Himachal Pradesh State Co-operative Bank Fixed Deposit interest rates · November 2026
What will my FD earn at HPSCB?
| Tenure | General | Senior | Super Sr. | Applies to | Effective On | Source |
|---|---|---|---|---|---|---|
7 to 45 days 3 slabs at this rate |
3.75% | 4.25% | 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 |
4.75% | 5.25% | 5.25% | Any amount | 30 Sept 2026 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
91 to 179 days |
5.75% | 6.25% | 6.25% | Any amount | 30 Sept 2026 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
180 to 270 days |
6.25% | 6.75% | 6.75% | Any amount | 30 Sept 2026 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
271 days to less than 1 year |
6.30% | 6.80% | 6.80% | Any amount | 30 Sept 2026 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
1 year (365 days) |
6.90% | 7.40% | 7.55% | Any amount | 30 Sept 2026 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
More than 1 year to less than 2 years |
6.40% | 6.90% | 7.05% | Any amount | 30 Sept 2026 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
700 days (Sarvpriya scheme) |
6.55% | 7.05% | 7.05% | 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 |
6.00% | 6.50% | 6.50% | Any amount | 30 Sept 2026 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
3 years to less than 5 years |
6.10% | 6.60% | 6.60% | Any amount | 30 Sept 2026 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
5 years to 10 years |
6.15% | 6.65% | 6.65% | Any amount | 30 Sept 2026 ✓ verified 14 Nov 2026 | official captured from the bank's rate card 30 Sept 2026 |
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HPSCB 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
6.90%Before you book
HPSCB Fixed Deposit: frequently asked questions
What is the highest HPSCB Fixed Deposit interest rate?
As of 14 Nov 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.
What is the HPSCB 1-year FD interest rate?
As of 14 Nov 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 (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 HPSCB 2-year FD interest rate?
As of 14 Nov 2026, Himachal Pradesh State Co-operative Bank offers 6.00% p.a. on a 2-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 HPSCB 3-year FD interest rate?
As of 14 Nov 2026, Himachal Pradesh State Co-operative Bank offers 6.10% p.a. on a 3-year FD for general customers and 6.60% 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 HPSCB 5-year FD interest rate?
As of 14 Nov 2026, Himachal Pradesh State Co-operative Bank offers 6.15% p.a. on a 5-year FD for general customers and 6.65% 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 HPSCB?
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.
When did HPSCB last change its Fixed Deposit rates?
RateScan.in has recorded no change to Himachal Pradesh State Co-operative Bank's fixed deposit (FD) rates since it started tracking them on 30 Sept 2026.
What fixed deposit (FD) tenures does HPSCB offer?
Himachal Pradesh State Co-operative Bank's published fixed deposit (FD) rate table has 13 tenure bands, from “7 to 14 days” to “5 years to 10 years”.
Does HPSCB pay more than the Post Office Time Deposit?
Himachal Pradesh State Co-operative Bank pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.90% (PO 6.90%), 2y 6.00% (PO 7.00%), 3y 6.10% (PO 7.10%), 5y 6.15% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does HPSCB's 1-year FD rate rank?
Himachal Pradesh State Co-operative Bank's 1-year general FD rate of 6.90% ranks #424 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 HPSCB insured?
Deposits with Himachal Pradesh State Co-operative Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these HPSCB 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 HPSCB website before investing.
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Good to know
- Deposits with Himachal Pradesh State Co-operative 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.
- HPSCB 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 HPSCB, depending on the tenure.
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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