Himachal Pradesh State Co-operative Bank (HPSCB) is a nationalised public sector bank, headquartered in Shimla, established in 1954. Its headline 1-year FD rate of 6.90% is +0.14% above the public sector average of 6.76%, ranking #8 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 HPSCB (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 |
|---|---|---|---|---|---|
7 to 14 days |
3.75% | 4.25% | 4.25% | — | Any amount |
15 to 29 days |
3.75% | 4.25% | 4.25% | — | Any amount |
30 to 45 days |
3.75% | 4.25% | 4.25% | — | Any amount |
46 to 90 days |
4.75% | 5.25% | 5.25% | — | Any amount |
91 to 179 days |
5.75% | 6.25% | 6.25% | — | Any amount |
180 to 270 days |
6.25% | 6.75% | 6.75% | — | Any amount |
271 days to less than 1 year |
6.30% | 6.80% | 6.80% | — | Any amount |
1 year (365 days) |
6.90% | 7.40% | 7.55% | — | Any amount |
More than 1 year to less than 2 years |
6.40% | 6.90% | 7.05% | — | Any amount |
700 days (Sarvpriya scheme) |
6.55% | 7.05% | 7.05% | — | Any amount |
2 years to less than 3 years |
6.00% | 6.50% | 6.50% | — | Any amount |
3 years to less than 5 years |
6.10% | 6.60% | 6.60% | — | Any amount |
5 years to 10 years |
6.15% | 6.65% | 6.65% | — | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.50% | — | — | Any amount |
Deposits with Himachal Pradesh State Co-operative 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 HPSCB 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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