FD rates in West Bengal · November 2026

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

Banks in West Bengal, ranked by FD rate

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

#	Bank	Rate	Applies to	Branches here
1	The Kalna Town Credit Co-operative Bank Ltd. Co-op	9.00%	Above 5 years	1
2	Ujjivan Small Finance Bank Small Finance	8.10%	3 year 1 day – 3 year 6 months	99
3	Utkarsh Small Finance Bank Small Finance	8.10%	666 days · 666-day Special	17
4	CSB Bank Private	8.00%	501 days · 501-day Special	9
5	ESAF Small Finance Bank Small Finance	8.00%	800 days · 800-day Special	14
6	Jana Small Finance Bank Small Finance	8.00%	3 years (1095 days)	45
7	Unity Small Finance Bank Small Finance	8.00%	501 days · 501-day Special	11
8	The Eastern Railway Employees' Co-operative Bank Ltd. Co-op	7.90%	1111 days (Sanchay Samriddhi)	5
9	Malda District Central Co-operative Bank Co-op	7.80%	780 days	18
10	DCB Bank Private	7.75%	17 months to 20 months	7
11	Slice Small Finance Bank Small Finance	7.75%	1.5 years 1 day - 2 years	14
12	The Ghatal Peoples' Co-operative Bank Ltd. Co-op	7.75%	1 year to 2 years	1
13	Post Office Savings Schemes Government Scheme	7.50%	5 years	8819
14	The Samata Co-operative Development Bank Ltd. Co-op	7.50%	12 months to Less than 36 months	–
15	Bandhan Bank Private	7.45%	2 years to less than 3 years	558
16	AU Small Finance Bank Small Finance	7.40%	30 months 1 day to 36 months	59
17	City Union Bank Private	7.30%	556 days to 3 years	6
18	Dhanlaxmi Bank Private	7.25%	1111 days · 1111-day Special	5
19	IDFC First Bank Private	7.25%	500 days – 2 years	37
20	IndusInd Bank Private	7.25%	2 years to 3 years	103
21	Karnataka Bank Private	7.25%	15 months only	20
22	Tamilnad Mercantile Bank Private	7.25%	567 days (TMB 567 Special Deposit scheme) · 567-day Special	1
23	The Bankura Town Co-operative Bank Ltd. Co-op	7.25%	365 days	1
24	Yes Bank Private	7.25%	18 months 1 day < 24 months	44
25	Karur Vysya Bank Private	7.20%	400 days · 400-day Special	15
26	Raiganj Central Co-operative Bank Co-op	7.20%	777 days · 777-day High Income Deposit	15
27	Nabagram People's Co-operative Credit Bank Ltd. Co-op	7.10%	2 years to less than 3 years	1
28	Central Bank of India Public	7.00%	2222 days · Cent Green Deposit	321
29	Deutsche Bank India Foreign	7.00%	> 1 yr - 1.5 yrs	2
30	RBL Bank Private	7.00%	18 months to less than 60 months	23
31	Sonali Bank PLC (India) Foreign	7.00%	1 year to less than 2 years	–
32	The Nabadwip Co-operative Credit Bank Ltd. Co-op	7.00%	365 days to 729 days	–
33	Punjab & Sind Bank Public	6.90%	500 days · 500-Day Special	46
34	Bank of Baroda Public	6.85%	bob Golden Goal deposit Scheme (555 days) · bob Golden Goal 555 days	347
35	Bank of India Public	6.85%	500 days(BOI Akshay Fixed Deposit) · 500-day Special	378
36	Howrah District Central Co-operative Bank Ltd. Co-op	6.85%	333 days · Special Deposit (333 days)	13
37	Bombay Mercantile Co-operative Bank Ltd. Co-op	6.80%	2 years to less than 3 years	1
38	Federal Bank Private	6.80%	18 months	42
39	Indian Bank Public	6.80%	IND GROW (555 days) · IND GROW	591
40	Kotak Mahindra Bank Private	6.80%	2 years- less than 3 years	56
41	Punjab National Bank Public	6.80%	680 days	1271
42	South Indian Bank Private	6.80%	30 months	20
43	West Bengal Gramin Bank Rural	6.80%	400 days	–
44	Canara Bank Public	6.75%	555 days ## · Canara 555	480
45	Indian Overseas Bank Public	6.75%	444 days · 444-day Special	166
46	Jammu & Kashmir Bank Private	6.75%	888 days · 888-day Special	2
47	The Dhakuria Co-operative Bank Ltd., Kolkata Co-op	6.75%	Above 3 year to 5 years	1
48	Balitikuri Co-operative Bank Ltd. Co-op	6.70%	450 days · 450-day deposit	–
49	UCO Bank Public	6.70%	535 days · UCO 535	405
50	Bank of Maharashtra Public	6.65%	400 days · 400-day special	78
51	Axis Bank Private	6.60%	2 years < 3 years	454
52	HDFC Bank Private	6.60%	3 years 1 day to < 4 years 7 months	376
53	ICICI Bank Private	6.60%	3 years 1 day to 5 years	388
54	Standard Chartered India Foreign	6.60%	1yr - 376days*	17
55	The Darjeeling District Central Co-operative Bank Ltd. Co-op	6.60%	365 days	–
56	Hooghly District Central Co-operative Bank Ltd. Co-op	6.55%	1 year	20
57	IDBI Bank Private	6.55%	1100 days · 1100-day Special	124
58	Union Bank of India Public	6.55%	555 days · 555-Day Special	305
59	Vidyasagar Central Co-operative Bank Co-op	6.55%	1111 days (special scheme)	38
60	Balageria Central Co-operative Bank Ltd. Co-op	6.50%	1 year to less than 2 years	13
61	Contai Co-operative Bank Ltd. Co-op	6.50%	Above 3 years to 5 years	–
62	DBS Bank India Foreign	6.50%	501 days to 540 days	5
63	Khardah Co-operative Bank Ltd. Co-op	6.50%	2 years to less than 3 years	2
64	Mugberia Central Co-operative Bank Co-op	6.50%	36 months	11
65	Purulia Central Co-operative Bank Co-op	6.50%	365 days / 12 months / 1 year	8
66	The Boral Union Co-operative Bank Ltd. Co-op	6.50%	1 year to less than 2 years	–
67	The West Bengal State Co-operative Bank Co-op	6.50%	1 year	44
68	State Bank of India Public	6.45%	444 days (Amrit Vrishti) · Amrit Vrishti 444 days	1347
69	Tamluk Ghatal Central Co-operative Bank Co-op	6.45%	Above 24 months to less than 36 months	25
70	HSBC India Foreign	6.40%	37 months to less than 48 months	2
71	Burdwan District Central Co-operative Bank Ltd. Co-op	6.20%	1 year	44
72	The Bank Employees Co-operative Bank Ltd. Co-op	6.00%	1 year	–
73	The Birbhum District Central Co-operative Bank Ltd. Co-op	5.50%	3 years to 5 years	15
74	The Krishnagar City Co-operative Bank Ltd. Co-op	5.50%	1 year	–
75	Citibank N.A. (India) Foreign	2.00%	46 days to 60 days	1

State

Tenure

Deposit amount

75 banks we track have a branch in West Bengal. 29 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 9.00% at The Kalna Town Credit 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 West Bengal 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	West Bengal Gramin Bank	6.80%	400 days
Co-op	The West Bengal State Co-operative Bank	6.50%	1 year
Co-op	Malda District Central Co-operative Bank	7.80%	780 days
Co-op	The Kalna Town Credit Co-operative Bank Ltd.	9.00%	Above 5 years
Foreign	Deutsche Bank India	7.00%	> 1 yr - 1.5 yrs
Government Scheme	Post Office Savings Schemes	7.50%	5 years

FD rates in the districts of West Bengal

Kolkata52 banks8.10%Paschim Medinipur31 banks8.10%Purba Medinipur30 banks8.10%

All places

Frequently Asked Questions

Which bank has the highest FD rate in West Bengal?

As of 14 Nov 2026, The Kalna Town Credit Co-operative Bank Ltd. pays the highest FD rate among banks with a branch in West Bengal: 9.00% a year for general depositors. Next are Ujjivan at 8.10% and Utkarsh at 8.10%. Confirm the current rate with the bank before you invest.

How many banks have a branch in West Bengal?

75 of the banks RateScan.in tracks have at least one branch in West Bengal, counted from RBI's IFSC list: 29 co-operative and regional rural banks, and 46 public, private, small finance and other banks.

Are FDs at co-operative banks in West Bengal 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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