Sikkim State Co-operative Bank (SISCO Bank) is a state co-operative apex bank, headquartered in Gangtok. Its headline 1-year FD rate of 7.30% is +0.60% above the state co-operative bank average of 6.70%, ranking #3 of 27 state co-operative banks.
Rates as of 24 Jun 2026, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at SISCO 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.
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 |
|---|---|---|---|---|
7 to 14 days |
3.25% | — | — | Below ₹2 crore |
7 to 14 days |
4.00% | — | — | ₹2 crore and above |
15 to 29 days |
4.00% | — | — | Below ₹2 crore |
15 to 29 days |
4.00% | — | — | ₹2 crore and above |
30 to 45 days |
4.25% | — | — | Below ₹2 crore |
30 to 45 days |
5.00% | — | — | ₹2 crore and above |
46 to 60 days |
5.00% | — | — | Below ₹2 crore |
46 to 60 days |
5.50% | — | — | ₹2 crore and above |
61 to 90 days |
5.25% | — | — | Below ₹2 crore |
61 to 90 days |
6.00% | — | — | ₹2 crore and above |
91 to 179 days |
5.50% | — | — | Below ₹2 crore |
91 to 179 days |
6.50% | — | — | ₹2 crore and above |
180 to 270 days |
6.00% | — | — | Below ₹2 crore |
180 to 270 days |
6.50% | — | — | ₹2 crore and above |
271 days to under 1 year |
6.25% | — | — | Below ₹2 crore |
271 days to under 1 year |
6.75% | — | — | ₹2 crore and above |
1 year to under 2 years |
7.30% | — | — | Below ₹2 crore |
1 year to under 2 years |
6.80% | — | — | ₹2 crore and above |
2 years to under 3 years |
7.30% | — | — | Below ₹2 crore |
2 years to under 3 years |
6.80% | — | — | ₹2 crore and above |
3 years to 10 years |
7.30% | — | — | Below ₹2 crore |
3 years to 10 years |
6.80% | — | — | ₹2 crore and above |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
3.00% | — | — | Any amount |
Deposits with Sikkim 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 SISCO 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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