Rates verified from official source

The Punjab State Cooperative Bank Ltd. Fixed Deposit interest rates · November 2026

Punjab State Co-op Bank's best Fixed Deposit rate is 6.90% (1 Year), 2.60 points below the best on the market (9.50%).

  • Seniors: up to 7.40% (1 Year), 0.50 points above the general rate for that tenure.

What will my FD earn at Punjab State Co-op Bank?

Estimated value after 1 year · before tax ₹5,35,403 6.90% p.a. · ₹35,403 interest · quarterly compounding
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Deposit amount

Showing 7 of 35 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 to 15-45 Days
2 slabs at this rate
Below ₹2 crore
 3.25% 3.75% Below ₹2 crore
29 Jan 2026
✓ verified 13 Nov 2026
official
fetched 11 Nov 2026
46-90 Days to
91- 179 Days
2 slabs at this rate
 4.75% 5.25% Below ₹2 crore
29 Jan 2026
✓ verified 13 Nov 2026
official
fetched 11 Nov 2026
180-270 Days
Below ₹2 crore
 6.05% 6.55% Below ₹2 crore
29 Jan 2026
✓ verified 13 Nov 2026
official
fetched 11 Nov 2026
271–364 Days
Below ₹2 crore
 6.25% 6.75% Below ₹2 crore
29 Jan 2026
✓ verified 13 Nov 2026
official
fetched 11 Nov 2026
1 Year to 2
Year (Except
444 & 525 Days)
2 slabs at this rate
Below ₹2 crore
 6.90% 7.40% Below ₹2 crore
29 Jan 2026
✓ verified 13 Nov 2026
official
fetched 11 Nov 2026
Above 2 Years
upto 3 Years
 6.75% 7.25% Below ₹2 crore
29 Jan 2026
✓ verified 13 Nov 2026
official
fetched 11 Nov 2026
Above 3 Years
 6.00% 6.50% Below ₹2 crore
29 Jan 2026
✓ verified 13 Nov 2026
official
fetched 11 Nov 2026
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Punjab State Co-op Bank FD return examples

DepositHighest rate1 year6.90%Highest rate2 years6.90%5 years6.00%10 years6.00%
₹50,000★₹53,540₹3,540 a year₹288/mo★₹57,331₹3,540 a year₹288/mo₹67,343₹3,068 a year₹250/mo₹90,701₹3,068 a year₹250/mo
₹1 lakh★₹1,07,081₹7,081 a year₹575/mo★₹1,14,663₹7,081 a year₹575/mo₹1,34,686₹6,136 a year₹500/mo₹1,81,402₹6,136 a year₹500/mo
₹2 lakh★₹2,14,161₹14,161 a year₹1,150/mo★₹2,29,325₹14,161 a year₹1,150/mo₹2,69,371₹12,273 a year₹1,000/mo₹3,62,804₹12,273 a year₹1,000/mo
₹5 lakh★₹5,35,403₹35,403 a year₹2,875/mo★₹5,73,313₹35,403 a year₹2,875/mo₹6,73,428₹30,682 a year₹2,500/mo₹9,07,009₹30,682 a year₹2,500/mo
₹10 lakh★₹10,70,806₹70,806 a year₹5,750/mo★₹11,46,625₹70,806 a year₹5,750/mo₹13,46,855₹61,364 a year₹5,000/mo₹18,14,018₹61,364 a year₹5,000/mo

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

Select a term · Annual rates for ₹5,00,000

1 year

6.90%
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Market rank & rate source

#424 of 1033

1 Year · Below ₹2 crore

Official rate sheet ↗
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Before you book

Punjab State Co-op Bank Fixed Deposit: frequently asked questions

What is the highest Punjab State Co-op Bank Fixed Deposit interest rate?

As of 14 Nov 2026, The Punjab State Cooperative Bank Ltd. offers up to 6.90% p.a. on its fixed deposit (FD) (1 Year) for general customers and 7.40% p.a. (1 Year) for senior citizens. Rates below are as published by the bank. Confirm with Punjab State Co-op Bank before investing.

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What is the Punjab State Co-op Bank 1-year FD interest rate?

As of 14 Nov 2026, The Punjab State Cooperative Bank Ltd. 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 29 Jan 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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What is the Punjab State Co-op Bank 2-year FD interest rate?

As of 14 Nov 2026, The Punjab State Cooperative Bank Ltd. offers 6.90% p.a. on a 2-year FD for general customers and 7.40% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 29 Jan 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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What is the Punjab State Co-op Bank 3-year FD interest rate?

As of 14 Nov 2026, The Punjab State Cooperative Bank Ltd. offers 6.75% p.a. on a 3-year FD for general customers and 7.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 29 Jan 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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What is the Punjab State Co-op Bank 5-year FD interest rate?

As of 14 Nov 2026, The Punjab State Cooperative Bank Ltd. offers 6.00% p.a. on a 5-year FD for general customers and 6.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 29 Jan 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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Do senior citizens get higher Fixed Deposit rates at Punjab State Co-op Bank?

Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Punjab State Cooperative Bank Ltd., depending on the tenure.

See today's top senior citizen rates →

When did Punjab State Co-op Bank last change its Fixed Deposit rates?

RateScan.in has recorded no change to The Punjab State Cooperative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 11 Nov 2026.

Rate movements →

What fixed deposit (FD) tenures does Punjab State Co-op Bank offer?

The Punjab State Cooperative Bank Ltd.'s published fixed deposit (FD) rate table has 10 tenure bands, from “7 – 14 Days” to “Above 3 Years”.

Does Punjab State Co-op Bank pay different fixed deposit (FD) rates by deposit size?

Yes. The Punjab State Cooperative Bank Ltd.'s table lists separate bands: Below ₹2 crore; ₹2 crore to below ₹10 crore (callable); ₹10 crore to below ₹25 crore; ₹25 crore to below ₹100 crore; ₹100 crore and above. Each row shows the band it applies to.

Does Punjab State Co-op Bank pay more than the Post Office Time Deposit?

The Punjab State Cooperative Bank Ltd. 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 6.90% (PO 7.00%), 3y 6.75% (PO 7.10%), 5y 6.00% (PO 7.50%). PO is the Post Office Time Deposit rate.

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How does Punjab State Co-op Bank's 1-year FD rate rank?

The Punjab State Cooperative Bank Ltd.'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%.

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Is my fixed deposit (FD) with Punjab State Co-op Bank insured?

Deposits with The Punjab State Cooperative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these Punjab State Co-op Bank rates?

RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 29 Jan 2026. Rates can change without notice, so verify on the official Punjab State Co-op Bank website before investing.

Rate movements →

More Punjab State Co-op Bank rates

Punjab State Co-op Bank overviewPunjab State Co-op Bank Savings rates

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Bandhan 7.00%Capital 7.00%AU 7.10%

Best FD rates among state co-operative banks → Best FD rates in Punjab →

Good to know

  • Deposits with The Punjab State Cooperative Bank Ltd. 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.
  • Punjab State Co-op Bank 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 Punjab State Co-op Bank, depending on the tenure.
official Effective 29 Jan 2026 · Ingested 11 Nov 2026 · Verified 13 Nov 2026 · View source

Informational only. Always confirm the current rate on the official Punjab State Co-op 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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