Andhra Pradesh Grameena Bank (APGB) is a nationalised public sector bank, headquartered in Guntur, established in 2025. Its headline 1-year FD rate of 6.85% is +0.30% above the public sector average of 6.55%, ranking #3 of 28 public sector banks.
Rates as of 7 Jul 2025, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at APGB (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 days to 45 days |
3.40% | 3.50% | Below ₹3 crore (retail) | |
46 days to 90 days |
4.90% | 5.25% | Below ₹3 crore (retail) | |
91 days to 179 days |
5.55% | 5.90% | Below ₹3 crore (retail) | |
180 days to 364 days |
6.15% | 6.50% | Below ₹3 crore (retail) | |
1 year to less than 2 years |
6.85% | 7.10% | Below ₹3 crore (retail) | |
444 days SIRI 444 days |
7.15% | 7.65% | Below ₹3 crore (retail) | |
2 years and above |
6.40% | 6.75% | Below ₹3 crore (retail) |
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 |
6.85% | 7.10% | Any amount | |
2 years and above |
6.40% | 6.75% | Any amount |
Deposits with Andhra Pradesh Grameena 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 APGB 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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