Mizoram Rural Bank (MizRB) is a nationalised public sector bank, headquartered in Aizawl, established in 1983. Its headline 1-year FD rate of 6.40% is −0.16% below the public sector average of 6.56%, ranking #21 of 28 public sector banks.
Rates as of 24 Sept 2026, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at MizRB (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 days to 14 days |
3.10% | 3.60% | Any amount | |
7–45 days |
3.00% | 3.50% | Any amount | |
15 days to 45 days |
3.10% | 3.60% | Any amount | |
46 days to 60 days |
5.10% | 5.60% | Any amount | |
46–90 days |
4.25% | 4.75% | Any amount | |
61 days to 180 days |
5.10% | 5.60% | Any amount | |
91–180 days |
5.25% | 5.75% | Any amount | |
181 days to less than 1 year |
6.05% | 6.55% | Any amount | |
1 year to less than 2 years |
6.40% | 6.90% | Any amount | |
400 days MizRB Pheichham2 400 days |
6.70% | 7.20% | Any amount | |
2 years to less than 3 years |
6.50% | 7.00% | Any amount | |
3 years to less than 5 years |
6.40% | 6.90% | Any amount | |
5 years and upto 8 years |
6.20% | 6.70% | Any amount | |
5 years to 10 years |
6.00% | 6.50% | Any amount | |
8 years and upto 10 years |
6.20% | 6.70% | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 year to less than 2 years |
6.40% | 6.90% | Any amount | |
2 years to less than 3 years |
6.50% | 7.00% | Any amount | |
3 years to less than 5 years |
6.40% | 6.90% | Any amount | |
5 years and upto 8 years |
6.20% | 6.70% | Any amount | |
8 years and upto 10 years |
6.20% | 6.70% | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.30% | 2.30% | Below ₹50 lakh |
Deposits with Mizoram Rural 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 MizRB 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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