Bank FD Comparison Tool
Standard Chartered Bank vs Cosmos Bank Fixed Deposit Comparison 2026
Compare Fixed Deposit interest rates, maturity amounts, and features between Standard Chartered Bank (Private Sector) and Cosmos Bank (Private Sector).
Standard Chartered
Private Sector
VS
Cosmos Bank
Private Sector
Standard Chartered: Min ₹10,000
Cosmos Bank: Min ₹1,000
DICGC Insured up to ₹5 Lakhs
Compare Your FD Returns
Adjust the parameters below to see how returns compare between the two banks
₹
Five Lakhs rupees
₹10,000₹20,00,000
years
1 year10 years
Interest Rate Comparison
Interest Rates by Tenure
General rates across different tenures
Current selection: 3 years (1095 days) -Standard Chartered: % |Cosmos Bank: %
Side-by-Side Rate Comparison
Direct comparison of general rates
Standard Chartered
Cosmos Bank
Highlighted = Your selected tenure
Feature Comparison
Features | Standard Chartered Private Sector | Cosmos Bank Private Sector |
|---|---|---|
Minimum FD Amount | ₹10,000 | ₹1,000 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
Standard Chartered Bank
Private Sector Bank
Key Advantages:
International bank with global presence
Senior citizens get +0.50% additional interest
Digital FD booking available
Competitive interest rates
Wide network across India
Rates effective from 01.01.2026
Cosmos Bank
Private Sector Bank
Key Advantages:
Co-operative bank
Competitive interest rates
Digital banking services
Online FD booking facility
Senior citizen rates vary by tenure
Special scheme: 13 Months, 16 months
Rates effective from 01.12.2025
Important: Fixed Deposit Safety & Insurance Coverage
₹5 Lakh Insurance Limit
The Deposit Insurance and Credit Guarantee Corporation (DICGC) provides insurance coverage of up to ₹5 lakhs per depositor per bank. This means if you deposit more than ₹5 lakhs in a single bank, only ₹5 lakhs is guaranteed by the government.
⚠️ Recommendation:
Never deposit more than ₹5 lakhs in a single bank. If you have larger amounts, distribute them across multiple banks to ensure full insurance coverage.
Smart Distribution Strategy
For ₹10 lakhs: Split between Standard Chartered (₹5L) + Cosmos Bank (₹5L)
For ₹15 lakhs: Add a third bank to the mix
💡 Pro Tip:
You can also open FDs in different family members' names in the same bank to get additional ₹5 lakh coverage for each account holder.
Key Insights & Recommendations
Choose Standard Chartered If:
- •Minimum amount: ₹10,000
- •Private Sector banking preference
- •International bank with global presence
- •Senior citizens get +0.50% additional interest
- •Digital FD booking available
Choose Cosmos Bank If:
- •Minimum amount: ₹1,000
- •Private Sector banking preference
- •Co-operative bank
- •Competitive interest rates
- •Digital banking services
Best Strategy:
- •Split large amounts across both banks
- •Keep ≤₹5L per bank for insurance
- •Compare rates before investing
- •Consider branch convenience
- •Review rates periodically
Explore more FD comparisons
Looking for a different bank matchup? Use these quick links to jump to other FD comparisons.
Compare Standard Chartered with other banks
Compare Cosmos Bank with other banks
Ready to Invest in Fixed Deposits?
Use our individual bank calculators for detailed planning