Rates verified from official source

Jharkhand State Co-operative Bank
deposit rates

Top FD rate
7.00%
1 year to less than 13 months
Senior citizen FD
7.50%
1 year to less than 13 months
Savings rate
3.00%
Any amount
1-year FD rank
#6
of 14 public sector banks · 7.00%

Overview

jscb.bank.in

Jharkhand State Co-operative Bank (JSCB) is a nationalised public sector bank, headquartered in Ranchi, established in 1960. Its headline 1-year FD rate of 7.00% is +0.25% above the public sector average of 6.75%, ranking #6 of 14 public sector banks.

Headquarters
Ranchi
Established
1960
Ownership
State co-operative apex bank for Jharkhand; apex body of the short-term co-operative credit structure in the state, owned by district central co-operative banks and the Government of Jharkhand
Operates in
Jharkhand
Financial health
Standalone CRAR / NPA figures are not published separately for this bank. Payments banks do not offer fixed deposits and are regulated differently.
1-year FD rate
7.00%
+0.25% above the public sector average of 6.75%
Peer rank
#6
of 14 public sector banks
Recent movement
Tracking started

Rates as of 23 Mar 2023, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.

Maturity calculator

Estimate returns at JSCB (quarterly compounding)

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Fixed Deposit rates

Rates for deposits below ₹3 crore · General vs Senior · trend over time

3%4%5%6%7% 7 to 14 days: 3.25% 15 to 29 days: 3.25% 30 days: 3.25% 31 to 45 days: 3.50% 46 to 60 days: 4.25% 61 to 90 days: 4.75% 91 to 179 days: 4.75% 180 days: 5.25% 181 to 269 days: 5.50% 270 days: 5.50% 271 days to less than 1 year: 6.15% 1 year to less than 13 months: 7.00% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 13 months to less than 2 years: 6.75% · Post Office TD: 6.90% (at/below the govt-guaranteed benchmark) 2 years to 3 years: 7.00% · Post Office TD: 7.00% (at/below the govt-guaranteed benchmark) 3 years 1 day to less than 5 years: 6.75% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) 5 years: 6.75% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 5 years 1 day to less than 8 years: 6.50% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 8 years to 10 years: 6.25% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) Above 10 years: 6.00% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d1m1m2m2m3m6m6m9m9m1y395d2y1096d5y1826d8y3651d General Post Office TD

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.

3%4%5%6%7% 7 to 14 days: 3.75% (General: 3.25%) 15 to 29 days: 3.75% (General: 3.25%) 30 days: 3.75% (General: 3.25%) 31 to 45 days: 4.00% (General: 3.50%) 46 to 60 days: 4.75% (General: 4.25%) 61 to 90 days: 5.25% (General: 4.75%) 91 to 179 days: 5.25% (General: 4.75%) 180 days: 5.75% (General: 5.25%) 181 to 269 days: 6.00% (General: 5.50%) 270 days: 6.00% (General: 5.50%) 271 days to less than 1 year: 6.65% (General: 6.15%) 1 year to less than 13 months: 7.50% (General: 7.00%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 13 months to less than 2 years: 7.25% (General: 6.75%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years to 3 years: 7.50% (General: 7.00%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 3 years 1 day to less than 5 years: 7.25% (General: 6.75%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) 5 years: 7.25% (General: 6.75%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 5 years 1 day to less than 8 years: 7.00% (General: 6.50%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 8 years to 10 years: 6.75% (General: 6.25%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) Above 10 years: 6.50% (General: 6.00%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d1m1m2m2m3m6m6m9m9m1y395d2y1096d5y1826d8y3651d Senior General Post Office TD

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.

3%4%5%6%7% 7 to 14 days: 3.75% (Senior: 3.75%) 15 to 29 days: 3.75% (Senior: 3.75%) 30 days: 3.75% (Senior: 3.75%) 31 to 45 days: 4.00% (Senior: 4.00%) 46 to 60 days: 4.75% (Senior: 4.75%) 61 to 90 days: 5.25% (Senior: 5.25%) 91 to 179 days: 5.25% (Senior: 5.25%) 180 days: 5.75% (Senior: 5.75%) 181 to 269 days: 6.00% (Senior: 6.00%) 270 days: 6.00% (Senior: 6.00%) 271 days to less than 1 year: 6.65% (Senior: 6.65%) 1 year to less than 13 months: 7.50% (Senior: 7.50%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 13 months to less than 2 years: 7.25% (Senior: 7.25%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 years to 3 years: 7.50% (Senior: 7.50%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) 3 years 1 day to less than 5 years: 7.25% (Senior: 7.25%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) 5 years: 7.25% (Senior: 7.25%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 5 years 1 day to less than 8 years: 7.00% (Senior: 7.00%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 8 years to 10 years: 6.75% (Senior: 6.75%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) Above 10 years: 6.50% (Senior: 6.50%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d15d1m1m2m2m3m6m6m9m9m1y395d2y1096d5y1826d8y3651d Senior Senior Post Office TD

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.

TenureGeneralSeniorTrendApplies to
7 to 14 days
 3.25% 3.75% — Below ₹1 crore
15 to 29 days
 3.25% 3.75% — Below ₹1 crore
30 days
 3.25% 3.75% — Below ₹1 crore
31 to 45 days
 3.50% 4.00% — Below ₹1 crore
46 to 60 days
 4.25% 4.75% — Below ₹1 crore
61 to 90 days
 4.75% 5.25% — Below ₹1 crore
91 to 179 days
 4.75% 5.25% — Below ₹1 crore
180 days
 5.25% 5.75% — Below ₹1 crore
181 to 269 days
 5.50% 6.00% — Below ₹1 crore
270 days
 5.50% 6.00% — Below ₹1 crore
271 days to less than 1 year
 6.15% 6.65% — Below ₹1 crore
1 year to less than 13 months
 7.00% 7.50% — Below ₹1 crore
13 months to less than 2 years
 6.75% 7.25% — Below ₹1 crore
2 years to 3 years
 7.00% 7.50% — Below ₹1 crore
3 years 1 day to less than 5 years
 6.75% 7.25% — Below ₹1 crore
5 years
 6.75% 7.25% — Below ₹1 crore
5 years 1 day to less than 8 years
 6.50% 7.00% — Below ₹1 crore
8 years to 10 years
 6.25% 6.75% — Below ₹1 crore
Above 10 years
 6.00% 6.50% — Below ₹1 crore
Source ↗

Savings account rates

Rates for deposits below ₹3 crore · general vs senior citizen · trend over time

TenureGeneralSeniorTrendApplies to
Any tenure
 3.00% — — Any amount
Source ↗

Good to know

Deposits with Jharkhand 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.

official Effective 23 Mar 2023 · Ingested 30 Sept 2026 · Verified 30 Sept 2026 · View source

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