Arunachal Pradesh State Co-operative Apex Bank (APAB) is a nationalised public sector bank, headquartered in Itanagar, established in 1975. Its headline 1-year FD rate of 5.75% is −1.58% below the public sector average of 7.33%, ranking #3 of 3 public sector banks.
Rates as of 1 Jun 2020, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at APAB (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 |
|---|---|---|---|---|
7 to 45 days |
4.00% | 4.50% | — | Below ₹1 crore |
46 to 180 days |
4.50% | 5.00% | — | Below ₹1 crore |
181 days to less than 1 year |
5.00% | 5.50% | — | Below ₹1 crore |
181 days to less than 1 year |
5.50% | 5.50% | — | ₹1 crore & above |
1 year to 3 years |
5.75% | 6.25% | — | Below ₹1 crore |
1 year to 3 years |
6.25% | 6.25% | — | ₹1 crore & above |
3 years to 5 years |
6.00% | 6.50% | — | Below ₹1 crore |
3 years to 5 years |
6.50% | 6.50% | — | ₹1 crore & above |
Above 5 years |
6.50% | 7.00% | — | Below ₹1 crore |
Above 5 years |
7.00% | 7.00% | — | ₹1 crore & above |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
3.00% | — | — | Any amount |
Deposits with Arunachal Pradesh State 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 APAB 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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