Kerala Gramin Bank FD Interest Rates

Top Guaranteed Return Plans

Fixed return plans are guaranteed returns as well as life insurance. They are suitable for risk-averse investors and guarantee stable growth that is not dependent on market instability.

What is Kerala Gramin Bank FD?

A Kerala Gramin Bank (KGB) Fixed Deposit is a secure and reliable investment product that allows you to deposit a lump sum for a fixed period to earn a predetermined interest. As a Regional Rural Bank, KGB offers competitive interest rates, often with special, higher rates for senior citizens.

Information About FDs & Other Options

When choosing an investment, it's important to understand the distinctions between options. Fixed deposits offer guaranteed returns and security, while other products, such as guaranteed return plans and mutual funds, can provide growth opportunities with different degrees of risk.

Kerala Gramin Bank FD: Key Highlights

Kerala Gramin Bank FD Rates Revised 

Kerala Bank reduces interest rates on long-term deposits; new rates are now in effect. Some of the cooperative banks also face similar rate cuts.

Kerala Gramin Bank Fixed Deposit Interest Rates 2026

*Kerala Gramin Bank FD Interest Rates w.e.f 4th December 2025

Types of Kerala Gramin Bank FD

Kerala Gramin Regular Fixed Deposits 

Fixed Deposits are one of the most reliable ways of investing money in a fixed account in the event that one wants to have a safe and secure investment. It is a tried and tested investment option that enables one to have a secure financial future, and it may even beat inflation. 

• Tenure - 7 days to 10 years 
• Interest Payout Options - monthly/quarterly/half-yearly
• Deposit Amount - Minimum Rs 1000 with no maximum limit
• TDS - Applicable 
• Nomination / Auto-Renewal Facility - Yes, available 

Features of Kerala Gramin Bank Fixed Deposit Interest Rates

Listed below are some prominent features of fixed deposits:

• Flexible Tenure: Fixed deposit accounts can be opened for a period ranging from 7 days to 10 years.
• Interest Payout Options: Customers can choose to receive their interest payouts on a monthly, quarterly, or half-yearly basis.
• TDS: Tax Deducted at Source (TDS) is applicable as per existing Income Tax guidelines.
• Loan Against FD: You can avail of a loan against your fixed deposit, with an interest rate of only 2% above the deposit rate, up to a limit based on the residual maturity period.
• Premature Closure: Premature closure of the deposit is allowed, but it comes with a penalty charge of 1% on the interest rate for the period the money was held.
• Nomination Facility: A nomination facility is available to secure the deposit for your chosen beneficiary.
• Auto-Renewal: The fixed deposit is also subject to an auto-renewal facility, ensuring your investment continues without interruption upon maturity.

How to Open Kerala Gramin Bank FD

A Fixed Deposit (FD) with Kerala Gramin Bank is a trusted way to grow your money with attractive, guaranteed returns. Here are the two ways to apply for the same - 

1.  Online FD 

   If you are an existing customer of Kerala Gramin Bank with access to its digital banking services, you can open an FD online with ease.

   • Log in to Mobile App/NetBanking: Log in to the bank's Mobile Banking App or the Internet Banking portal.
   • Go to ‘Fixed Deposit’: Navigate to the 'Deposits' section and select the option to 'Open Term Deposit Account'.
   • Select FD Amount: Choose your savings account for the debit, and enter the amount you wish to invest.
   • Select FD Type: Choose from the available fixed deposit types and specify your interest payout preference.
   • Maturity Instructions: Select your instructions for maturity, such as auto-renewal, and review the details.
   • Review & Confirm: Check all the details, accept the terms and conditions, and submit your request.
   • FD Receipt: A digital FD receipt will be generated instantly as confirmation.

2.  Offline FD Account Opening

   For those who prefer a traditional, in-person process, you can visit any of the bank’s branches to open a Fixed Deposit account.

   • Visit the Branch: Visit your nearest Kerala Gramin Bank branch with your necessary documents.
   • Fill the FD Form: A bank representative will provide you with the Fixed Deposit application form to fill out.
   • Submit Documents: Submit the completed form along with the required KYC Documents. 
   • Fund Transfer/Deposit: Deposit the FD amount through cash, cheque, or by transferring 
   • Tenure & Interest Options: Choose your desired tenure and the interest payout frequency.
   • Get the FD Receipt: The bank will issue a physical Term Deposit Receipt. 

Eligiblity 

The people who are eligible for the Kerala Gramin Bank FD are as follows - 

• HUFs
• Public and private companies
• Partnership firms
• Trusts and Societies
• NRIs (Non-resident Indians) and PIOs (Persons of Indian Origin)

In Conclusion

Fixed deposit interest rates are liable to change as per the government policies or the RBI guidelines. It is always wise on the part of the customer to remain updated on the ups and downs in the market trends, government policies, and errors, if any.