Rates verified from official source

Gujarat State Co-operative Bank Ltd
deposit rates

Top FD rate
6.75%
12 months (365 days)
Senior citizen FD
7.25%
12 months (365 days)
1-year FD rank
#9
of 14 public sector banks · 6.75%

Overview

gsc.bank.in

Gujarat State Co-operative Bank Ltd (GSC Bank) is a nationalised public sector bank, headquartered in Ahmedabad, established in 1960. Its headline 1-year FD rate of 6.75% is in line with the public sector average of 6.77%, ranking #9 of 14 public sector banks.

Headquarters
Ahmedabad
Established
1960
Ownership
State co-operative apex bank for Gujarat; apex body of the short-term co-operative credit structure in the state, owned by district central co-operative banks and the Government of Gujarat
Operates in
Gujarat
Financial health
Standalone CRAR / NPA figures are not published separately for this bank. Payments banks do not offer fixed deposits and are regulated differently.
1-year FD rate
6.75%
in line with the public sector average of 6.77%
Peer rank
#9
of 14 public sector banks
Recent movement
Tracking started

Rates as of 3 Jun 2026, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.

Maturity calculator

Estimate returns at GSC Bank (quarterly compounding)

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Fixed Deposit rates

Rates for deposits below ₹3 crore · General vs Senior · trend over time

3%4%5%6%7% 7 to 45 days: 3.75% 46 to 90 days: 3.75% 91 to 120 days: 4.00% 121 to 179 days: 4.00% 180 to 269 days: 5.25% 270 to 364 days: 5.25% 12 months (365 days): 6.75% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 366 days to 24 months: 6.50% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 2 years to less than 3 years: 6.25% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 3 years to less than 5 years: 6.25% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) Tax Saving FD (60 months): 5.00% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d2m3m4m6m9m1y366d731d3y5y 3.753.754.004.005.255.256.756.506.256.255.00 General Post Office TD

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.

3%4%5%6%7% 7 to 45 days: 4.25% (General: 3.75%) 46 to 90 days: 4.25% (General: 3.75%) 91 to 120 days: 4.50% (General: 4.00%) 121 to 179 days: 4.50% (General: 4.00%) 180 to 269 days: 5.75% (General: 5.25%) 270 to 364 days: 5.75% (General: 5.25%) 12 months (365 days): 7.25% (General: 6.75%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 366 days to 24 months: 7.00% (General: 6.50%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years to less than 3 years: 6.75% (General: 6.25%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 3 years to less than 5 years: 6.75% (General: 6.25%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) Tax Saving FD (60 months): 5.50% (General: 5.00%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d2m3m4m6m9m1y366d731d3y5y 4.254.254.504.505.755.757.257.006.756.755.50 Senior General Post Office TD

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.

4%5%6%7% 7 to 45 days: 4.25% (Senior: 4.25%) 46 to 90 days: 4.25% (Senior: 4.25%) 91 to 120 days: 4.50% (Senior: 4.50%) 121 to 179 days: 4.50% (Senior: 4.50%) 180 to 269 days: 5.75% (Senior: 5.75%) 270 to 364 days: 5.75% (Senior: 5.75%) 12 months (365 days): 7.25% (Senior: 7.25%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 366 days to 24 months: 7.00% (Senior: 7.00%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years to less than 3 years: 6.75% (Senior: 6.75%) · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 3 years to less than 5 years: 6.75% (Senior: 6.75%) · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) Tax Saving FD (60 months): 5.50% (Senior: 5.50%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d2m3m4m6m9m1y366d731d3y5y 4.254.254.504.505.755.757.257.006.756.755.50 Senior Senior Post Office TD

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.

TenureGeneralSeniorTrendApplies to
7 to 45 days
 3.75% 4.25% — Any amount
46 to 90 days
 3.75% 4.25% — Any amount
91 to 120 days
 4.00% 4.50% — Any amount
121 to 179 days
 4.00% 4.50% — Any amount
180 to 269 days
 5.25% 5.75% — Any amount
270 to 364 days
 5.25% 5.75% — Any amount
12 months (365 days)
 6.75% 7.25% — Any amount
366 days to 24 months
 6.50% 7.00% — Any amount
2 years to less than 3 years
 6.25% 6.75% — Any amount
3 years to less than 5 years
 6.25% 6.75% — Any amount
Tax Saving FD (60 months)
 5.00% 5.50% — Any amount
Source ↗

Good to know

Deposits with Gujarat State Co-operative Bank Ltd 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.

official Effective 3 Jun 2026 · Ingested 30 Sept 2026 · Verified 30 Sept 2026 · View source

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