Vidyasagar Central Co-operative Bank (Vidyasagar CCB) is a district central co-operative bank (DCCB), headquartered in Midnapore. Its headline 1-year FD rate of 6.50% is −0.38% below the district co-operative bank average of 6.88%, ranking #95 of 113 district co-operative banks.
Rates as of 7 Oct 2025, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at Vidyasagar CCB (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 45 days |
3.25% | 3.25% | — | Any amount |
46 to 90 days |
4.90% | 4.90% | — | Any amount |
91 to 180 days |
5.00% | 5.00% | — | Any amount |
181 to 364 days |
6.00% | 6.00% | — | Any amount |
365 days |
6.50% | 7.00% | — | Any amount |
366 to 1094 days |
6.45% | 6.95% | — | Any amount |
3 to 5 years |
6.30% | 6.80% | — | Any amount |
1111 days (special scheme) |
6.55% | 7.05% | — | Any amount |
Above 5 years |
6.05% | 6.55% | — | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Savings account |
3.00% | 3.00% | — | Any amount |
Deposits with Vidyasagar Central 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 Vidyasagar CCB 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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