The Haryana State Co-operative Apex Bank Fixed Deposit interest rates · November 2026
What will my FD earn at HARCO?
| Tenure | General | Senior | Super Sr. | Applies to | Effective On | Source |
|---|---|---|---|---|---|---|
15 to 45 days |
3.50% | 4.00% | 4.25% | Any amount | 30 Sept 2026 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
46 to 90 days |
4.00% | 4.50% | 4.75% | Any amount | 30 Sept 2026 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
91 to 179 days |
4.50% | 5.00% | 5.25% | Any amount | 30 Sept 2026 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
180 days to less than 1 year |
5.00% | 5.50% | 5.75% | Any amount | 30 Sept 2026 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
1 year to less than 2 years |
6.00% | 6.50% | 6.75% | Any amount | 30 Sept 2026 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
2 years to less than 3 years |
6.50% | 7.00% | 7.25% | Any amount | 30 Sept 2026 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
3 years and above |
6.80% | 7.30% | 7.55% | Any amount | 30 Sept 2026 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
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HARCO FD return examples
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
6.00%Before you book
HARCO Fixed Deposit: frequently asked questions
What is the highest HARCO Fixed Deposit interest rate?
As of 14 Nov 2026, The Haryana State Co-operative Apex Bank offers up to 6.80% p.a. on its fixed deposit (FD) (3 years and above) for general customers and 7.30% p.a. (3 years and above) for senior citizens. Rates below are as published by the bank. Confirm with HARCO before investing.
What is the HARCO 1-year FD interest rate?
As of 14 Nov 2026, The Haryana State Co-operative Apex Bank offers 6.00% p.a. on a 1-year FD for general customers and 6.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 30 Sept 2026 and was last verified 14 Nov 2026. Source: the bank's official rate page.
What is the HARCO 2-year FD interest rate?
As of 14 Nov 2026, The Haryana State Co-operative Apex Bank offers 6.50% p.a. on a 2-year FD for general customers and 7.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 30 Sept 2026 and was last verified 14 Nov 2026. Source: the bank's official rate page.
What is the HARCO 3-year FD interest rate?
As of 14 Nov 2026, The Haryana State Co-operative Apex Bank offers 6.80% p.a. on a 3-year FD for general customers and 7.30% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 30 Sept 2026 and was last verified 14 Nov 2026. Source: the bank's official rate page.
What is the HARCO 5-year FD interest rate?
As of 14 Nov 2026, The Haryana State Co-operative Apex Bank offers 6.80% p.a. on a 5-year FD for general customers and 7.30% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 30 Sept 2026 and was last verified 14 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at HARCO?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Haryana State Co-operative Apex Bank, depending on the tenure.
When did HARCO last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Haryana State Co-operative Apex Bank's fixed deposit (FD) rates since it started tracking them on 30 Sept 2026.
What fixed deposit (FD) tenures does HARCO offer?
The Haryana State Co-operative Apex Bank's published fixed deposit (FD) rate table has 7 tenure bands, from “15 to 45 days” to “3 years and above”.
Does HARCO pay more than the Post Office Time Deposit?
The Haryana State Co-operative Apex Bank pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.00% (PO 6.90%), 2y 6.50% (PO 7.00%), 3y 6.80% (PO 7.10%), 5y 6.80% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does HARCO's 1-year FD rate rank?
The Haryana State Co-operative Apex Bank's 1-year general FD rate of 6.00% ranks #817 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 HARCO insured?
Deposits with The Haryana State Co-operative Apex Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these HARCO rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 30 Sept 2026. Rates can change without notice, so verify on the official HARCO website before investing.
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Good to know
- Deposits with The Haryana State Co-operative Apex 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.
- HARCO 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 HARCO, depending on the tenure.
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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