Mizoram Co-operative Apex Bank (Mizo Apex Bank) is a state co-operative apex bank, headquartered in Aizawl. Its headline 1-year FD rate of 6.45% is −0.28% below the state co-operative bank average of 6.73%, ranking #22 of 27 state co-operative banks.
Rates as of 1 Aug 2025, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at Mizo Apex Bank (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 |
3.15% | 3.65% | — | Any amount |
46 to 60 days |
5.15% | 5.65% | — | Any amount |
61 to 180 days |
5.15% | 5.65% | — | Any amount |
181 days to less than 1 year |
6.10% | 6.60% | — | Any amount |
1 to less than 2 years |
6.45% | 6.95% | — | Any amount |
442 days Sekibuhchhuak 442 Days |
6.70% | 7.20% | — | Any amount |
2 to less than 3 years |
6.55% | 7.05% | — | Any amount |
3 to less than 5 years |
6.45% | 6.95% | — | Any amount |
5 to less than 8 years |
6.25% | 6.75% | — | Any amount |
8 years and above |
6.25% | 6.75% | — | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.35% | — | — | Any amount |
Deposits with Mizoram Co-operative Apex 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 Mizo Apex Bank 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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