Rates verified from official source

Andaman & Nicobar State Co-operative Bank
deposit rates

Top FD rate
7.25%
1 year to less than 5 years
Senior citizen FD
7.75%
1 year to less than 5 years
Savings rate
4.00%
Above ₹10 lakhs
1-year FD rank
#2
of 2 public sector banks · 7.25%

Overview

www.anscbank.in

Andaman & Nicobar State Co-operative Bank (ANSCB) is a nationalised public sector bank, headquartered in Port Blair, established in 1978. Its headline 1-year FD rate of 7.25% is −0.15% below the public sector average of 7.40%, ranking #2 of 2 public sector banks.

Headquarters
Port Blair
Established
1978
Ownership
State co-operative bank licensed by RBI; owned by co-operative societies across Andaman & Nicobar Islands
Operates in
Andaman and Nicobar Islands
Financial health
Standalone CRAR / NPA figures are not published separately for this bank. Payments banks do not offer fixed deposits and are regulated differently.
1-year FD rate
7.25%
−0.15% below the public sector average of 7.40%
Peer rank
#2
of 2 public sector banks
Recent movement
unchanged

Rates as of 1 Dec 2022, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.

Maturity calculator

Estimate returns at ANSCB (quarterly compounding)

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Fixed Deposit rates

Rates for deposits below ₹3 crore · General vs Senior · trend over time

4%4.50%5%5.50%6%6.50%7%7.50% 15 to 30 days: 4.50% 31 to 45 days: 4.75% 46 to 90 days: 5.25% 91 to 180 days: 5.50% 181 to 269 days: 5.75% 270 to 364 days: 7.00% 1 year to less than 5 years: 7.25% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 5 years to 10 years: 6.95% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 15d1m2m3m6m9m1y5y 4.504.755.255.505.757.007.256.95 General Post Office TD

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.

4%5%6%7%8% 15 to 30 days: 5.00% (General: 4.50%) 31 to 45 days: 5.25% (General: 4.75%) 46 to 90 days: 5.75% (General: 5.25%) 91 to 180 days: 6.00% (General: 5.50%) 181 to 269 days: 6.25% (General: 5.75%) 270 to 364 days: 7.50% (General: 7.00%) 1 year to less than 5 years: 7.75% (General: 7.25%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 5 years to 10 years: 7.45% (General: 6.95%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 15d1m2m3m6m9m1y5y 5.005.255.756.006.257.507.757.45 Senior General Post Office TD

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.

4.50%5%5.50%6%6.50%7%7.50%8% 15 to 30 days: 5.00% (Senior: 5.00%) 31 to 45 days: 5.25% (Senior: 5.25%) 46 to 90 days: 5.75% (Senior: 5.75%) 91 to 180 days: 6.00% (Senior: 6.00%) 181 to 269 days: 6.25% (Senior: 6.25%) 270 to 364 days: 7.50% (Senior: 7.50%) 1 year to less than 5 years: 7.75% (Senior: 7.75%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 5 years to 10 years: 7.45% (Senior: 7.45%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 15d1m2m3m6m9m1y5y 5.005.255.756.006.257.507.757.45 Senior Senior Post Office TD

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.

TenureGeneralSeniorTrendApplies to
15 to 30 days
 4.50% 5.00% Any amount
31 to 45 days
 4.75% 5.25% Any amount
46 to 90 days
 5.25% 5.75% Any amount
91 to 180 days
 5.50% 6.00% Any amount
181 to 269 days
 5.75% 6.25% Any amount
270 to 364 days
 7.00% 7.50% Any amount
1 year to less than 5 years
 7.25% 7.75% Any amount
5 years to 10 years
 6.95% 7.45% Any amount
Source ↗

Savings account rates

Rates for deposits below ₹3 crore · general vs senior citizen · trend over time

TenureGeneralSeniorTrendApplies to
Any tenure
 3.00% — Up to ₹1 lakh
Any tenure
 3.50% — ₹1 lakh to ₹10 lakhs
Any tenure
 4.00% — Above ₹10 lakhs
Source ↗

Good to know

Deposits with Andaman & Nicobar State Co-operative 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.

official Effective 1 Dec 2022 · Ingested 29 Sept 2026 · Verified 30 Sept 2026 · View source

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