High-Yield Depository Schemes
Protect your wealth and grow your savings with absolute safety and market-leading interest rates up to 8.50% p.a.
Premium Savings Account
Flexible cash withdrawals, sweep-in benefits, free digital banking, and daily interest calculation.
- check_circleNo hidden maintenance charges
- check_circleComplimentary RuPay Debit Card
- check_circleFree Mobile & Internet banking access
Fixed Deposits (FD)
Maximize savings yield with high-yield fixed terms. Special rates for senior citizens (+0.50%) and bulk deposits.
- check_circleFlexible tenures from 7 days to 10 years
- check_circleQuarterly interest payout or compounding
- check_circleInsured up to ₹5 Lakhs under DICGC
Recurring Deposits (RD)
Build savings systematically month-by-month with comfortable fixed contributions.
- check_circleMinimum monthly deposit starts at ₹100
- check_circleStanding instructions from savings account
- check_circlePremature closure options available
Bulk Deposits Interest Rates
Special rates applicable for high-value deposit portfolios with effect from 01-09-2026.
Designed for institutions, trusts, societies, and high-value individual investors looking for guaranteed steady yield.
Our highest guaranteed interest rate tier for long-term growth and secured capital protection.
Deposit Rate Schedules
Form No.50, Res. No.23 (Dt. 28-08-2026) — Rate of interest on Deposits with effect from 01-09-2026.
Term Deposits Interest Structure
Savings Account Interest: 4.00% p.a.
| S.No. | Deposit Period | General Depositors | Senior Citizens (60+ Yrs) |
|---|---|---|---|
| A | 07 Days to 45 Days | 4.50% | 4.50% |
| B | 46 Days to 179 Days | 5.50% | 5.50% |
| C | 180 Days to 364 Days | 6.50% | 6.50% |
| D | 1 Year to 3 Years | 7.75% | 8.25% |
| E | More than 3 Years | 8.00% | 8.50% |
Senior Citizens: Means 60 years of Age completed. Senior citizens enjoy an additional 0.50% interest bonus on tenures of 1 year and above.
Premature Penalty: Premature withdrawal penalty for all tenors will be 0.50%.
Every Rupee Insured
As a licensed cooperative bank, all deposits up to ₹5,00,000 per depositor are fully protected and insured under Deposit Insurance and Credit Guarantee Corporation (DICGC) guidelines. Your hard-earned funds are completely secure with us.