Rates verified from official source

Andhra Pradesh State Co-operative Bank Fixed Deposit interest rates · November 2026

APCOB's best Fixed Deposit rate is 7.40% (271 to 364 days), 0.70 points below the best on the market (8.10%).

  • Seniors: up to 8.00% (271 to 364 days), 0.60 points above the general rate for that tenure.

What will my FD earn at APCOB?

Estimated value after 1 year · before tax ₹5,38,039 7.40% p.a. · ₹38,039 interest · quarterly compounding
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Deposit amount

Showing 8 of 29 rates.

TenureGeneralSeniorSuper Sr.Applies toEffective OnSource
7 to 14 days
Below ₹15 lakh
 4.05% 4.65% 4.75% Below ₹15 lakh
15 Jul 2026
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026
15 to 90 days
2 slabs at this rate
Below ₹15 lakh
 5.30% 5.90% 6.00% Below ₹15 lakh
15 Jul 2026
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026
91 to 179 days
Below ₹15 lakh
 5.90% 6.50% 6.60% Below ₹15 lakh
15 Jul 2026
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026
180 to 270 days
Below ₹15 lakh
 6.55% 7.15% 7.25% Below ₹15 lakh
15 Jul 2026
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026
271 to 1 year
2 slabs at this rate
Below ₹15 lakh
 7.40% 8.00% 8.10% Below ₹15 lakh
15 Jul 2026
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026
More than 1
year to 2 years
Below ₹15 lakh
 7.20% 7.80% 7.90% Below ₹15 lakh
15 Jul 2026
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026
2 years
to 5 years
Below ₹15 lakh
 6.45% 7.05% 7.15% Below ₹15 lakh
15 Jul 2026
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026
5 years to
10 years
Below ₹15 lakh
 6.25% 6.85% 6.95% Below ₹15 lakh
15 Jul 2026
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026

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APCOB FD return examples

DepositHighest rate1 year7.40%2 years7.20%5 years6.45%10 years6.25%
₹50,000★₹53,804₹3,804 a year₹308/mo₹57,670₹3,698 a year₹300/mo₹68,851₹3,304 a year₹269/mo₹92,962₹3,199 a year₹260/mo
₹1 lakh★₹1,07,608₹7,608 a year₹617/mo₹1,15,341₹7,397 a year₹600/mo₹1,37,703₹6,608 a year₹538/mo₹1,85,924₹6,398 a year₹521/mo
₹2 lakh★₹2,15,216₹15,216 a year₹1,233/mo₹2,30,681₹14,793 a year₹1,200/mo₹2,75,406₹13,215 a year₹1,075/mo₹3,71,848₹12,796 a year₹1,042/mo
₹5 lakh★₹5,38,039₹38,039 a year₹3,083/mo₹5,76,703₹36,984 a year₹3,000/mo₹6,88,514₹33,038 a year₹2,688/mo₹9,29,620₹31,990 a year₹2,604/mo
₹10 lakh★₹10,76,079₹76,079 a year₹6,167/mo₹11,53,406₹73,967 a year₹6,000/mo₹13,77,028₹66,077 a year₹5,375/mo₹18,59,239₹63,980 a year₹5,208/mo

Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.

FD rates by tenure

Select a term · Annual rates for ₹5,00,000

1 year

7.40%
Compare 1 year rates → Estimate my return
Market rank & rate source

#175 of 1033

1 year · Below ₹15 lakh

Official rate sheet ↗
See all published rates
Before you book

APCOB Fixed Deposit: frequently asked questions

What is the highest APCOB Fixed Deposit interest rate?

As of 14 Nov 2026, Andhra Pradesh State Co-operative Bank offers up to 7.40% p.a. on its fixed deposit (FD) (271 to 364 days) for general customers and 8.00% p.a. (271 to 364 days) for senior citizens. Rates below are as published by the bank. Confirm with APCOB before investing.

See today's top interest rates →

What is the APCOB 1-year FD interest rate?

As of 14 Nov 2026, Andhra Pradesh State Co-operative Bank offers 7.40% p.a. on a 1-year FD for general customers and 8.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 15 Jul 2026 and was last verified 14 Nov 2026. Source: the bank's official rate page.

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What is the APCOB 2-year FD interest rate?

As of 14 Nov 2026, Andhra Pradesh State Co-operative Bank offers 7.20% p.a. on a 2-year FD for general customers and 7.80% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 15 Jul 2026 and was last verified 14 Nov 2026. Source: the bank's official rate page.

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What is the APCOB 3-year FD interest rate?

As of 14 Nov 2026, Andhra Pradesh State Co-operative Bank offers 6.45% p.a. on a 3-year FD for general customers and 7.05% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 15 Jul 2026 and was last verified 14 Nov 2026. Source: the bank's official rate page.

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What is the APCOB 5-year FD interest rate?

As of 14 Nov 2026, Andhra Pradesh State Co-operative Bank offers 6.45% p.a. on a 5-year FD for general customers and 7.05% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 15 Jul 2026 and was last verified 14 Nov 2026. Source: the bank's official rate page.

Compare 5-year FD rates →

Do senior citizens get higher Fixed Deposit rates at APCOB?

Yes. Senior citizens (60+) earn up to 0.60% p.a. more than general customers at Andhra Pradesh State Co-operative Bank, depending on the tenure.

See today's top senior citizen rates →

When did APCOB last change its Fixed Deposit rates?

RateScan.in has recorded no change to Andhra Pradesh State Co-operative Bank's fixed deposit (FD) rates since it started tracking them on 30 Sept 2026.

Rate movements →

What fixed deposit (FD) tenures does APCOB offer?

Andhra Pradesh State Co-operative Bank's published fixed deposit (FD) rate table has 10 tenure bands, from “7 to 14 days” to “5 years to 10 years”.

Does APCOB pay different fixed deposit (FD) rates by deposit size?

Yes. Andhra Pradesh State Co-operative Bank's table lists separate bands: Below ₹15 lakh; ₹15 lakh to ₹1 crore; ₹1 crore to ₹10 crore; Above ₹10 crore. Each row shows the band it applies to.

Does APCOB pay more than the Post Office Time Deposit?

Andhra Pradesh State Co-operative Bank pays more than the Post Office Time Deposit at 2 of 4 standard tenures compared (general rates). Rates: 1y 7.40% (PO 6.90%), 2y 7.20% (PO 7.00%), 3y 6.45% (PO 7.10%), 5y 6.45% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

How does APCOB's 1-year FD rate rank?

Andhra Pradesh State Co-operative Bank's 1-year general FD rate of 7.40% ranks #175 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.

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Is my fixed deposit (FD) with APCOB insured?

Deposits with Andhra Pradesh State Co-operative Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these APCOB rates?

RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 15 Jul 2026. Rates can change without notice, so verify on the official APCOB website before investing.

Rate movements →

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Nearby banks paying a little more at 1 year

Eluru DCCB 7.50%Kakinada DCCB 7.50%Srikakulam DCCB 7.50%

Best FD rates among state co-operative banks → Best FD rates in Andhra Pradesh →

Good to know

  • Deposits with Andhra Pradesh State Co-operative 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.
  • APCOB 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 0.60% p.a. more than general customers at APCOB, depending on the tenure.
official Effective 15 Jul 2026 · Ingested 18 Oct 2026 · Verified 14 Nov 2026 · View source

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