Uttar Pradesh State Co-operative Bank (UP State Cooperative Bank) is a state co-operative apex bank, headquartered in Lucknow. Its headline 1-year FD rate of 6.40% is −0.33% below the state co-operative bank average of 6.73%, ranking #23 of 27 state co-operative banks.
Rates as of 1 Sept 2025, verified from aggregated sources. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at UP State Cooperative 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 |
3.00% | — | — | Below ₹3 crore |
7 to 14 days |
2.75% | — | — | ₹3 crore and above |
15 to 45 days |
3.00% | — | — | Below ₹3 crore |
15 to 45 days |
3.00% | — | — | ₹3 crore and above |
46 to 90 days |
4.50% | — | — | Below ₹3 crore |
46 to 90 days |
4.00% | — | — | ₹3 crore and above |
91 to 180 days |
4.50% | — | — | Below ₹3 crore |
91 to 180 days |
5.20% | — | — | ₹3 crore and above |
181 days to under 1 year |
5.50% | — | — | Below ₹3 crore |
181 days to under 1 year |
5.50% | — | — | ₹3 crore and above |
1 to 2 years |
6.40% | 6.90% | — | Below ₹3 crore |
1 to 2 years |
6.50% | 6.90% | — | ₹3 crore and above |
2 to 3 years |
6.30% | 6.80% | — | Below ₹3 crore |
2 to 3 years |
6.40% | 6.80% | — | ₹3 crore and above |
3 to 5 years |
6.30% | 6.80% | — | Below ₹3 crore |
3 to 5 years |
6.40% | 6.80% | — | ₹3 crore and above |
5 to 10 years |
6.20% | 6.70% | — | Below ₹3 crore |
5 to 10 years |
6.30% | 6.70% | — | ₹3 crore and above |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.60% | — | — | Any amount |
Deposits with Uttar Pradesh 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 UP State Cooperative 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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