KTCCB
Wed, 11 Mar 2026 RBI Regulated CBS Enabled

Interest Rates

Official Rate Schedule

Competitive Interest Rates
Designed for You

The Kalna Town Credit Co-operative Bank offers transparent, RBI-compliant interest rates on all deposit and loan products — built to maximise your returns and minimise your borrowing costs.

+0.50%
Senior Citizen Benefit
CBS
Core Banking System
RBI
Compliant & Regulated
Rates Effective: As Per Latest RBI Guidelines & Board Approval
Last Updated: 11-03-2026
★ Senior Citizens +0.50% on Term Deposits
KTCCB
Kalna Town Credit Co-op Bank
RBI
Licensed & Regulated Bank
₹5 Lakh
DICGC Deposit Insurance

Fixed Deposit Interest Rates

Senior Citizen Benefit: Senior citizens (60 years & above) are entitled to receive an additional 0.50% per annum over the applicable rate of interest on Term Deposits with tenure from 1 to 10 years, as per bank policy.
Fixed Deposit (FD) Rate Chart
Annual interest rates — compounded quarterly
10 Term Deposits
Tenure Period Rate of Interest (% p.a.)
1 7 Days to 14 Days Compounded Quarterly 3.00%
2 15 Days to 29 Days Compounded Quarterly 3.00%
3 30 Days to 45 Days Compounded Quarterly 4.50%
4 46 Days to 89 Days Compounded Quarterly 4.50%
5 90 Days to 179 Days Compounded Quarterly 4.75%
6 180 Days to 364 Days Compounded Quarterly 5.75%
7 1 Year to 2 Years Compounded Quarterly 6.50%
8 2 Years to 3 Years Compounded Quarterly 6.60%
9 3 Years to Below 5 Years Compounded Quarterly 6.30%
10 5 Years to 10 Years Compounded Quarterly 6.00%
Senior Citizens receive an additional +0.50% on all term deposits from 1 to 10 years. Present valid age proof at the time of account opening.

Loan & Advance Interest Rates

Important: Loan interest rates are subject to revision based on RBI policy announcements and board decisions. Final rates are confirmed at the time of loan sanction. Rate concessions may be available for priority sector and special schemes. Contact your nearest branch for personalised rates.
Loan & Advance Rate Chart
Interest rates as per current sanction schedule
8 Loan Types
Loan Type Rate of Interest (% p.a.)
1 Home Loan Reducing Balance 7.30%
2 Loan Against Property Reducing Balance 10.50%
3 Personal Loan Flat Rate 12.00%
4 Gold Loan Reducing Balance 7.50%
5 Business Loan CC,OD Reducing Balance 9.50%
6 Vehicle Loan Reducing Balance 9.00%
7 Postal loan 8.00%
8 SHG Loan 11.00%
All loan rates shown are indicative and subject to individual credit appraisal. Processing fees and other charges may apply. Please visit the branch for the final offer letter.

Ready to Open an Account or Apply for a Loan?

Visit our branch in Kalna or contact us today. Our banking experts will guide you to the best product for your financial goals.

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