Bihar Gramin Bank (BGB) is a nationalised public sector bank, headquartered in Muzaffarpur, established in 2019. Its headline 1-year FD rate of 6.50% is −0.06% below the public sector average of 6.56%, ranking #14 of 28 public sector banks.
Rates as of 22 Sept 2026, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at BGB (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 14 days |
3.50% | — | Below ₹1 crore | |
7–45 days |
3.50% | 3.50% | Any amount | |
15 to 29 days |
3.50% | — | Below ₹1 crore | |
30 to 45 days |
3.50% | — | Below ₹1 crore | |
46 to 90 days |
4.50% | 4.50% | Below ₹1 crore | |
46–90 days |
4.50% | 4.50% | Any amount | |
91 to 179 days |
4.50% | — | Below ₹1 crore | |
91–180 days |
5.00% | 5.00% | Any amount | |
180 days to 270 Days |
5.80% | — | Below ₹1 crore | |
181 days to < 1 year |
5.50% | 5.50% | Any amount | |
271 days to less than 1 year |
6.00% | — | Below ₹1 crore | |
1 year |
6.30% | 6.80% | Below ₹1 crore | |
>1 year to 2 years |
6.40% | 6.90% | Below ₹1 crore | |
1 year to < 2 years |
6.50% | 6.50% | Any amount | |
>2 years to 3 years |
6.50% | 7.00% | Below ₹1 crore | |
2 years to < 3 years |
6.25% | 6.25% | Any amount | |
>3 years to 5 years |
6.40% | 6.90% | Below ₹1 crore | |
3 years to < 5 years |
6.25% | 6.25% | Any amount | |
Above 5 years to 10 years |
6.05% | 6.55% | Below ₹1 crore | |
5 years to 10 years |
6.00% | 6.55% | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 year |
6.30% | 6.80% | Any amount | |
>1 year to 2 years |
6.40% | 6.90% | Any amount | |
>2 years to 3 years |
6.50% | 7.00% | Any amount | |
>3 years to 5 years |
6.40% | 6.90% | Any amount | |
Above 5 years to 10 years |
6.05% | 6.55% | Any amount |
Deposits with Bihar Gramin 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 BGB 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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