"PLD Bank has been a trusted partner for our farming needs. Their agriculture loan process is simple and the interest rates are very affordable."
Ramakrishna Naik
Honavar
Growing Together Since 1966
Your trusted partner in rural banking and agricultural development
Explore Services16,800+
Members
5
Branches
59+
Years of Service
₹8,500+
Total Deposits (Lakhs)
Plan Your Loan
Loan Calculator
Calculate your EMI instantly
Loan Calculator
₹1,00,000
₹10,000₹20,00,000
10%
1%20%
60 months
6120
Monthly EMI
₹2,125
per month
Total Interest
₹27,482
Total Amount
₹1,27,482
Payment Breakdown
Principal₹1,00,000
Total Interest₹27,482
Trusted Cooperative Banking Since 1966
About PLD Bank
Established on 04-01-1966 under Registration No. R.C.S. 2039, the Honavar Taluka Primary Co-operative Agriculture and Rural Development Bank Ltd. has been a cornerstone of financial support for the farming and rural communities of Honavar Taluka, Uttara Kannada District, Karnataka.
With over 16,800 members and assets worth crores, we provide affordable credit, safe deposit options, and comprehensive financial services to empower our community.
Our Mission
To provide accessible, affordable, and reliable financial services to farmers and rural communities, fostering economic growth and self-reliance.
Our Vision
To be the most trusted cooperative bank in Uttara Kannada, enabling every member household to achieve financial security and prosperity.
Serving Agriculture & Rural Communities Since 1966
Grow Your Savings Securely
Deposit Schemes
| Type | Duration | Rate | Senior Rate |
|---|---|---|---|
| Fixed Deposit | 30 to 45 days | 4% | 4.5% |
| Fixed Deposit | 46 to 90 days | 5% | 5.5% |
| Fixed Deposit | 91 to 180 days | 6% | 6.5% |
| Fixed Deposit | 181 to 365 days | 7.5% | 8% |
| Fixed Deposit | 366 days and above | 8.5% | 9% |
| Savings Account | Ongoing | 4% | 4% |
| Recurring Deposit | 1 to 5 years | 8% | 8% |
Important Notices
Important Notices
Interest Rate Update 2025
Fixed deposit interest rates updated. 366+ days now at 8.50% p.a. Senior citizens get 0.50% extra.
Krishi Vikas Cash Certificate
Invest in Krishi Vikas Cash Certificate and double your money in 108 months (9 years).
Safe Locker Available
Safe locker facility available at Head Office Honavar. Contact us for details.
New Board of Directors 2025-2030
We welcome the new Board of Directors elected for the term 2025 to 2030.
Stay Updated
News & Events
news
Plan Your Financial Future: A Practical Guide to Savings and Fixed Deposits
Financial security begins with regular savings and thoughtful planning. Whether you are a farmer preparing for the next agricultural season, a salaried employee planning for your family's future, or a small business owner managing changing income, savings can help you prepare for emergencies and important life goals. Fixed deposits provide a structured option for setting aside money for an agreed period. Understanding deposit terms, interest, maturity, withdrawal conditions, and documentation helps customers make informed financial decisions.
19/10/2026PLD Bank Honnavar
news
Agricultural Finance: Planning Ahead for a Better Farming Season
Agricultural planning involves more than preparing land and selecting crops. Farmers must also estimate seasonal expenses, arrange funds for seeds and fertilisers, manage labour and irrigation costs, and plan for repayment around uncertain harvest income. Understanding the difference between short-term agricultural working capital and longer-term investment can help farmers make suitable financial decisions. Before borrowing, farmers should calculate their actual funding requirements, understand the applicable loan terms, and consider the risks associated with changing weather, market prices, and crop yields.
19/10/2026Admin
news
Gold Loans Explained: What Every Customer Should Know Before Applying
A gold loan allows an eligible customer to borrow money by pledging eligible gold jewellery or other accepted gold items as security, subject to the lender's terms. Before applying, customers should understand how gold purity and valuation affect the amount offered, how interest and fees are calculated, and when repayment is due. It is equally important to review the loan agreement, retain receipts, understand the conditions for releasing pledged jewellery, and assess whether repayment is manageable.
19/10/2026Admin
What Our Members Say
Member Testimonials
"I opened a fixed deposit here and the interest rates are much better than big banks. The staff is very helpful and courteous."
Savitha Gowda
Manki
"Got a gold loan in just a few hours. No unnecessary paperwork. Thank you PLD Bank for the quick service!"
Venkatesha Bhatt
Gerusoppa
""PLD Bank has been a trusted partner for our farming needs. Their agriculture loan process is simple and the interest rates are very affordable.""
Manju
Honnavar
"PLD Bank has been a trusted partner for our farming needs. Their agriculture loan process is simple and the interest rates are very affordable."
Ramakrishna Naik
Honavar
"I opened a fixed deposit here and the interest rates are much better than big banks. The staff is very helpful and courteous."
Savitha Gowda
Manki
"Got a gold loan in just a few hours. No unnecessary paperwork. Thank you PLD Bank for the quick service!"
Venkatesha Bhatt
Gerusoppa
""PLD Bank has been a trusted partner for our farming needs. Their agriculture loan process is simple and the interest rates are very affordable.""
Manju
Honnavar