Rates verified from official source

Andhra Pradesh State Co-operative Bank
deposit rates

Top FD rate
7.40%
271 to 364 days
Senior citizen FD
8.00%
271 to 364 days
Savings rate
5.00%
₹1 lakh & above
1-year FD rank
#1
of 3 public sector banks · 7.40%

Overview

apcob.bank.in

Andhra Pradesh State Co-operative Bank (APCOB) is a nationalised public sector bank, headquartered in Hyderabad, established in 1914. Its headline 1-year FD rate of 7.40% is +0.90% above the public sector average of 6.50%, ranking #1 of 3 public sector banks.

Headquarters
Hyderabad
Established
1914
Ownership
State co-operative bank; apex co-operative banking institution for Andhra Pradesh, owned by district co-operative central banks and the state government
Operates in
Andhra Pradesh
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
7.40%
+0.90% above the public sector average of 6.50%
Peer rank
#1
of 3 public sector banks
Recent movement
Tracking started

Rates as of 15 Jul 2026, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.

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Fixed Deposit rates

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

5%5.50%6%6.50%7%7.50% 7 to 14 days: 5.50% 15 to 45 days: 6.00% 46 to 90 days: 6.00% 91 to 179 days: 6.60% 180 to 270 days: 6.60% 271 to 364 days: 7.40% 1 year: 7.40% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) More than 1 year to 2 years: 7.20% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years to 5 years: 7.00% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 5 years to 10 years: 6.75% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d2m3m6m9m1y366d731d1826d 5.506.006.006.606.607.407.407.207.006.75 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% 7 to 14 days: 6.10% (General: 4.05%) 15 to 45 days: 6.60% (General: 5.30%) 46 to 90 days: 6.60% (General: 5.30%) 91 to 179 days: 7.20% (General: 5.90%) 180 to 270 days: 7.20% (General: 6.55%) 271 to 364 days: 8.00% (General: 7.40%) 1 year: 8.00% (General: 7.40%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) More than 1 year to 2 years: 7.80% (General: 7.20%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years to 5 years: 7.60% (General: 6.45%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 5 years to 10 years: 7.35% (General: 6.25%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d2m3m6m9m1y366d731d1826d 6.106.606.607.207.208.008.007.807.607.35 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.

4%5%6%7%8% 7 to 14 days: 6.20% (Senior: 4.65%) 15 to 45 days: 6.70% (Senior: 5.90%) 46 to 90 days: 6.70% (Senior: 5.90%) 91 to 179 days: 7.30% (Senior: 6.50%) 180 to 270 days: 7.30% (Senior: 7.15%) 271 to 364 days: 8.10% (Senior: 8.00%) 1 year: 8.10% (Senior: 8.00%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) More than 1 year to 2 years: 7.90% (Senior: 7.80%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years to 5 years: 7.70% (Senior: 7.05%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 5 years to 10 years: 7.45% (Senior: 6.85%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d2m3m6m9m1y366d731d1826d 6.206.706.707.307.308.108.107.907.707.45 Super 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.

TenureGeneralSeniorSuper Sr.TrendApplies to
7 to 14 days
 4.05% 4.65% 4.75%— Below ₹15 lakh
7 to 14 days
 4.10% 4.65% 4.75%— ₹15 lakh to ₹1 crore
7 to 14 days
 5.40% 4.65% 4.75%— ₹1 crore to ₹10 crore
7 to 14 days
 5.50% 4.65% 4.75%— Above ₹10 crore
15 to 45 days
 5.30% 5.90% 6.00%— Below ₹15 lakh
15 to 45 days
 5.35% 5.90% 6.00%— ₹15 lakh to ₹1 crore
15 to 45 days
 5.80% 5.90% 6.00%— ₹1 crore to ₹10 crore
15 to 45 days
 6.00% 5.90% 6.00%— Above ₹10 crore
46 to 90 days
 5.30% 5.90% 6.00%— Below ₹15 lakh
46 to 90 days
 5.35% 5.90% 6.00%— ₹15 lakh to ₹1 crore
46 to 90 days
 5.80% 5.90% 6.00%— ₹1 crore to ₹10 crore
46 to 90 days
 6.00% 5.90% 6.00%— Above ₹10 crore
91 to 179 days
 5.90% 6.50% 6.60%— Below ₹15 lakh
91 to 179 days
 5.95% 6.50% 6.60%— ₹15 lakh to ₹1 crore
91 to 179 days
 6.50% 6.50% 6.60%— ₹1 crore to ₹10 crore
91 to 179 days
 6.60% 6.50% 6.60%— Above ₹10 crore
180 to 270 days
 6.55% 7.15% 7.25%— Below ₹15 lakh
180 to 270 days
 6.60% 7.15% 7.25%— ₹15 lakh to ₹1 crore
180 to 270 days
 6.50% 7.15% 7.25%— ₹1 crore to ₹10 crore
271 to 364 days
 7.40% 8.00% 8.10%— Below ₹15 lakh
271 to 364 days
 7.00% 8.00% 8.10%— ₹15 lakh to ₹1 crore
271 to 364 days
 7.00% 8.00% 8.10%— ₹1 crore to ₹10 crore
271 to 364 days
 7.00% 8.00% 8.10%— Above ₹10 crore
1 year
 7.40% 8.00% 8.10%— Below ₹15 lakh
1 year
 7.00% 8.00% 8.10%— ₹15 lakh to ₹1 crore
1 year
 7.00% 8.00% 8.10%— ₹1 crore to ₹10 crore
1 year
 7.00% 8.00% 8.10%— Above ₹10 crore
More than 1 year to 2 years
 7.20% 7.80% 7.90%— Below ₹15 lakh
More than 1 year to 2 years
 6.80% 7.80% 7.90%— ₹15 lakh to ₹1 crore
More than 1 year to 2 years
 6.80% 7.80% 7.90%— ₹1 crore to ₹10 crore
More than 1 year to 2 years
 7.00% 7.80% 7.90%— Above ₹10 crore
2 years to 5 years
 6.45% 7.05% 7.15%— Below ₹15 lakh
2 years to 5 years
 6.45% 7.05% 7.15%— ₹15 lakh to ₹1 crore
2 years to 5 years
 6.70% 7.05% 7.15%— ₹1 crore to ₹10 crore
2 years to 5 years
 7.00% 7.05% 7.15%— Above ₹10 crore
5 years to 10 years
 6.25% 6.85% 6.95%— Below ₹15 lakh
5 years to 10 years
 6.25% 6.85% 6.95%— ₹15 lakh to ₹1 crore
5 years to 10 years
 6.45% 6.85% 6.95%— ₹1 crore to ₹10 crore
5 years to 10 years
 6.75% 6.85% 6.95%— Above ₹10 crore
Source ↗

Savings account rates

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

TenureGeneralSeniorTrendApplies to
Any tenure
 3.75% — — Below ₹1 lakh
Any tenure
 5.00% — — ₹1 lakh & above
Source ↗

Good to know

Deposits with Andhra Pradesh 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 15 Jul 2026 · Ingested 30 Sept 2026 · Verified 30 Sept 2026 · View source

Informational only — always confirm the current rate on the official APCOB 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.