Gramin Bank Fixed Deposit Rates 2025 - Latest Interest Details
Kerala Gramin Bank offers fixed deposits with attractive interest rates that assure high returns with flexible investment tenures, affordable minimum deposit amounts
that make it accessible to a wide section of income demographics, and several other favorable features.
Updated On - 05 Sep 2025
Types of Kerala Gramin Bank Fixed Deposit (FD)
- Term deposits
- KGB Senior Suraksha
- KGB Dhanam 345
- Gramin Tax saver
Features of Kerala Gramin Bank Term Deposit
- The interest will be paid at monthly/quarterly/half-yearly.
- The fixed deposit can be from 7 days to 10 years.
- Loans against your deposit will be allowed up to the limit that has been prescribed.
- Premature closure is also allowed and the penalty is 1% on the applicable rate of interest.
- TDS will be applicable according to the IT guidelines.
- Deposits can be opened for minimum Rs.1,000 and there is no maximum amount.
- Nomination facility is available.
- Auto renewal facility is available.
Other Banks FD
- SBI Bank FD
- HDFC Bank FD
- Axis Bank FD
- Post Office FD
- Senior Citizen FD
- Canara Bank FD Rates
- Kotak Bank FD
- Yes Bank FD
- Standard Chartered Bank FD
- Bank of Baroda FD
- PNB FD
- IDFC Bank FD
- IDBI Bank FD
- Indian Bank FD
- Union Bank FD
- Bank of India FD
- Central Bank of India FD
- IOB Bank FD
- Shriram City FD
- LIC Housing FD
- Mahindra Finance FD
- Bandhan Bank FD
- KTDFC FD
- J & K Bank FD
- Federal Bank FD
- Bank of Maharashtra FD
Features of the KGB Senior Suraksha Fixed Deposit
- KGB Senior Suraksha is applicable for deposits which are between Rs.5 lakh and Rs.15 lakh with a minimum tenure of 5 years.
- The interest given to senior citizens under this scheme is 0.80% above the normal rate, which means senior citizens get an additional 0.30% interest on single deposits exceeding Rs.5 lakh in a single day.
- The rate of interest for this scheme is 6.20% p.a.
Features of the KGB Dhanam 345 Retail Deposit
- General public get an interest rate of 5.60%.
- Senior citizens get an interest rate of 6.10%.
- Minimum deposit amount is Rs.5,000 and the maximum deposit amount Rs.14,99,999.
- Penal charge of 1% is applicable for prematurely closed/prematurely extended.
Features of the Gramin Tax-Saver (GTS) Deposit
- General public get an interest rate of 5.40%.
- Senior citizens get an interest rate of 5.90%.
- The ceiling amount of investment is Rs.1.5lakh.
- Premature closure of the deposit is not allowed.
Eligibility for Kerala Gramin Bank Fixed Deposit
- You have to be a citizen of India.
- Members of the Hindu Undivided Family (HUF), firm, local bodies, any government department, company, etc.
Documents Required to Apply for Kerala Gramin Bank FD
- Aadhaar Card
- Driving License
- Passport
- Voter's ID card
- Permanent Account Number (PAN) Card
FAQs on Kerala Gramin Bank Fixed Deposit
- Can we open a Kerala Gramin Bank fixed deposit online?
To open a Kerala Gramin Bank fixed deposit, you would have to visit your nearest KGB branch.
- What is the maximum limit for Kerala Gramin Bank fixed deposits?
There is no maximum limit for Kerala Gramin Bank fixed deposits.
- Is nomination facility available for Kerala Gramin Bank fixed deposits?
Yes, nomination facility is available for Kerala Gramin Bank fixed deposits.
- Is auto-renewal facility available for Kerala Gramin Bank fixed deposits?
Yes, auto-renewal facility is available for Kerala Gramin Bank fixed deposits.
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