot Ltd.
Co-op
6.75% above 12 months up to 24 months 4
56
The Kalupur Commercial Co-operative Bank Ltd.
Co-op
6.75% 1 year and up to 2 years 5
57
The Mehsana Urban Co-operative Bank Ltd.
Co-op
6.70% Above 2 years to 3 years 3
58
UCO Bank
Public
6.70% 535 days · UCO 535 15
59
Bank of Maharashtra
Public
6.65% 400 days · 400-day special 14
60
Baroda District Central Co-operative Bank Ltd.
Co-op
6.65% 2 to 3 years 18
61
Shree Co-operative Bank Ltd., Vadodara
Co-op
6.65% 37 months –
62
Axis Bank
Private
6.60% 2 years < 3 years 47
63
HDFC Bank
Private
6.60% 3 years 1 day to < 4 years 7 months 87
64
ICICI Bank
Private
6.60% 3 years 1 day to 5 years 71
65
Standard Chartered India
Foreign
6.60% 1yr - 376days* 1
66
Abhyudaya Co-operative Bank Ltd.
Co-op
6.55% Above 24 months to 36 months 1
67
IDBI Bank
Private
6.55% 1100 days · 1100-day Special 14
68
Union Bank of India
Public
6.55% 555 days · 555-Day Special 51
69
Alavi Co-Operative Bank Ltd.
Co-op
6.50% From 1 year to 5 year –
70
DBS Bank India
Foreign
6.50% 501 days to 540 days 2
71
Shree Savli Nagrik Sahakari Bank Ltd.
Co-op
6.50% Above 1 year 1
72
State Bank of India
Public
6.45% 444 days (Amrit Vrishti) · Amrit Vrishti 444 days 147
73
HSBC India
Foreign
6.40% 37 months to less than 48 months 1
74
Shree Vardhaman Sahakari Bank Ltd.
Co-op
6.00% 1 YEAR up to 3 YEAR –
75
Citibank N.A. (India)
Foreign
2.00% 46 days to 60 days 1

75 banks we track have a branch in Vadodara. 31 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 Vadodara 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 Gujarat Gramin Bank 6.75% Udan for 444 days
Co-op Gujarat State Co-operative Bank Ltd 6.75% 12 months (365 days)
Co-op Banaskantha District Central Co-operative Bank Ltd. 7.40% 2 years to 3 years
Co-op Akhand Anand Co-Operative Bank Ltd. 7.85% 1 year up to less than 2 year
Foreign Standard Chartered India 6.60% 1yr - 376days*
Government Scheme Post Office Savings Schemes 7.50% 5 years

More places in Gujarat

Ahmedabad98 banks8.50%Surat76 banks8.10%Rajkot57 banks8.10%Mehsana54 banks8.10%Gandhinagar52 banks8.10%Anand51 banks8.10%Sabarkantha48 banks8.10%Jamnagar47 banks8.10%Bhavnagar45 banks8.10%Kheda45 banks8.10%Valsad45 banks8.10%Kutch44 banks8.10%Patan40 banks8.10%Banaskantha39 banks8.00%Junagadh39 banks8.00%Bharuch38 banks8.10%Navsari38 banks8.10%Panchmahal38 banks8.10%Amreli29 banks7.75%Dahod29 banks8.25%

All of Gujarat · All places

Frequently Asked Questions

Which bank has the highest FD rate in Vadodara?

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

75 of the banks RateScan.in tracks have at least one branch in Vadodara, counted from RBI's IFSC list: 31 co-operative and regional rural banks, and 44 public, private, small finance and other banks.

Are FDs at co-operative banks in Vadodara 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.

Telegram Rate changes on TelegramFollow the channel →