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Karnataka Bank FD interest rates for 1, 2, 3 and 5 years

Last checked 3 November 2026. Rate card from 8 June 2026. Deposits below ₹3 crore.

Karnataka Bank pays its best rate among these terms on 1 year: 6.50%, or 6.90% for senior citizens. That ranks 12th of 33 banks we track for 1 year. On a 2-year deposit it pays the same as SBI.

6.50%1 year, senior 6.90%
6.40%2 years, senior 6.80%
6.15%3 years, senior 6.55%
6.15%5 years, senior 6.55%

Karnataka Bank FD rates by term

TermRateSenior rate₹5 lakh becomesRank
1 year
Slab: 1 year to 554 days		6.50%6.90%₹5,33,30112th of 33
2 years
Slab: 556 days to 2 years		6.40%6.80%₹5,67,70121st of 33
3 years
Slab: Above 2 years to 3 years		6.15%6.55%₹6,00,46525th of 33
5 years
Slab: Above 3 years to 5 years		6.15%6.55%₹6,78,42121st of 33
Tax saver, 5 years
80C, old regime only		6.50%6.90%₹6,90,210Compare

Interest compounds every quarter and is paid at maturity, before tax. Source: Karnataka Bank deposit rates. Each rate is the slab that contains that exact term.

How Karnataka Bank compares

  • 1 year: the highest rate we track is Ujjivan Small Finance Bank at 7.25%, 0.75 percentage points more. On ₹5 lakh that is ₹3,947 extra.
  • 2 years: the highest rate we track is ESAF Small Finance Bank at 7.75%, 1.35 percentage points more. On ₹5 lakh that is ₹15,263 extra.
  • 3 years: the highest rate we track is Jana Small Finance Bank at 8.00%, 1.85 percentage points more. On ₹5 lakh that is ₹33,656 extra.
  • 5 years: the highest rate we track is Jana Small Finance Bank at 7.77%, 1.62 percentage points more. On ₹5 lakh that is ₹56,221 extra.

Similar banks: HDFC Bank (6.45% for 2 years), Axis Bank (6.50% for 2 years), ICICI Bank (6.30% for 2 years), Federal Bank (6.55% for 2 years).

Amounts at Karnataka Bank

  • ₹1 lakh for 1 year at 6.50% becomes ₹1,06,660.
  • ₹10 lakh for 1 year at 6.50% becomes ₹10,66,602.
We check every bank's own rate page on a schedule and update these pages when a rate changes. Rates change often and without notice, so confirm with the bank on the day you invest. This is information, not advice.

Questions people ask

What is the Karnataka Bank FD rate for 1 year?

Karnataka Bank pays 6.50% a year on a 1-year deposit below ₹3 crore (6.90% for senior citizens). ₹5 lakh grows to ₹5,33,301. The slab is "1 year to 554 days".

What is the Karnataka Bank FD rate for 2 years?

Karnataka Bank pays 6.40% a year on a 2-year deposit below ₹3 crore (6.80% for senior citizens). ₹5 lakh grows to ₹5,67,701. The slab is "556 days to 2 years".

What is the Karnataka Bank FD rate for 3 years?

Karnataka Bank pays 6.15% a year on a 3-year deposit below ₹3 crore (6.55% for senior citizens). ₹5 lakh grows to ₹6,00,465. The slab is "Above 2 years to 3 years".

What is the Karnataka Bank FD rate for 5 years?

Karnataka Bank pays 6.15% a year on a 5-year deposit below ₹3 crore (6.55% for senior citizens). ₹5 lakh grows to ₹6,78,421. The slab is "Above 3 years to 5 years".

What is the Karnataka Bank tax-saver FD rate?

6.50% for 5 years (6.90% for senior citizens). It qualifies for 80C in the old tax regime and cannot be broken before 5 years.

Is money in a Karnataka Bank FD safe?

Karnataka Bank is a private bank. DICGC insures deposits up to ₹5 lakh per depositor per bank, principal and interest together.

More FD rate pages

1-year FD rates · 2-year FD rates · 3-year FD rates · 5-year FD rates · Senior citizen FD rates · Tax-saver FD rates · All FD rate pages · Post office FD rates · SCSS interest rate