The Haryana State Co-operative Apex Bank (HARCO) is a nationalised public sector bank, headquartered in Chandigarh, established in 1966. Its headline 1-year FD rate of 6.00% is −0.83% below the public sector average of 6.83%, ranking #13 of 14 public sector banks.
Rates as of 30 Sept 2026, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at HARCO (quarterly compounding)
Rates for deposits below ₹3 crore · General / Senior / Super 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.
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 | Super Sr. | Trend | Applies to |
|---|---|---|---|---|---|
15 to 45 days |
3.50% | 4.00% | 4.25% | — | Any amount |
46 to 90 days |
4.00% | 4.50% | 4.75% | — | Any amount |
91 to 179 days |
4.50% | 5.00% | 5.25% | — | Any amount |
180 days to less than 1 year |
5.00% | 5.50% | 5.75% | — | Any amount |
1 year to less than 2 years |
6.00% | 6.50% | 6.75% | — | Any amount |
2 years to less than 3 years |
6.50% | 7.00% | 7.25% | — | Any amount |
3 years and above |
6.80% | 7.30% | 7.55% | — | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
3.00% | — | — | Any amount |
Deposits with The Haryana State Co-operative Apex 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 HARCO 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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