As of 5 Oct 2026, Himachal Pradesh State Co-operative Bank offers up to 6.90% p.a. on its fixed deposit (FD) (1 year (365 days)) for general customers and 7.40% p.a. (1 year (365 days)) for senior citizens. Rates below are as published by the bank — confirm with HPSCB before investing.
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 | As of | Source |
|---|---|---|---|---|---|---|---|
7 to 14 days |
3.75% | 4.25% | 4.25% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
15 to 29 days |
3.75% | 4.25% | 4.25% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
30 to 45 days |
3.75% | 4.25% | 4.25% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
46 to 90 days |
4.75% | 5.25% | 5.25% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
91 to 179 days |
5.75% | 6.25% | 6.25% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
180 to 270 days |
6.25% | 6.75% | 6.75% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
271 days to less than 1 year |
6.30% | 6.80% | 6.80% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
1 year (365 days) |
6.90% | 7.40% | 7.55% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
More than 1 year to less than 2 years |
6.40% | 6.90% | 7.05% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
700 days (Sarvpriya scheme) |
6.55% | 7.05% | 7.05% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
2 years to less than 3 years |
6.00% | 6.50% | 6.50% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
3 years to less than 5 years |
6.10% | 6.60% | 6.60% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
|
5 years to 10 years |
6.15% | 6.65% | 6.65% | Any amount | 30 Sept 2026 |
official fetched 30 Sept 2026 ✓ verified 5 Oct 2026 |
As of 5 Oct 2026, Himachal Pradesh State Co-operative Bank offers up to 6.90% p.a. on its fixed deposit (FD) (1 year (365 days)) for general customers and 7.40% p.a. (1 year (365 days)) for senior citizens. Rates below are as published by the bank — confirm with HPSCB before investing.
As of 5 Oct 2026, Himachal Pradesh State Co-operative Bank offers 6.90% p.a. on a 1-year FD for general customers and 7.40% p.a. for senior citizens.
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Himachal Pradesh State Co-operative Bank, depending on the tenure.
Deposits with Himachal Pradesh State Co-operative Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 30 Sept 2026. Rates can change without notice, so verify on the official HPSCB website before investing.
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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