Deposit Interest Rate- The Surat People's Co-operative Bank Ltd.

Rate of Interest on Deposits

(W.E.F –01.10.2025)

Duration	Rate of Interest on Deposits Less than ₹ 1 Crore (RETAIL RATE) (1)	Annualized Yield of (1)	Rate of Interest on Deposits for Senior Citizens (0.50% Extra)* (2)	Annualized Yield of (2)	Rate of Interest on Deposits ₹ 1 Crore and above (BULK RATE) (3)	Annualized Yield of (3)	Rate of Interest on Deposits ₹ 1 Crore and above (Non Collable) (4)	Annualized Yield of (4)
7 days upto 14 days	4.50	4.50	4.50	4.50	4.50	4.50	NA	NA
15 days upto 30 days	4.50	4.50	4.50	4.50	4.50	4.50	NA	NA
31 days upto 45 days	4.50	4.50	4.50	4.50	4.50	4.50	NA	NA
46 days upto 90 days	5.50	5.50	5.50	5.50	5.50	5.50	NA	NA
91 days upto 180 days	5.50	5.50	5.50	5.50	5.50	5.50	NA	NA
181 days upto 1 Year	6.25	6.40	6.25	6.40	6.25	6.40	6.50	6.66
Above 1 Year upto 2 Years	7.25	7.45	7.75	7.98	7.50	7.71	7.60	7.82
Above 2 Years upto 3 Years	7.25	7.45	7.75	7.98	7.50	7.71	7.60	7.82
Above 3 Years upto 4 Years	7.75	7.98	8.25	8.51	8.00	8.24	8.10	8.35
Above 4 Years upto 5 Years	7.00	7.19	7.50	7.71	7.25	7.45	7.35	7.56
Above 5 Years upto 10 Years	7.00	7.19	7.50	7.71	7.25	7.45	7.35	7.56
Vasudhara Tax Planning Scheme	7.00	7.19	7.50	7.71	7.25	7.45	7.35	7.56

Interest Rates on Savings deposit – (w.e.f 01-11-2025)

Savings Deposits Interest rate: Slab Wise as below.

Sr		Slabs	New rate

1	Up to 10 lakh			3.25%
2	Above 10.00 lakh & up to 20.00 lakh			3.50%
3	Above 20.00 lakh & up to 1.0 Cr			4.00%
4	Above 1.00 Cr & up to 1.50 Cr			6.00%
5	Above 1.50 Cr			7.00%
1.Staff is entitled to additional 1% & Ex-staff is entitled to additional 0.50% on the rates mentioned above. 2.Interest will be Calculated on incremental balances in each interest rate slab at applicable rates w.e.f 01-11-2025. 3.Interest will be calculated daily basis on the closing balance in account and will be credited quarterly.

2. Staff is entitled to 1% more for Term deposits. Where as Ex- Staff is entitled to 0.50% more for Term deposits but this additional rate is applicable upto Total value of Fixed deposit of Rs. 1 Crore(w.e.f 21-10-2025).

3. Senior Citizens of 60 years and above are entitled to 0.50 % more for the term deposit of above 1 year on fresh / renewal of deposits.

4. Bulk Deposits (Single deposit of ₹ 1.00 crore and above) rate of interest 0.25% more from above rates for term deposit of above 1 year.

5. No Interest on Current deposits.

6. Premature Withdrawal is not allowed on Non-Callable FD.

7. Non-Callable FD is not Considering for FD/OD, LC/BG cases.

8. Co-operative Banks Term deposit is accepted for Non-Collable FD of 1Crore & above

9. Co-operative Banks Term deposit not to be accepted for Bulk Deposit of 1Crore & above( Co-operative Banks single Term deposit will be accepted up to 99,99,999/- ).

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