Best Savings Account rates · October 2026

Compare savings account interest rates across India's banks.

Rates updated 19 Oct 2026

Best Savings Account rates

Ranked across India's banks · Dataset refreshed 19 Oct 2026

#BankRateApplies to
1 Andhra Pradesh State Co-operative Bank
Co-operative Andhra Pradesh
 5.00% Any tenure
2 Jilla Sahakari Kendriya Bank Maryadit, Betul
Co-operative Madhya Pradesh
 5.00% Savings account
3 Bandhan Bank
Private Nationwide
 4.85% Any tenure
4 Fino Payments Bank
Payments Bank Nationwide
 4.50% Any tenure
5 Jana Small Finance Bank
Small Finance Nationwide
 4.50% Any tenure
6 Chittoor District Co-operative Central Bank Ltd.
Co-operative Andhra Pradesh
 4.00% Savings account
7 IndusInd Bank
Private Nationwide
 4.00% Any tenure
8 Jilla Sahakari Kendriya Bank Maryadit, Dewas
Co-operative Madhya Pradesh
 4.00% Savings account
9 Jilla Sahakari Kendriya Bank Maryadit, Jhabua
Co-operative Madhya Pradesh
 4.00% Savings account
10 Krishna District Central Co-operative Bank
Co-operative Andhra Pradesh
 4.00% Savings account
11 Magadh District Central Co-operative Bank
Co-operative Bihar
 4.00% Savings account
12 Post Office Savings Schemes
Government Scheme
4.00% Any tenure
13 South Canara District Central Co-operative Bank
Co-operative Karnataka
 4.00% Savings account
14 Tamil Nadu Grama Bank
Regional Rural Tamil Nadu
 4.00% Any tenure
15 The Bapunagar Mahila Co-operative Bank Ltd.
Co-operative Gujarat
 4.00% Any tenure
16 The West Bengal State Co-operative Bank
Co-operative West Bengal
 4.00% Any tenure
17 Kadapa District Co-operative Central Bank Ltd.
Co-operative Andhra Pradesh
 3.75% Savings account
18 Andaman & Nicobar State Co-operative Bank
Co-operative Andaman and Nicobar Islands
 3.50% Any tenure
19 Central Co-operative Bank Pali
Co-operative Rajasthan
 3.50% Savings account
20 Central Co-operative Bank Sawai Madhopur
Co-operative Rajasthan
 3.50% Savings account
21 Faridabad Central Co-operative Bank Ltd.
Co-operative Haryana
 3.50% Savings account
22 Hooghly District Central Co-operative Bank Ltd.
Co-operative West Bengal
 3.50% Savings account
23 Kaithal District Central Co-operative Bank
Co-operative Haryana
 3.50% Savings account
24 Kurnool District Central Co-operative Bank
Co-operative Andhra Pradesh
 3.50% Savings account
25 Shivamogga District Co-operative Central Bank
Co-operative Karnataka
 3.50% Savings account
26 Sitamarhi District Central Co-operative Bank
Co-operative Bihar
 3.50% Savings account
27 The Andhra Pradesh Mahesh Co-operative Urban Bank Ltd.
Co-operative Telangana +1 state
 3.50% Any tenure
28 The Churu Central Co-operative Bank Ltd.
Co-operative Rajasthan
 3.50% Savings account
29 Goa State Co-operative Bank
Co-operative Goa
 3.25% Any tenure
30 Kakinada District Co-operative Central Bank Ltd.
Co-operative Andhra Pradesh
 3.25% Savings account
31 Nellore District Central Co-operative Bank
Co-operative Andhra Pradesh
 3.25% Savings account
32 Odisha State Co-operative Bank
Co-operative Odisha
 3.25% Any tenure
33 Rajkot District Central Co-operative Bank
Co-operative Gujarat
 3.25% Savings account
34 Rohtak District Central Co-operative Bank
Co-operative Haryana
 3.25% Savings account
35 The Ahmedabad Mercantile Co-operative Bank Ltd.
Co-operative Gujarat
 3.25% Any tenure
36 The Banaskantha Mercantile Co-operative Bank Ltd.
Co-operative Gujarat
 3.25% Any tenure
37 The Surat Peoples Co-operative Bank Ltd.
Co-operative Gujarat +1 state
 3.25% Any tenure
38 Bangalore & Bangalore Rural District Co-op Central Bank Ltd.
Co-operative Karnataka
 3.10% Any tenure
39 District Co-operative Bank Pilibhit
Co-operative Uttar Pradesh
 3.10% Savings account
40 Jilla Sahakari Kendriya Bank Maryadit, Raisen
Co-operative Madhya Pradesh
 3.10% Savings account
41 Ahmednagar District Central Co-operative Bank Ltd.
Co-operative Maharashtra
 3.00% Any tenure
42 Akhand Anand Co-Operative Bank Ltd.
Co-operative Gujarat
 3.00% Any tenure
43 Alavi Co-Operative Bank Ltd.
Co-operative Gujarat
 3.00% Any tenure
44 Aligarh Zilla Sahakari Bank Ltd.
Co-operative Uttar Pradesh
 3.00% Any tenure
45 Arunachal Pradesh State Co-operative Apex Bank
Co-operative Arunachal Pradesh
 3.00% Any tenure
46 Ballia District Central Co-operative Bank Ltd.
Co-operative Uttar Pradesh
 3.00% Any tenure
47 Banaskantha District Central Co-operative Bank Ltd.
Co-operative Gujarat
 3.00% Any tenure
48 Belgaum District Central Co-operative Bank Ltd.
Co-operative Karnataka
 3.00% Any tenure
49 Bharatpur Central Co-operative Bank Ltd.
Co-operative Rajasthan
 3.00% Any tenure
50 Bhiwani Central Co-operative Bank Ltd.
Co-operative Haryana
 3.00% Any tenure
51 Chikkamagaluru District Co-operative Central Bank Ltd.
Co-operative Karnataka
 3.00% Savings account
52 Citizen Credit Co-operative Bank Ltd.
Co-operative Maharashtra
 3.00% Any tenure
53 Davangere District Co-operative Central Bank Ltd.
Co-operative Karnataka
 3.00% Savings account
54 District Co-operative Bank Lakhimpur Kheri
Co-operative Uttar Pradesh
 3.00% Savings account
55 District Co-operative Bank Ltd. Deoria
Co-operative Uttar Pradesh
 3.00% Savings account
56 District Co-operative Bank Ltd. Farrukhabad
Co-operative Uttar Pradesh
 3.00% Savings account
57 District Co-operative Bank Siddharth Nagar
Co-operative Uttar Pradesh
 3.00% Savings account
58 Hamirpur District Co-operative Bank Ltd.
Co-operative Uttar Pradesh
 3.00% Savings account
59 Hardoi District Co-operative Bank Ltd.
Co-operative Uttar Pradesh
 3.00% Savings account
60 Hissar District Central Co-operative Bank Ltd.
Co-operative Haryana
 3.00% Savings account
61 Jharkhand State Co-operative Bank
Co-operative Jharkhand
 3.00% Any tenure
62 Jilla Sahakari Kendriya Bank Maryadit, Chhatarpur
Co-operative Madhya Pradesh
 3.00% Savings account
63 Kolar and Chikkaballapur District Central Co-operative Bank
Co-operative Karnataka
 3.00% Savings account
64 Kolhapur District Central Co-operative Bank Ltd.
Co-operative Maharashtra
 3.00% Savings account
65 Kurukshetra District Central Co-operative Bank
Co-operative Haryana
 3.00% Savings account
66 Mahabubnagar District Central Co-operative Bank
Co-operative Telangana
 3.00% Savings account
67 Mahendragarh District Central Co-operative Bank
Co-operative Haryana
 3.00% Savings account
68 Manipur State Co-operative Bank
Co-operative Manipur
 3.00% Any tenure
69 Mumbai District Central Co-operative Bank
Co-operative Maharashtra
 3.00% Savings account
70 Mysore City District Co-operative Central Bank
Co-operative Karnataka
 3.00% Savings account
71 Nagpur District Central Co-operative Bank
Co-operative Maharashtra
 3.00% Savings account
72 Panchkula District Central Co-operative Bank
Co-operative Haryana
 3.00% Savings account
73 Raichur District Co-operative Central Bank
Co-operative Karnataka
 3.00% Savings account
74 Rewari District Central Co-operative Bank
Co-operative Haryana
 3.00% Savings account
75 Sangli District Central Co-operative Bank
Co-operative Maharashtra
 3.00% Savings account
76 Sardar Bhiladwala Pardi Peoples Co-operative Bank Ltd.
Co-operative Gujarat
 3.00% Any tenure
77 Sikkim State Co-operative Bank
Co-operative Sikkim
 3.00% Any tenure
78 Sirsa District Central Co-operative Bank
Co-operative Haryana
 3.00% Savings account
79 Srikakulam District Central Co-operative Bank
Co-operative Andhra Pradesh
 3.00% Savings account
80 The Bhagalpur Central Co-operative Bank Ltd.
Co-operative Bihar
 3.00% Any tenure
81 The Bihar State Co-operative Bank
Co-operative Bihar
 3.00% Any tenure
82 The Haryana State Co-operative Apex Bank
Co-operative Haryana
 3.00% Any tenure
83 The Nagpur Nagarik Sahakari Bank Ltd.
Co-operative Maharashtra +2 states
 3.00% Any tenure
84 Vidyasagar Central Co-operative Bank
Co-operative West Bengal
 3.00% Savings account
85 Zila Sahakari Bank Ltd. Basti
Co-operative Uttar Pradesh
 3.00% Any tenure
86 Zila Sahkari Bank Limited Meerut
Co-operative Uttar Pradesh
 3.00% Savings account
87 Nagaland State Co-operative Bank
Co-operative Nagaland
 2.90% Any tenure
88 Puducherry State Co-operative Bank
Co-operative Puducherry
 2.90% Any tenure
89 Uttarakhand State Co-operative Bank
Co-operative Uttarakhand
 2.90% Any tenure
90 Agra Zilla Sahakari Bank Ltd.
Co-operative Uttar Pradesh
 2.85% Any tenure
91 Jalaun District Co-operative Bank Ltd.
Co-operative Uttar Pradesh
 2.80% Savings account
92 Jilla Sahakari Kendriya Bank Maryadit, Sehore
Co-operative Madhya Pradesh
 2.80% Savings account
93 Kerala Gramin Bank
Regional Rural Kerala
 2.80% Any tenure
94 Balasinor Nagarik Sahakari Bank Ltd.
Co-operative Gujarat
 2.75% Any tenure
95 Bank of Baroda
Public Sector Nationwide
 2.75% Any tenure
96 Bank of India
Public Sector Nationwide
 2.75% Any tenure
97 Bank of Maharashtra
Public Sector Nationwide
 2.75% Any tenure
98 Baroda District Central Co-operative Bank Ltd.
Co-operative Gujarat
 2.75% Any tenure
99 GP Parsik Sahakari Bank Ltd.
Co-operative Maharashtra +2 states
 2.75% Any tenure
100 Janata Sahakari Bank Ltd., Pune
Co-operative Maharashtra
 2.75% Any tenure
101 Maharashtra State Co-operative Bank
Co-operative Maharashtra
 2.75% Any tenure
102 Mandya District Co-operative Central Bank
Co-operative Karnataka
 2.75% Savings account
103 Manipur Rural Bank
Regional Rural Manipur
 2.75% Any tenure
104 The Cosmos Co-operative Bank Ltd.
Co-operative Maharashtra
 2.75% Any tenure
105 Banswara Central Co-operative Bank Ltd.
Co-operative Rajasthan
 2.70% Any tenure
106 Hassan District Co-operative Central Bank Ltd.
Co-operative Karnataka
 2.70% Savings account
107 Madhya Pradesh Gramin Bank
Regional Rural Madhya Pradesh
 2.70% Any tenure
108 Meghalaya Rural Bank
Regional Rural Meghalaya
 2.70% Any tenure
109 Nagaland Rural Bank
Regional Rural Nagaland
 2.70% Any tenure
110 Bahraich District Central Co-operative Bank Ltd.
Co-operative Uttar Pradesh
 2.65% Any tenure
111 Jharkhand Rajya Gramin Bank
Regional Rural Jharkhand
 2.65% Any tenure
112 Nainital Bank
Private Delhi +5 states
 2.65% Any tenure
113 Tripura Gramin Bank
Regional Rural Tripura
 2.65% Any tenure
114 Assam Co-operative Apex Bank
Co-operative Assam
 2.60% Any tenure
115 District Co-operative Bank Mirzapur
Co-operative Uttar Pradesh
 2.60% Savings account
116 District Co-operative Bank Rampur
Co-operative Uttar Pradesh
 2.60% Savings account
117 IDBI Bank
Private Nationwide
 2.60% Any tenure
118 Jogindra Central Co-operative Bank Ltd.
Co-operative Himachal Pradesh
 2.60% Any tenure
119 Kallappana Awade Ichalkaranji Janata Sahakari Bank Ltd.
Co-operative Maharashtra
 2.60% Any tenure
120 Uttar Pradesh State Co-operative Bank
Co-operative Uttar Pradesh
 2.60% Any tenure
121 Arunachal Pradesh Rural Bank
Regional Rural Arunachal Pradesh
 2.50% Any tenure
122 Assam Gramin Vikash Bank
Regional Rural Assam
 2.50% Any tenure
123 Axis Bank
Private Nationwide
 2.50% Any tenure
124 Bathinda Central Co-operative Bank Ltd.
Co-operative Punjab
 2.50% Any tenure
125 Canara Bank
Public Sector Nationwide
 2.50% Any tenure
126 Central Bank of India
Public Sector Nationwide
 2.50% Any tenure
127 Etah District Co-operative Bank Ltd.
Co-operative Uttar Pradesh
 2.50% Savings account
128 Haryana Gramin Bank
Regional Rural Haryana
 2.50% Any tenure
129 Himachal Pradesh State Co-operative Bank
Co-operative Himachal Pradesh
 2.50% Any tenure
130 ICICI Bank
Private Nationwide
 2.50% Any tenure
131 Indian Bank
Public Sector Nationwide
 2.50% Any tenure
132 Jammu and Kashmir Grameen Bank
Regional Rural Jammu and Kashmir
 2.50% Any tenure
133 Khammam District Co-operative Central Bank Ltd.
Co-operative Telangana
 2.50% Savings account
134 Kotak Mahindra Bank
Private Nationwide
 2.50% Any tenure
135 Punjab National Bank
Public Sector Nationwide
 2.50% Any tenure
136 Rajasthan Gramin Bank
Regional Rural Rajasthan
 2.50% Any tenure
137 State Bank of India
Public Sector Nationwide
 2.50% Any tenure
138 The Adilabad District Co-operative Central Bank Ltd.
Co-operative Telangana
 2.50% Any tenure
139 The Akola Janata Commercial Co-operative Bank Ltd.
Co-operative Maharashtra +1 state
 2.50% Any tenure
140 UCO Bank
Public Sector Nationwide
 2.50% Any tenure
141 Union Bank of India
Public Sector Nationwide
 2.50% Any tenure
142 Uttar Pradesh Gramin Bank
Regional Rural Uttar Pradesh
 2.50% Any tenure
143 West Bengal Gramin Bank
Regional Rural West Bengal
 2.50% Any tenure
144 Burdwan District Central Co-operative Bank Ltd.
Co-operative West Bengal
 2.45% Savings account
145 Bharati Sahakari Bank Ltd.
Co-operative Maharashtra
 2.40% Any tenure
146 Mizoram Co-operative Apex Bank
Co-operative Mizoram
 2.35% Any tenure
147 Mizoram Rural Bank
Regional Rural Mizoram
 2.30% Any tenure
148 Gadchiroli District Central Co-operative Bank Ltd.
Co-operative Maharashtra
 2.25% Savings account
149 Panchmahals District Central Co-operative Bank
Co-operative Gujarat
 2.25% Savings account
150 South Indian Bank
Private Nationwide
 2.25% Any tenure
151 Indian Overseas Bank
Public Sector Nationwide
 2.20% Any tenure
152 Punjab & Sind Bank
Public Sector Nationwide
 2.20% Any tenure
153 Odisha Grameen Bank
Regional Rural Odisha
 2.05% Any tenure
154 Amanath Co-operative Bank Ltd.
Co-operative Karnataka
 2.00% Any tenure

A savings account keeps your money fully liquid for everyday use while still earning interest, which the RBI requires banks to calculate on the daily closing balance and credit at least quarterly. The best savings rates — often paid above a balance slab by small finance and newer private banks — can rival short-term deposits while leaving your money within reach. As of 19 Oct 2026, the highest rate we track is 5.00% at Andhra Pradesh State Co-operative Bank.

Large public and private banks tend to keep savings rates low because they hold plenty of low-cost deposits, so it pays to compare. Every bank below is RBI-licensed with DICGC insurance up to ₹5 lakh. For money you won't need soon, a fixed deposit usually earns more — the table is ranked best-first so you can weigh the trade-off.

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