Deposit Interest Rates | Kerala Gramin Bank

Term Deposits (Domestic) Below 1 Crore wef 01.07.2026

Tenure	Revised rates wef 01.07.2026	Revised rates for Senior Citizen wef 01.07.2026
7 days to 14 days*	3.25	3.75
15 days to 45 days	3.50	4.00
46 days to 90 days	5.00	5.50
91 days to 179 days	5.00	5.50
180 days to 269 days	6.00	6.50
270 days to less than 1 year	6.00	6.50
1 year only	6.30	6.80
Above 1 year up to below 15 months	6.50	7.00
15 months	6.75	7.25
Above 15 months up to including 2 years	6.50	7.00
Above 2 years to including 3 Years	6.45	6.95
Above 3 years and up to below 5 years	6.40	6.90
5 years and above up to 10 years	6.40	6.90

* For Deposits of Rs 5 Lakh and above only.
Penal charge of 1% is applicable for term deposits prematurely closed/ prematurely extended.
Note: - Interest rates are subject to change from time to time without prior notice. For further details, please contact the Branch Manager.
Note: - @simple rate of interest ( rest no change in conditions )
For Interest Rate on Deposits of Rs 1 Crore & above, please confirm the interest rate from the Branch Manager.

Term Deposits - 444 Days

Tenure	Rate Of Interest (from 25-05-2026 to 31-07-2026)
Tenure	General	Senior Citizen
444 Days	7.10	7.60

Note:

1: This special rate is applicable till 31-07-2026 only

2: The scheme is applicable for NRE/NRO deposits as well

Saving Bank Account wef 01.10.2025

Savings Accounts having monthly average balance	ROI in %
Less than Rs.1 crore	2.80
Rs.1 crore and above	3

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Term Deposits (Non-Resident) Below 1 Crore wef 01.07.2026

NRO TERM DEPOSITS**: Same as applicable to Domestic Deposits.The benefit of additional/preferential interest rate on deposits on account of the depositor being bank’s own Staff or Senior Citizen shall not be available to NRO Deposits

NRE TERM DEPOSITS:

Tenure	Revised ROI w.e.f. 01.07.2026*
1 year only	6.30
Above 1 year upto below 15 months	6.50
444 days	7.10
15 Months	6.75
Above 15 Months up to including 2 years	6.50
Above 2 Years to including 3 Years	6.45
3 years	6.75
Above 3 years up to below 5 years	6.70
5 years and above up to 10 years	6.70

**Rate applicable for amounts below Rs. 1 Crore

For Interest Rate on Deposits of Rs 1 Crore & above, please confirm the interest rate from the Branch Manager.
No additional interest rate for Senior Citizens.
No interest will be earned for NRE Term Deposit including NRE RD which is closed prematurely before the completion of one year, penal charge of 1% will be applicable for all NRE deposits prematurely closed after 1 year.
Note: - Interest rates are subject to change from time to time without prior notice. For further details, please contact the Branch Manager.

CALCULATOR

Grameena Tax Saver (GTS) Deposit

Tenure	ROI w.e.f. 20.04.2026*
	General	Senior Citizen
	5 years only	6.40	6.90

The ceiling amount of Investment under GTS is Rs. 1,50,000/-.
Premature closure of GTS Deposit is not allowed.
Note: - No auto renewal facility is available for Grameena Tax Saver Deposit.

Recurring Deposits (Domestic)

Tenure	Revised ROI w.e.f. 01.07.2026*
1 year only	6.30
15 months	6.75
Above 15 months up to including 2 years	6.50
Above 2 years to including up to 3 years	6.45
Above 3 years and up to below 5 years	6.40
5 years and above up to 10 years	6.40

*Rate applicable for amounts below Rs. 1 Crore
No additional interest rate for Senior Citizens.
Penal charge of 1% is applicable for term deposits prematurely closed/ prematurely extended.
Note: - Interest rates are subject to change from time to time without prior notice. For further details, please contact the Branch Manager.
**The period of deposit should be in multiples of 3 months, the minimum period being 12 months and the maximum of 120 months.

Recurring Deposits (Non-Resident)

NRO RECURRING DEPOSITS** : Same as applicable to Domestic Deposits. No additional interest rate for Senior Citizens.

NRE RECURRING DEPOSITS:

Tenure	Revised ROI w.e.f. 01.07.2026*
1 year only	6.30
15 months	6.75
Above 15 months up to including 2 years	6.50
Above 2 years to including up to 3 years	6.45
Above 3 years and up to below 5 years	6.40
5 years and above up to 10 years	6.40

*Rate applicable for amounts below Rs. 1 Crore
No additional interest rate for Senior Citizens.
For Interest Rate on Deposits of Rs 1 Crore & above, please confirm the interest rate from the Branch Manager.
No interest will be earned for NRE Term Deposit including NRE RD which is closed prematurely before the completion of one year, penal charge of 1% will be applicable for all NRE deposits prematurely closed after 1 year. No additional interest rate for Senior Citizens.
Note: Interest rates are subject to change from time to time without prior notice. For further details, please contact the Branch Manager.

CALCULATOR