West Bengal Gramin Bank (WBGB) is a nationalised public sector bank, headquartered in Kolkata, established in 2019. Its headline 1-year FD rate of 6.00% is −0.58% below the public sector average of 6.58%, ranking #28 of 28 public sector banks.
Rates as of 14 Sept 2026, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at WBGB (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 days to 14 days |
3.00% | 3.00% | — | Below ₹1 crore |
7 days to 14 days |
3.10% | 3.00% | — | ₹1 crore and above |
15 days to 29 days |
3.00% | 3.00% | — | Below ₹1 crore |
15 days to 29 days |
3.10% | 3.00% | — | ₹1 crore and above |
30 days to 45 days |
3.00% | 3.00% | — | Below ₹1 crore |
30 days to 45 days |
3.10% | 3.00% | — | ₹1 crore and above |
46 days to 90 days |
4.50% | 4.50% | Below ₹1 crore | |
46 days to 90 days |
4.60% | 4.50% | ₹1 crore and above | |
91 days to 179 days |
4.50% | 4.50% | — | Below ₹1 crore |
91 days to 179 days |
4.60% | 4.50% | — | ₹1 crore and above |
180 days to 270 days |
5.50% | 5.50% | — | Below ₹1 crore |
180 days to 270 days |
5.60% | 5.50% | — | ₹1 crore and above |
271 days to less than 1 year |
5.50% | 5.50% | — | Below ₹1 crore |
271 days to less than 1 year |
5.60% | 5.50% | — | ₹1 crore and above |
1 year to 399 days |
6.00% | 6.50% | — | Below ₹1 crore |
1 year to 399 days |
7.00% | 6.50% | — | ₹1 crore and above |
400 days |
6.80% | 7.30% | — | Below ₹1 crore |
400 days |
6.90% | 7.30% | — | ₹1 crore and above |
401 days to 2 years |
6.25% | 6.75% | — | Below ₹1 crore |
401 days to 2 years |
6.35% | 6.75% | — | ₹1 crore and above |
2 years 1 day to 3 years |
6.25% | 6.75% | — | Below ₹1 crore |
2 years 1 day to 3 years |
6.35% | 6.75% | — | ₹1 crore and above |
3 years 1 day to 5 years |
6.00% | 6.50% | — | Below ₹1 crore |
3 years 1 day to 5 years |
6.10% | 6.50% | — | ₹1 crore and above |
5 years 1 day to 10 years |
6.00% | 6.50% | — | Below ₹1 crore |
5 years 1 day to 10 years |
6.10% | 6.50% | — | ₹1 crore and above |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 year to 399 days |
6.00% | 6.50% | — | Any amount |
400 days |
6.80% | 7.30% | — | Any amount |
401 days to 2 years |
6.25% | 6.75% | — | Any amount |
2 years 1 day to 3 years |
6.25% | 6.75% | — | Any amount |
3 years 1 day to 5 years |
6.00% | 6.50% | — | Any amount |
5 years 1 day to 10 years |
6.00% | 6.50% | — | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.50% | 2.50% | — | Up to ₹50 lakhs |
Any tenure |
3.00% | 2.50% | — | Above ₹50 lakhs |
Deposits with West Bengal Gramin 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 WBGB 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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