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To report any unauthorised electronic transaction / Lodge a Complaint click here Dear Customer, You can block ATM Card through KCCB Mobile Apps, Bank Website or by SMS as BLOCK<SPACE> XXXX (Last 4 Digit of Card Number) to 9028048500 from registered mobile number. Dear Customer, Bank has discontinued Personal Accident benefit for Saving Acount holders and Individual Current Account holders W.E.f. Dt. 31-03-2025. Stay Alert! Kalupur Bank communicates only through SMS headers 'KCBANK', 'KEBANK', and 'KCBMSG'. Beware of phishing attempts from other sources. To Report any Cyber Crime/Cyber Fraud Call 1930 or visit www.cybercrime.gov.in.
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Term Deposits

Fixed Deposits / NRO Deposits

Revised Interest Rates (effect from 01.12.2025)
Duration
Retail Deposit
(up to ₹1.00 crore)
Bulk Deposit
(₹1.00 crore and above)
7 Days – 14 Days
3.25 %
3.25 %
15 Days – 29 Days
3.25 %
3.25 %
30 Days – 90 Days
3.25 %
3.25 %
91 Days – 180 Days
3.50 %
3.50 %
181 Days – 364 Days
5.25 %
5.25 %
1 Year and up to 2 years
6.75 %
6.50 %
More than 2 Years – Upto 3 Years
6.25 %
6.25 %
More than 3 Years – Upto 5 Years
6.25 %
6.25 %

Cumulative Fixed / NRO Deposits

Duration
Retail Deposit
(up to ₹1.00 crore)
Bulk Deposit
(₹1.00 crore and above)
6 Months and above – less than 1 year
5.25 %
5.25%
1 Year and up to 2 years
6.75 %
6.50 %
More than 2 Years – Upto 3 Years
6.25 %
6.25 %
More than 3 Years – Upto 5 Years
6.25 %
6.25 %

Recurring Deposits

Duration
Retail Deposit
(up to ₹1.00 crore)
Bulk Deposit
(₹1.00 crore and above)
1 year up to 2 years
6.75 %
6.50 %
More than 2 Years – Upto 3 Years
6.25 %
6.25 %
More than 3 Years – Upto 5 Years
6.25 %
6.25 %

NRE Deposits

Duration
Retail Deposit
(up to ₹1.00 crore)
Bulk Deposit
(₹1.00 crore and above)
1 year and up to 2 years
6.75 %
6.50 %
More than 2 Years – Upto 3 Years
6.25 %
6.25 %
More than 3 Years – Upto 5 Years
6.25 %
6.25 %

Kal Double Deposits

6.26 %
For 134 Months

Deposits under section 80C of Income Tax

Particulars
Retail Deposit
(up to ₹1.00 crore)
Bulk Deposit
(₹1.00 crore and above)
Regular Rate
6.25 %
–
Staff Rate
7.25 %
–
As per notification of Government, the said deposits are taken for 5 years and no FD-OD advances are to be sactioned against that.

Non Callable Deposits

For Rs. 100.00 Lacs & above Deposits only (Period: Minimum 1 year, Maximum 2 years)
Duration
Retail Deposit
(up to ₹1.00 crore)
Bulk Deposit
(₹1.00 crore and above)
1 year and up to 2 years
–
6.50 %

Important Notes :

  • Premature Renewal of Term Deposit : In case the depositor desires to renew the deposit by seeking premature closure of an existing term deposit account, the bank will permit the renewal at the applicable rate on the date of renewal, provided the deposit is renewed for a period longer than the balance period of the original deposit. While prematurely closing a deposit for the purpose of renewal, interest on the deposit for the period it has remained with the bank will be paid at the rate applicable on the date of deposit to the period for which the deposit remained with the bank and not at the contracted rate. In such case penalty for pre-payment of desposit will not be imposed.
  • Senior Citizen (i.e. having age of 60 years or more) will continue to get benefit of 0.50% higher interest rate on Deposits. However Deposits placed by Senior Citizen under section 80 C of Income Tax Act, NRE-NRO, Non-callable Deposits, Kal Double Deposit will not be eligible for such additional interest rate benefit.
  • Super Senior Citizens (who have completed 75 years) will continue to get additional benefit of 0.25% i.e. total benefit of 0.75% higher interest rate on Deposits. However Deposits placed by Super Senior citizen under section 80 C of Income Tax Act, NRE-NRO, Non-callable Deposits, Kal Double Deposit Deposit will not be eligible for such additional interest rate benefit.
  • Senior Citizens and Super Senior Citizens will not get benefit of additional interest rate on Deposits having maturity of less than 1 year. This means that if Senior Citizen/ Super Senior Citizen want to avail benefit of additional interest rate on Deposits then they have to place deposit for 1 year & above.
  • Staff members will continue to get 1% additional interest on Term Deposits. If staff is Senior Citizen, he/she will continue to get additional interest benefit of 0.50% and super senior citizen will continue to get further interest benefit of 0.25%, subject to concerned staff having submitted declaration that money deposited belongs him / her only
  • All other terms and conditions of earlier circular shall remain unchanged.
  • The Kalupur Commercial -Co-Op Bank Ltd. is registered with DICGC :

*Conditions Apply