Bihar Gramin Bank Fixed Deposit interest rates · November 2026
What will my FD earn at BGB?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 to 45 days 3 slabs at this rate |
3.50% | – | Below ₹1 crore | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
46 to 179 days 2 slabs at this rate |
4.50% | – | Below ₹1 crore | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
180 days to 270 Days |
5.80% | – | Below ₹1 crore | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
271 days to less than 1 year |
6.00% | – | Below ₹1 crore | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 22 Sept 2026 |
1 year to 3 years 3 slabs at this rate |
6.55% | 7.05% | Below ₹1 crore | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 5 Nov 2026 |
>3 years to 5 years |
6.40% | 6.90% | Below ₹1 crore | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
Above 5 years to 10 years |
6.05% | 6.55% | Below ₹1 crore | 5 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 4 Nov 2026 |
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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
1 year
6.55%Before you book
BGB Fixed Deposit: frequently asked questions
What is the highest BGB Fixed Deposit interest rate?
As of 14 Nov 2026, Bihar Gramin Bank offers up to 6.55% p.a. on its fixed deposit (FD) (1 year) for general customers and 7.05% p.a. (1 year) for senior citizens. Rates below are as published by the bank. Confirm with BGB before investing.
What is the BGB 1-year FD interest rate?
As of 14 Nov 2026, Bihar Gramin Bank offers 6.55% p.a. on a 1-year FD for general customers and 7.05% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 5 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the BGB 2-year FD interest rate?
As of 14 Nov 2026, Bihar Gramin Bank offers 6.55% p.a. on a 2-year FD for general customers and 7.05% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 5 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the BGB 3-year FD interest rate?
As of 14 Nov 2026, Bihar Gramin Bank offers 6.55% 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 5 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the BGB 5-year FD interest rate?
As of 14 Nov 2026, Bihar Gramin Bank offers 6.40% p.a. on a 5-year FD for general customers and 6.90% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 5 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at BGB?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Bihar Gramin Bank, depending on the tenure.
When did BGB last change its Fixed Deposit rates?
Bihar Gramin Bank last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 5 Nov 2026: the general rate for 1 year went from 6.30% to 6.55%. RateScan.in has tracked BGB's rates since 22 Sept 2026.
What fixed deposit (FD) tenures does BGB offer?
Bihar Gramin Bank's published fixed deposit (FD) rate table has 12 tenure bands, from “7 to 14 days” to “Above 5 years to 10 years”.
Does BGB pay more than the Post Office Time Deposit?
Bihar Gramin Bank pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.55% (PO 6.90%), 2y 6.55% (PO 7.00%), 3y 6.55% (PO 7.10%), 5y 6.40% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does BGB's 1-year FD rate rank?
Bihar Gramin Bank's 1-year general FD rate of 6.55% ranks #583 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
Is my fixed deposit (FD) with BGB insured?
Deposits with Bihar Gramin Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these BGB rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 5 Nov 2026. Rates can change without notice, so verify on the official BGB website before investing.
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Good to know
- Deposits with Bihar Gramin 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.
- BGB is a regional rural bank, jointly owned by the Government of India, a sponsor bank and a state government, and supervised by the RBI and NABARD.
- Senior citizens (60+) earn up to 0.50% p.a. more than general customers at BGB, depending on the tenure.
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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