Assam Co-operative Apex Bank interest rates · November 2026
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Overview
Assam Co-operative Apex Bank (ACAB) is a state co-operative apex bank, headquartered in Guwahati, established in 1948. Its headline 1-year FD rate of 6.50% is 0.23% below the state co-operative bank average of 6.73%, ranking #594 of 1033 banks on RateScan.in.
Rates as of 10 Oct 2025, verified from official source. State co-operative bank, regulated by RBI and supervised by NABARD: deposits insured by DICGC up to ₹5,00,000. One of 961 co-operative banks whose rates we checked at the source in the last 7 days.
RBI record
Every RBI press release since 1 Jan 2024 that names Assam Co-operative Apex Bank, newest first, each linked to RBI. Checked every week; last on 11 Nov 2026.
A monetary penalty is a fine for not following an RBI rule. On its own it does not stop the bank taking or repaying deposits; RBI does that through directions, which are listed here when they apply.
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RBI fined the bank ₹50,000
RBI's reason: “for non-compliance with certain directions issued by RBI on ‘Know Your Customer (KYC)’”
What RBI found
“The bank had failed to carry out periodic review of risk categorization of accounts, with such periodicity being at least once in six months.”
RBI says: “This action is based on deficiency in regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers.”
This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.
Branches
14 branches in 12 districts
Most branches: Barpeta 2, Kamrup 2, Bongaigaon 1
From the bank's own branch list (checked 3 Nov 2026); RBI's IFSC directory lists these branches under one shared code. Check with the bank before visiting: www.acab.bank.in
ACAB rates
Every rate, tenure by tenure, and what your money grows to.
ACAB Fixed Deposit rate changes
Changes to ACAB's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 30 Sept 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.
No change to ACAB's fixed deposit (FD) rates has been recorded since tracking started on 30 Sept 2026.
Good to know
- Deposits with Assam Co-operative Apex Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
- ACAB is a state co-operative bank. Co-operative banks are regulated by the RBI together with the state registrar of co-operative societies; check that the bank is covered by DICGC before depositing.
- Senior citizens (60+) earn up to 0.35% p.a. more than general customers at ACAB, depending on the tenure.
Informational only. Always confirm the current rate on the official ACAB website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
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