Kalupur Cooperative Bank Fixed Deposit Rates

Kalupur Commercial Cooperative Bank provides Fixed Deposit interest rates ranging from 4.25% p.a. to 7.25% p.a. for the general public and from 4.75% p.a. to 7.75% p.a. for senior citizens, available for tenures between 7 days to up to 5 years.

Super Senior Citizens enjoy an additional interest rate benefit of 0.25% p.a. on top of the 0.50% p.a. premium offered to senior citizens.

Updated On - 05 Sep 2025

The bank also extends Fixed Deposit options to its NRE and NRO depositors. Their array of Fixed Deposit Schemes includes the Kal Flexi Deposit Scheme, Kamdhenu Deposit Scheme, Kal Double Deposit Scheme, and Kal Short Term Deposit Scheme. 

Features & Benefits 

  1. Premature Renewal of Term Deposit: If a depositor wants to renew their term deposit prematurely by closing the existing account, the bank allows renewal at the current interest rate on the renewal date. This is granted under the condition that the renewed deposit has a longer term than the remaining period of the original deposit. 
  2. Interest Calculation: When closing a deposit prematurely for renewal, the interest accrued during the time the bank held it will be paid at the interest rate applicable on the date of the deposit for that specific duration, not at the originally contracted rate. No prepayment penalty will be imposed in such cases. 
  3. Senior Citizen Benefits: Individuals aged 60 or older (Senior Citizens) will still enjoy a 0.50% p.a. higher interest rate on their deposits. However, this additional interest rate benefit won't apply to deposits placed under specific sections of the Income Tax Act, NRE-NRO accounts, Kal Flexi, Diamond Kal Flexi, Non-callable Deposits, Kal Double Deposit, or Kal Short Term Deposit. 
  4. Super Senior Citizen Benefits: Super Senior Citizens, those aged 75 or older, will continue to receive an additional 0.25% p.a. interest rate benefit, totalling a 0.75% p.a. higher interest rate on their deposits. Similar to Senior Citizens, this benefit does not apply to certain types of deposits mentioned earlier. 
  5. Maturity Period Requirement: Senior Citizens and Super Senior Citizens won't receive the additional interest rate benefit on deposits with a maturity period of less than one year. To avail of these benefits, they must place their deposits for a duration of one year or more. 
  1. Staff Member Benefits: Staff members will still receive an additional 1% p.a. interest on their Term Deposits. If a staff member is also a Senior Citizen, they will receive an extra interest benefit of 0.50% p.a. Super Senior staff members will receive a further interest benefit of 0.25% p.a. This is contingent upon the concerned staff member having submitted a declaration confirming that the deposited funds belong to them personally. 

Kalupur Commercial Bank Fixed Deposit Interest Rates

Mentioned below is the rate of interest for different Fixed Deposit Schemes for Kalupur Commercial Cooperative Bank's Fixed Deposit that came into effect on 10 March 2023. 

Fixed Deposit or NRO Deposit Rates

Tenure 

Rate of Interest 

7 days to 14 days 

4.25 % p.a. 

15 days to 29 days 

4.25 % p.a. 

30 days to 90 days 

4.25 % p.a. 

91 days to 180 days 

4.50 % p.a. 

181 days to 364 days 

5.75 % p.a. 

1 year and above to up to 2 years 

7.25 % p.a. 

More than 2 years to up to 3 years 

6.75% p.a.  

More than 3 years to up to 5 years 

6.75% p.a. 

Cumulative Fixed Deposits or NRO Deposits 

Tenure 

Rate of Interest  

6 months and above to less than 1 year 

5.75 % p.a. 

1 year and above to up to 2 years 

7.25 % p.a. 

More than 2 years to up to 3 years 

6.75 % p.a. 

More than 3 years to up to 5 years 

6.75 % p.a. 

Kamdhenu Deposits 

Tenure 

Rate of Interest 

Fixed period of 3 years 

6.75 % p.a. 

NRE Deposits 

Tenure 

Rate of Interest 

1 year and above to up to 2 years 

7.25 % p.a. 

More than 2 years to up to 3 years 

6.75 % p.a. 

More than 3 years to up to 5 years 

6.75 % p.a. 

Kal Double Deposits 

Tenure 

Rate of Interest 

For 124 months 

6.76 % p.a. 

Non-Callable Deposits 

Particulars 

Rate of Interest 

For Rs. 100.00 lakh & above deposits only (Period: Minimum 1 year, Maximum 2 years) 

7.00 % p.a. 

Deposits under section 80C of Income Tax 

Particulars 

Rate of Interest 

Regular Rate 

6.75 % p.a. 

Staff Rate 

– 

Kal Short Term Deposits 

Particulars 

Rate of Interest 

General Public or Senior Citizens or Super SeniorCitizens orNRO(Tenure: 111 days to 360 days) 

5.00% p.a. 

Staff 

– 

FAQs on Kalupur Cooperative Bank FD

  • How is interest calculated when I close my Fixed Deposit prematurely for renewal, and what interest rate is applied?

    When you close your Fixed Deposit prematurely for renewal, the interest accrued during its time with the bank will be paid at the interest rate applicable on the date of the deposit for that specific duration, not at the originally contracted rate. 

  • Can I renew my Fixed Deposit prematurely at Kalupur Commercial Cooperative Bank?

    Yes, you can renew your Fixed Deposit prematurely by closing the existing account. The bank allows renewal at the current interest rate on the renewal date. 

  • Do senior citizens receive any special benefits on Fixed Deposits, and are there any exceptions to these benefits?

    Yes, senior citizens aged 60 or older enjoy a 0.50% p.a. higher interest rate on their Fixed Deposits. However, this additional interest rate benefit does not apply to deposits placed under specific sections of the Income Tax Act, NRE-NRO accounts, Kal Flexi, Diamond Kal Flexi, Non-callable Deposits, Kal Double Deposit, or Kal Short Term Deposit. 

  • What additional interest rate benefits do Super Senior Citizens receive on their Fixed Deposits, and are there any deposit types excluded from these benefits?

    Super Senior Citizens aged 75 or older receive an additional 0.25% p.a. interest rate benefit, totalling a 0.75% higher interest rate on their Fixed Deposits. Similar to Senior Citizens, this benefit does not apply to certain types of deposits mentioned earlier. 

  • Is there a specific maturity period requirement for senior citizens to receive additional interest rate benefits, and what are the conditions for staff members to receive extra interest on their Fixed Deposits?

    Yes, Senior Citizens and Super Senior Citizens won't receive the additional interest rate benefit on deposits with a maturity period of less than one year. To avail of these benefits, they must place their deposits for a duration of 1 year or more. Staff members receive an additional 1% interest on Fixed Deposits. If a staff member is also a Senior Citizen, they will receive an extra interest benefit of 0.50%. Super Senior staff members will receive a further interest benefit of 0.25%, provided they have submitted a declaration confirming that the deposited funds belong to them personally. 

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