Assam Co-operative Apex Bank (ACAB) is a nationalised public sector bank, headquartered in Guwahati, established in 1948. Its headline 1-year FD rate of 6.50% is −0.25% below the public sector average of 6.75%, ranking #4 of 5 public sector banks.
Rates as of 10 Oct 2025, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at ACAB (quarterly compounding)
Rates for deposits below ₹3 crore · General vs Senior · trend over time
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
No additional super-senior premium — showing Senior rates.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
15 to 30 days |
3.90% | 3.90% | — | Any amount |
31 to 45 days |
3.95% | 3.95% | — | Any amount |
46 to 60 days |
4.20% | 4.20% | — | Any amount |
61 to 90 days |
4.30% | 4.30% | — | Any amount |
91 to 180 days |
4.75% | 4.75% | — | Any amount |
181 to 269 days |
4.90% | 4.90% | — | Any amount |
270 to 364 days |
5.90% | 5.90% | — | Any amount |
365 days to less than 455 days |
6.50% | 6.75% | — | Any amount |
455 days |
6.75% | 7.10% | — | Any amount |
456 days to less than 3 years |
6.20% | 6.45% | — | Any amount |
3 years to less than 5 years |
6.40% | 6.65% | — | Any amount |
5 years and above |
6.10% | 6.35% | — | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 year to less than 2 years |
6.20% | 6.45% | — | Any amount |
2 years to less than 3 years |
6.20% | 6.45% | — | Any amount |
3 years to less than 5 years |
6.40% | 6.65% | — | Any amount |
5 years and above |
6.10% | 6.35% | — | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.50% | — | — | Up to Rs.5 lakh |
Any tenure |
2.60% | — | — | Above Rs.5 lakh |
Deposits with Assam Co-operative Apex Bank are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.
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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