Make Your Savings Work Smarter
Fixed Deposit solutions designed for your financial goals —
whether you’re planning for tomorrow, building security, or
growing your savings.
Fixed Deposit — At a Glance
Interest Rate p.a.
Tenure From
Minimum Deposit
Max Tenure Slab
- Structured savings, member-first rates
- CMS-managed, always up to date
- Group Deposit credit facility available
Deposit Products
Loan Against Group Deposit
Serving Since
Branches
A Deposit for Every Stage of Your Life
Nine deposit products designed around realmmember needs — from everyday savings to structured, goal-based growth.
FIXED
Deposit
Structured Term Savings
Fixed Deposit
Plan your savings with structured deposit options and applicable interest rates, from
short tenures to long-term growth.
- Flexible tenure slabs
- Rates confirmed by the bank
- Maintained via CMS for accuracy
RD
Monthly Plan
Grow Little by Little
Recurring Deposit
Build your savings steadily with a monthly recurring deposit plan suited to regular
income earners.
- Fixed monthly contribution
- Disciplined, goal-based saving
- Member-friendly terms
SB
Everyday
Everyday Banking
Savings Bank Account
A simple, reliable savings account for daily banking needs — with a dedicated S.B
account option for children too.
- Savings Bank Account
- S.B for Children
- Current Account for business needs
More Schemes:
Non-Agri Short Term
Non-Agri Medium Term
Schematic Loans
Pledge Loans
Jewel Loans
Housing Loans
Vehicle Loans
FD Maturity Calculator
Estimate your maturity amount before you deposit.
Adjust Your Parameters
Your Estimated Maturity
₹ —
Awaiting current FD rate from bank
Principal
₹1,00,000
Interest Earned
—
Group Deposit & Credit Scheme
Safe custody, transparent per-gram valuation, and Kerala’s most competitive gold loan rates — all from a bank that’s been your neighbour for over seven decades.
75%
Loan Value
50/25
Month Terms
Instant Gold Loan
Funds in 30 minutes. Minimal paperwork for urgent personal needs.
Instant Gold Loan
Funds in 30 minutes. Minimal paperwork for urgent personal needs.
Instant Gold Loan
Funds in 30 minutes. Minimal paperwork for urgent personal needs.
Instant Gold Loan
Funds in 30 minutes. Minimal paperwork for urgent personal needs.
Instant Gold Loan
Funds in 30 minutes. Minimal paperwork for urgent personal needs.
Instant Gold Loan
Funds in 30 minutes. Minimal paperwork for urgent personal needs.
Deposit Rates, Always Current
Interest rates are managed centrally by the bank and updated
regularly — view the live Interest Rate Hub for the latest
figures across all deposit products.
From Enquiry to Open Deposit
A streamlined process built around your time, not ours.
STEP 01
Choose Your Deposit
Select the product that fits your savings goal.
STEP 02
Submit Documents
ID, address proof, and passport photos.
STEP 03
Quick Approval
Our team confirms and activates your account.
STEP 04
Start Saving
Your deposit account is ready to use.
We Are With You Every Step.
Makkaraparamba Service Co-operative Bank — Your Bank. Your Community. Your Growth.
Banking built around you, since 1952.
Frequently Asked Questions
How can I open an account with MSCB?
Visit any of our 6 branches with a valid ID proof, address proof and passport photos. Our staff will guide you through the process.
What gold loan options does MSCB offer?
Visit any of our 6 branches with a valid ID proof, address proof and passport photos. Our staff will guide you through the process.
What are the current Fixed Deposit interest rates?
Visit any of our 6 branches with a valid ID proof, address proof and passport photos. Our staff will guide you through the process.
What is MSCB Smart Book?
Visit any of our 6 branches with a valid ID proof, address proof and passport photos. Our staff will guide you through the process.
Where are MSCB branches located?
Visit any of our 6 branches with a valid ID proof, address proof and passport photos. Our staff will guide you through the process.
What documents are required for a loan?
Visit any of our 6 branches with a valid ID proof, address proof and passport photos. Our staff will guide you through the process.