Tamil Nadu State Apex Co-operative Bank (TNSC Bank) is a state co-operative apex bank, headquartered in Chennai. Its headline 1-year FD rate of 7.35% is +0.65% above the state co-operative bank average of 6.70%, ranking #2 of 27 state co-operative banks.
Rates as of 30 Sept 2026, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at TNSC 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 14 days |
3.60% | 3.60% | — | Below ₹2 crore |
15 to 29 days |
4.10% | 4.10% | — | Below ₹2 crore |
30 to 45 days |
4.60% | 4.60% | — | Below ₹2 crore |
46 to 90 days |
5.10% | 5.60% | — | Below ₹2 crore |
91 to 119 days |
5.60% | 5.85% | — | Below ₹2 crore |
91 to 119 days |
5.75% | 5.85% | — | ₹2 crore to under ₹5 crore |
91 to 119 days |
5.90% | 5.85% | — | ₹5 crore to under ₹20 crore |
91 to 119 days |
6.00% | 5.85% | — | ₹20 crore to under ₹50 crore |
91 to 119 days |
6.10% | 5.85% | — | ₹50 crore and above |
120 to 179 days |
6.10% | 6.10% | — | Below ₹2 crore |
120 to 179 days |
6.25% | 6.10% | — | ₹2 crore to under ₹5 crore |
120 to 179 days |
6.40% | 6.10% | — | ₹5 crore to under ₹20 crore |
120 to 179 days |
6.50% | 6.10% | — | ₹20 crore to under ₹50 crore |
120 to 179 days |
6.60% | 6.10% | — | ₹50 crore and above |
180 to 270 days |
6.60% | 6.60% | — | Below ₹2 crore |
180 to 270 days |
6.75% | 6.60% | — | ₹2 crore to under ₹5 crore |
180 to 270 days |
6.90% | 6.60% | — | ₹5 crore to under ₹20 crore |
180 to 270 days |
7.00% | 6.60% | — | ₹20 crore to under ₹50 crore |
180 to 270 days |
7.10% | 6.60% | — | ₹50 crore and above |
271 to 364 days |
6.85% | 6.85% | — | Below ₹2 crore |
271 to 364 days |
7.00% | 6.85% | — | ₹2 crore to under ₹5 crore |
271 to 364 days |
7.15% | 6.85% | — | ₹5 crore to under ₹20 crore |
271 to 364 days |
7.25% | 6.85% | — | ₹20 crore to under ₹50 crore |
271 to 364 days |
7.35% | 6.85% | — | ₹50 crore and above |
12 months to under 24 months |
7.35% | 7.60% | — | Below ₹2 crore |
12 months to under 24 months |
7.50% | 7.60% | — | ₹2 crore to under ₹5 crore |
12 months to under 24 months |
7.65% | 7.60% | — | ₹5 crore to under ₹20 crore |
12 months to under 24 months |
7.75% | 7.60% | — | ₹20 crore to under ₹50 crore |
12 months to under 24 months |
7.85% | 7.60% | — | ₹50 crore and above |
24 months to under 36 months |
7.10% | 7.35% | — | Below ₹2 crore |
24 months to under 36 months |
7.25% | 7.35% | — | ₹2 crore to under ₹5 crore |
24 months to under 36 months |
7.40% | 7.35% | — | ₹5 crore to under ₹20 crore |
24 months to under 36 months |
7.50% | 7.35% | — | ₹20 crore to under ₹50 crore |
24 months to under 36 months |
7.60% | 7.35% | — | ₹50 crore and above |
36 months and above |
6.85% | 7.10% | — | Below ₹2 crore |
36 months and above |
7.00% | 7.10% | — | ₹2 crore to under ₹5 crore |
36 months and above |
7.15% | 7.10% | — | ₹5 crore to under ₹20 crore |
36 months and above |
7.25% | 7.10% | — | ₹20 crore to under ₹50 crore |
36 months and above |
7.35% | 7.10% | — | ₹50 crore and above |
Deposits with Tamil Nadu State Apex 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 TNSC 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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