Karnataka Gramin Bank FD Rates
Karnataka Gramin Bank's fixed deposit scheme lets you invest from just Rs.1,000 for a tenure of 7 days to 10 years. Current Karnataka Gramin Bank FD rates for the general public range from 3.25% p.a. to 6.75% p.a., and senior citizens earn 3.75% p.a. to 7.25% p.a., effective from 1 January 2026.
Karnataka Gramin Bank Fixed Deposit Scheme Features
The various features of the Karnataka Gramin Bank fixed deposit scheme are mentioned below:
Account type | Single or jointly |
Deposits | Minimum: Rs.1,000 |
Tenure | Minimum: 7 days Maximum: 10 years |
Loan facility | Available |
Nomination | Available |
Karnataka Gramin Bank Fixed Deposit Interest Rates for Deposits Below Rs.1 Crore
The interest rates for Karnataka Gramin Bank fixed deposits below Rs.1 crore are given below:
Period of Deposit | Interest Rates for General Citizens (p.a.) | Interest Rates for Senior citizen (p.a.) |
07 days to 14 days | 3.25% | 3.75% |
15 days to 30 days | 3.25% | 3.75% |
31 days to 45 days | 3.25% | 3.75% |
46 days to 60 days | 4.75% | 5.25% |
61 days to 90 days | 4.75% | 5.25% |
91 days to 120 days | 4.75% | 5.25% |
121 days to 179 days | 4.75% | 5.25% |
180 days to 269 days | 5.25% | 5.75% |
270 days to less than 1 year | 5.75% | 6.25% |
1 Year | 6.30% | 6.80% |
KGB-444 days* | 6.60% | 7.10% |
Above 1-year up to & inclusive 2 years | 6.50% | 7.00% |
Above 2 years up to & inclusive 3 years | 6.50% | 7.00% |
Above 3 years up to & inclusive 5 years | 6.40% | 6.90% |
Above 5 years up to & inclusive 8 years | 6.05% | 6.55% |
Above 8 years up to & inclusive 10 years | 6.05% | 6.55% |
Tax Saver (5 years period) | 6.40% | 6.90% |
KGB-SIRI SAMPATH (1111 days) | 6.50% | 7.00% |
KGB-SIRI (444 days) | 6.60% | 7.10% |
Note: These rates are effective since 1 January 2026 and can be changed as per the rules and regulations of the bank.
Karnataka Gramin Bank Fixed Deposit Interest Rates for Deposits Below Rs.1 crore for NRE Accounts
Period of Deposit | Interest Rates (p.a.) |
1 Year | 6.50 |
Above 1-year upto & inclusive 2 years | 6.50 |
Above 2 years upto & inclusive 3 years | 6.50 |
Above 3 years upto & inclusive 5 years | 6.50 |
Above 5 years upto & inclusive 10 years | 6.50 |
Note: These rates are effective since 1 January 2026 and can be changed as per the rules and regulations of the bank.
Karnataka Gramin Bank Fixed Deposit Scheme Eligibility
The eligibility criteria to open a Karnataka Gramin Bank fixed deposit account are mentioned below:
- Individuals above the age of 18 years
- Minors along with a guardian
- HUF, Partnership, a Company, Association or any other Institution
Documents Required for Karnataka Gramin Bank Fixed Deposit Scheme
The documents that are required to open a Karnataka Gramin Bank fixed deposit account are mentioned below:
- Application form
- PAN card copies (self-attested)
- 2 Passport sized photographs
Summary
Karnataka Gramin Bank's fixed deposit scheme offers tenures from 7 days to 10 years with a minimum deposit of Rs.1,000, along with loan and nomination facilities. General citizens can earn up to 6.75% p.a. and senior citizens up to 7.25% p.a. across regular and special-scheme tenures, effective from 1 January 2026. Compare the Karnataka Gramin Bank FD rates above and check your eligibility before investing.
FAQs on Karnataka Gramin Bank Fixed Deposit Interest Rates
1.What is the minimum tenure for opening an account under the Karnataka Gramin Bank fixed deposit scheme?
The minimum tenure for opening an account under the Karnataka Gramin Bank fixed deposit scheme is 7 days.
2.Is there any special interest rate available for senior citizens under the Karnataka Gramin Bank fixed deposit scheme?
Yes, an additional interest rate of 0.50% is available for senior citizens under the Karnataka Gramin Bank fixed deposit scheme.
3.Is loan facility provided against the Karnataka Gramin Bank fixed deposit account?
Yes, loan facility is available against the Karnataka Gramin Bank fixed deposit account.
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