Puducherry State Co-operative Bank (PSC Bank Puducherry) is a state co-operative apex bank, headquartered in Puducherry. Its headline 1-year FD rate of 5.75% is −1.01% below the state co-operative bank average of 6.76%, ranking #27 of 27 state co-operative banks.
Rates as of 1 Jul 2021, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at PSC Bank Puducherry (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.
No separate Senior rate — showing General 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.
No super-senior rate — showing General 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 |
|---|---|---|---|---|
15 to 45 days |
3.50% | — | — | Any amount |
46 to 90 days |
4.00% | — | — | Any amount |
91 to 180 days |
4.50% | — | — | Any amount |
181 to 270 days |
5.00% | — | — | Any amount |
271 to 364 days |
5.00% | — | — | Any amount |
1 to 2 years |
5.75% | — | — | Any amount |
2 to 3 years |
5.85% | — | — | Any amount |
3 years and above |
5.65% | — | — | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.90% | — | — | Any amount |
Deposits with Puducherry 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.
Informational only — always confirm the current rate on the official PSC Bank Puducherry 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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