Deposit Schemes & Interest Rates
Maximize your savings with Class 1 Super Grade security, attractive interest rates, flexible tenure options, and special benefits for senior citizens.
Our Featured Deposit Schemes
Fixed Deposits (FD)
Lump-sum deposits offering attractive interest rates across flexible tenure options from 15 days up to 5 years or more.
- Monthly / Quarterly payout options
- Loan facility available against FD
- Auto-renewal facility on maturity
Senior Citizen Scheme
Specially designed term deposits for individuals aged 60 and above with additional interest rate benefits.
- 0.50% higher interest over normal rates
- Regular monthly income option
- Hassle-free nominee assignment
Recurring Deposits (RD)
Build a disciplined saving habit by depositing a fixed monthly sum for a predetermined period with compound interest.
- Flexible tenures from 24 to 72 months
- Ideal for salaried & business individuals
- Premature withdrawal support
Savings Bank (SB) Account
Everyday liquidity combined with interest earnings for members, students, and general account holders.
- Nominal minimum balance requirement
- Passbook & NEFT/RTGS transfer facilities
- Lockers facilities available
Swayam Vardhini Deposit (SVD)
Daily micro-savings scheme designed for local merchants, small vendors, and households with daily doorstep collection.
- Authorized bank agent collection
- Deposit small amounts daily
- Lump-sum payout upon maturity
Current Accounts
High-volume transaction accounts customized for local businesses, traders, co-operative societies, and institutions.
- No limit on daily deposits
- Detailed statement of accounts
- Overdraft / Cash Credit facility
Current Fixed Deposit Interest Rates
Effective interest rates per annum (subject to Co-operative Department revision guidelines).
| Deposit Tenure Period | General Public Rate (% p.a.) | Senior Citizen Rate (% p.a.) |
|---|---|---|
| 15 Days to 45 Days | 6.25% | 6.25% |
| 46 Days to 90 Days | 6.75% | 6.75% |
| 91 Days to 179 Days | 7.00% | 7.00% |
| 180 Days to 364 Days | 7.75% | 7.75% |
| 1 Year to 2 Years (365 to 730 Days) | 8.00% | 8.50% |
| Above 2 Years to 5 Years | 8.1% | 8.60% |
| Savings Bank (SB) Account Rate | 3.00% p.a. | |
* Rates are subject to change based on guidelines issued by the Kerala Co-operative Department & Registrar of Co-operative Societies.
Deposit Return Calculator
Calculate your approximate maturity amount and earned interest on Fixed Deposits instantly.
₹ 1,00,000
Estimated Interest Earned₹ 7,750
Estimated Maturity Value
₹ 1,07,750
Documents Required to Open a Deposit
Identity Proof (KYC)
Aadhaar Card, Election ID Card, PAN Card, Passport, or Driving License.
Address Proof
Aadhaar Card, Passport, Utility Bill (Electricity/Water), or Ration Card.
Photographs & Form
Two recent passport-size photos and filled account opening form with specimen signature.