As of 5 Oct 2026, The Bihar State Co-operative Bank offers up to 6.90% p.a. on its fixed deposit (FD) (444 days (Dhan Laxmi Deposits)) for general customers and 7.40% p.a. (444 days (Dhan Laxmi Deposits)) for senior citizens. Rates below are as published by the bank — confirm with BSCB before investing.
Estimate returns at BSCB (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 | As of | Source |
|---|---|---|---|---|---|---|
7 to 14 days |
3.20% | 3.70% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
15 to 29 days |
3.75% | 4.25% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
30 to 45 days |
4.75% | 5.25% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
46 to 90 days |
5.25% | 5.75% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
91 to 180 days |
5.25% | 5.75% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
181 days to less than 1 year |
5.35% | 5.85% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
1 year to less than 2 years |
6.60% | 7.10% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
444 days (Dhan Laxmi Deposits) |
6.90% | 7.40% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
2 years to less than 3 years |
6.25% | 6.75% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
3 years to less than 5 years |
6.00% | 6.50% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
5 years to 10 years |
6.00% | 6.50% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
As of 5 Oct 2026, The Bihar State Co-operative Bank offers up to 6.90% p.a. on its fixed deposit (FD) (444 days (Dhan Laxmi Deposits)) for general customers and 7.40% p.a. (444 days (Dhan Laxmi Deposits)) for senior citizens. Rates below are as published by the bank — confirm with BSCB before investing.
As of 5 Oct 2026, The Bihar State Co-operative Bank offers 6.60% p.a. on a 1-year FD for general customers and 7.10% p.a. for senior citizens.
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Bihar State Co-operative Bank, depending on the tenure.
Deposits with The Bihar State Co-operative Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 30 Sept 2026. Rates can change without notice, so verify on the official BSCB website before investing.
Deposits with The Bihar 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.
Informational only — always confirm the current rate on the official BSCB 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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