Rates verified from official source

The Bihar State Co-operative Bank Fixed Deposit interest rates · November 2026

BSCB's best Fixed Deposit rate is 6.90% (444 days), 2.60 points below the best on the market (9.50%).

  • Seniors: up to 7.40% (444 days), 0.50 points above the general rate for that tenure.

What will my FD earn at BSCB?

Estimated value after 1 year · before tax ₹5,33,826 6.60% p.a. · ₹33,826 interest · quarterly compounding
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Deposit amount

Showing 9 of 28 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 to 14 days
Below ₹2 crore
 3.20% 3.70% Below ₹2 crore
unavailable
✓ verified 14 Nov 2026
official
captured from the bank's rate card 30 Sept 2026
15 to 29 days
Below ₹2 crore
 3.75% 4.25% Below ₹2 crore
unavailable
✓ verified 14 Nov 2026
official
captured from the bank's rate card 30 Sept 2026
30 to 45 days
Below ₹2 crore
 4.75% 5.25% Below ₹2 crore
unavailable
✓ verified 14 Nov 2026
official
captured from the bank's rate card 30 Sept 2026
46 to 180 days
2 slabs at this rate
Below ₹2 crore
 5.25% 5.75% Below ₹2 crore
unavailable
✓ verified 14 Nov 2026
official
captured from the bank's rate card 30 Sept 2026
181 days to
less than 1 year
Below ₹2 crore
 5.35% 5.85% Below ₹2 crore
unavailable
✓ verified 14 Nov 2026
official
captured from the bank's rate card 30 Sept 2026
1 year to less
than 2 years
Below ₹2 crore
 6.60% 7.10% Below ₹2 crore
unavailable
✓ verified 14 Nov 2026
official
captured from the bank's rate card 30 Sept 2026
444 days
Dhan Laxmi Deposits
Below ₹2 crore
 6.90% 7.40% Below ₹2 crore
unavailable
✓ verified 14 Nov 2026
official
captured from the bank's rate card 9 Nov 2026
2 to less
than 3 years
Below ₹2 crore
 6.25% 6.75% Below ₹2 crore
unavailable
✓ verified 14 Nov 2026
official
captured from the bank's rate card 30 Sept 2026
3 to 10 years
2 slabs at this rate
Below ₹2 crore
 6.00% 6.50% Below ₹2 crore
unavailable
✓ verified 14 Nov 2026
official
captured from the bank's rate card 30 Sept 2026

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BSCB FD return examples

DepositHighest rate1 year6.60%2 years6.25%5 years6.00%10 years6.00%
₹50,000★₹53,383₹3,383 a year₹275/mo₹56,603₹3,199 a year₹260/mo₹67,343₹3,068 a year₹250/mo₹90,701₹3,068 a year₹250/mo
₹1 lakh★₹1,06,765₹6,765 a year₹550/mo₹1,13,205₹6,398 a year₹521/mo₹1,34,686₹6,136 a year₹500/mo₹1,81,402₹6,136 a year₹500/mo
₹2 lakh★₹2,13,530₹13,530 a year₹1,100/mo₹2,26,411₹12,796 a year₹1,042/mo₹2,69,371₹12,273 a year₹1,000/mo₹3,62,804₹12,273 a year₹1,000/mo
₹5 lakh★₹5,33,826₹33,826 a year₹2,750/mo₹5,66,027₹31,990 a year₹2,604/mo₹6,73,428₹30,682 a year₹2,500/mo₹9,07,009₹30,682 a year₹2,500/mo
₹10 lakh★₹10,67,652₹67,652 a year₹5,500/mo₹11,32,054₹63,980 a year₹5,208/mo₹13,46,855₹61,364 a year₹5,000/mo₹18,14,018₹61,364 a year₹5,000/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

6.60%
Compare 1 year rates → Estimate my return
Market rank & rate source

#566 of 1033

1 year to less than 2 years · Below ₹2 crore

Official rate sheet ↗
See all published rates
Before you book

BSCB Fixed Deposit: frequently asked questions

What is the highest BSCB Fixed Deposit interest rate?

As of 14 Nov 2026, The Bihar State Co-operative Bank offers up to 6.90% p.a. on its fixed deposit (FD) (444 days) for general customers and 7.40% p.a. (444 days) for senior citizens. Rates below are as published by the bank. Confirm with BSCB before investing.

See today's top interest rates →

What is the BSCB 1-year FD interest rate?

As of 14 Nov 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 (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 14 Nov 2026. Source: the bank's official rate page.

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What is the BSCB 2-year FD interest rate?

As of 14 Nov 2026, The Bihar State Co-operative Bank offers 6.25% p.a. on a 2-year FD for general customers and 6.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 14 Nov 2026. Source: the bank's official rate page.

Compare 2-year FD rates →

What is the BSCB 3-year FD interest rate?

As of 14 Nov 2026, The Bihar State Co-operative Bank offers 6.00% p.a. on a 3-year FD for general customers and 6.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable and was last verified 14 Nov 2026. Source: the bank's official rate page.

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What is the BSCB 5-year FD interest rate?

As of 14 Nov 2026, The Bihar State Co-operative Bank offers 6.00% p.a. on a 5-year FD for general customers and 6.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective unavailable 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 BSCB?

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.

See today's top senior citizen rates →

When did BSCB last change its Fixed Deposit rates?

RateScan.in has recorded no change to The Bihar 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 BSCB offer?

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

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

Yes. The Bihar State Co-operative Bank's table lists separate bands: Below ₹2 crore; ₹2 crore to less than ₹5 crore; ₹5 crore and above. Each row shows the band it applies to.

Does BSCB have special fixed deposit (FD) schemes?

The Bihar State Co-operative Bank's rate table lists these named schemes (1): Dhan Laxmi Deposits. Check eligibility and end dates with the bank.

Does BSCB pay more than the Post Office Time Deposit?

The Bihar State Co-operative Bank pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.60% (PO 6.90%), 2y 6.25% (PO 7.00%), 3y 6.00% (PO 7.10%), 5y 6.00% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

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

The Bihar State Co-operative Bank's 1-year general FD rate of 6.60% ranks #566 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 BSCB insured?

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

How current are these BSCB rates?

RateScan.in refreshed this dataset on 14 Nov 2026. Rates can change without notice, so verify on the official BSCB website before investing.

Rate movements →

More BSCB rates

BSCB overviewBSCB Savings rates

Fixed Deposit rates at other banks

Ujjivan Fixed Deposit ratesUtkarsh Fixed Deposit ratesCSB Fixed Deposit ratesJana Fixed Deposit ratesESAF Fixed Deposit ratesUnity Fixed Deposit ratesEastern Railway Employees' Bank Fixed Deposit ratesDCB Fixed Deposit ratesTapindu Urban Co-op Bank Fixed Deposit ratesBandhan Fixed Deposit ratesBest Fixed Deposit rates across all banks
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Compare BSCB with similar banks

Nearby banks paying a little more at 1 year

City Union 6.65%Patliputra DCCB 6.65%BOI 6.70%

Best FD rates among state co-operative banks → Best FD rates in Bihar →

Good to know

  • Deposits with The Bihar 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.
  • BSCB 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 0.50% p.a. more than general customers at BSCB, depending on the tenure.
  • BSCB's FD table includes 1 special schemes; check eligibility and end dates.
official Effective unavailable · Ingested 30 Sept 2026 · Verified 14 Nov 2026 · View source

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