Himachal Pradesh Gramin Bank (HPGB) is a nationalised public sector bank, headquartered in Mandi, established in 2013. Its headline 1-year FD rate of 6.30% is −0.27% below the public sector average of 6.57%, ranking #24 of 28 public sector banks.
Rates as of 28 Apr 2026, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at HPGB (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 |
|---|---|---|---|---|
7 to 45 days |
3.25% | 3.75% | Any amount | |
46 to 90 days |
4.25% | 4.75% | Any amount | |
91 to 179 days |
4.25% | 4.75% | Any amount | |
180 to 270 days |
5.25% | 5.75% | Any amount | |
271 days to < 1 year |
5.55% | 6.05% | Any amount | |
1 year |
6.15% | 6.65% | Any amount | |
>1 year to 2 year |
6.30% | 6.80% | Any amount | |
440 Days HPGB 440 days |
6.60% | 7.10% | Any amount | |
(HPGB VARADDHI) 515 Days HPGB Varaddhi 515 days |
6.45% | 6.95% | Any amount | |
>2 year to 3 year |
6.30% | 6.80% | Any amount | |
>3 year upto 5 year |
6.15% | 6.65% | Any amount | |
>5 year upto 10 year |
6.05% | 6.55% | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 year |
6.15% | 6.65% | Any amount | |
>1 year to 2 year |
6.30% | 6.80% | Any amount | |
>2 year to 3 year |
6.30% | 6.80% | Any amount | |
>3 year upto 5 year |
6.15% | 6.65% | Any amount | |
>5 year upto 10 year |
6.05% | 6.55% | Any amount |
Deposits with Himachal Pradesh Gramin 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 HPGB 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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