The Kalna Town Credit Co-operative Bank Ltd. offers one of the most rewarding Fixed Term Deposit (T.D.) schemes in the region. Whether you are planning a royal wedding, purchasing a home or car, investing in your child's education, or simply growing your wealth — our Fixed Deposit scheme is tailored to meet your timely financial needs with guaranteed, attractive returns.
You can deposit any amount starting from a minimum of ₹1,000 for tenures ranging from 15 days to 10 years. Choose from Short Deposit Receipts, Monthly Income Certificates, Quarterly Income Certificates, or Reinvestment Deposits. Fully secured under DICGC insurance up to ₹5,00,000 and governed by the Reserve Bank of India.
Maximum period of 179 days. Ideal for short-term surplus parking with attractive short-tenure rates.
Get monthly interest deposited in your savings account — withdraw easily via ATM/Debit Card.
Receive interest at undiscounted rates at the end of every quarter.
Earn the maximum — interest is compounded every quarter for the highest maturity value.
Our bank provides the following features for Fixed Term Deposit account holders:
| # | Tenure / Category | Rate of Interest (p.a.) | Effective From |
|---|---|---|---|
| 1 | 15 Days to 45 Days | 5.50% | 01-Apr-2024 |
| 2 | 46 Days to 179 Days | 6.25% | 01-Apr-2024 |
| 3 | 180 Days to 1 Year | 7.00% | 01-Apr-2024 |
| 4 | 1 Year to 3 Years | 7.75% | 01-Apr-2024 |
| 5 | 3 Years to 5 Years | 8.25% | 01-Apr-2024 |
| 6 | Above 5 Years (Senior Citizen: +0.50%) | 9.00% | 01-Apr-2024 |
Interest rates are subject to change as per RBI guidelines and Bank Board decisions. No interest is payable if account is closed before 15 days of maturity. A penalty of 1% will be levied on premature closure. No auto-renewal after maturity.
Download the Fixed Deposit Opening Form from the link above or collect it at our Kalna branch.
Select your preferred deposit amount, tenure, and payout type (Monthly / Quarterly / Reinvestment).
Submit completed form with KYC documents and initial deposit amount at the Kalna branch counter.
Collect your Fixed Deposit receipt / certificate. Maturity proceeds are credited automatically.
Our banking experts are ready to help you choose the right scheme.
