• Login
APR Calculator
Schedule of Election APR Calculator
Schedule of Election APR Calculator
To report any unauthorised electronic transaction / Lodge a Complaint click here Unclaimed Data Assets Portal from Department of Financial Services (DFS) Stay Alert! Kalupur Bank communicates only through SMS headers 'KCBANK', 'KEBANK', and 'KCBMSG'. Beware of phishing attempts from other sources. 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. To Report any Cyber Crime/Cyber Fraud Call 1930 or visit www.cybercrime.gov.in.
  • Login
×

Term Deposits

Annexure:-1

Revised Interest Rates Framework of Term Deposits w.e.f 17.06.2026

Fixed/NRO Deposits, Cumulative Fixed/NRO Deposits
Retail Deposit (Below Rs. 1.00 Crore)
Duration
Fixed/NRO Deposits
Cumulative Fixed/NRO Deposits
General Senior Citizen General Senior Citizen
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%
5.25%
5.25%
1 Year and up to 2 years
6.75%
7.25%
6.75%
7.25%
More than 2 Years – Upto 3 Years
6.25%
6.75%
6.25%
6.75%
More than 3 Years – Upto 5 Years
6.25%
6.75%
6.25%
6.75%
Recurring Deposits
Duration
General
Senior Citizen
1 Year and up to 2 years
6.75%
7.25%
More than 2 Years – Upto 3 Years
6.25%
6.75%
More than 3 Years – Upto 5 Years
6.25%
6.75%
Kal Double Deposits
Duration
Cumulative Fixed Deposits
For 134 Months
6.26%
Deposits under section 80C of Income Tax
Duration
Cumulative Fixed Deposits
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.
NRE Deposits
Duration
Cumulative Fixed Deposits
1 year and up to 2 years
6.75%
More than 2 Years – Upto 3 Years
6.25%
More than 3 Years – Upto 5 Years
6.25%
Fixed/NRO Deposits, Cumulative Fixed/NRO Deposits
Bulk Deposit (₹1.00 Crore & Above)
Duration
Fixed/NRO Deposits
Cumulative Fixed/NRO Deposits
(₹1.00 Crore & Above upto ₹5.00 Crore)
(Above ₹5.00 Crore Up to ₹10.00 Crore)
(Above ₹10.00 Crore)
(₹1.00 Crore & Above upto ₹5.00 Crore)
(Above ₹5.00 Crore Up to ₹10.00 Crore)
(Above ₹10.00 Crore)
7 Days – 14 Days
3.25%
3.25%
3.25%
–
–
–
15 Days – 29 Days
3.25%
3.25%
3.25%
–
–
–
30 Days – 90 Days
3.25%
3.25%
3.25%
–
–
–
91 Days – 180 Days
3.50%
3.50%
3.50%
–
–
–
181 Days – 364 Days
5.25%
5.25%
5.25%
5.25%
5.25%
5.25%
1 Year and up to 2 years
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
More than 2 Years – Upto 3 Years
6.25%
6.25%
6.25%
6.25%
6.25%
6.25%
More than 3 Years – Upto 5 Years
6.25%
6.25%
6.25%
6.25%
6.25%
6.25%
Non-Callable Bulk Deposits
Duration (Above ₹1.00 Crore Up to
₹5.00 Crore)		 (Above ₹5.00 Crore Up to
₹10.00 Crore)		 (Above ₹10.00 Crore)
1 year and up to 2 years
6.75%
6.75%
6.75%
Note:- Non Callable Bulk Deposit option is available for Fixed Deposits, Cumulative Fixed Deposits

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.
  • NRE term deposits should be opened for a minimum term of one year. No interest is payable on NRE term deposits pre-closed
    before one year from the date of opening or renewal or extension.
  • No Loans / Advances are allowed against the security of Non-Callable Term Deposits.
  • The Kalupur Commercial -Co-Op Bank Ltd. is registered with DICGC :

*Conditions Apply