The West Bengal State Co-operative Bank (WBSTCB) is a state co-operative apex bank, headquartered in Kolkata, established in 1918. Its headline 1-year FD rate of 6.50% is −0.23% below the state co-operative bank average of 6.73%, ranking #21 of 27 state co-operative banks.
Rates as of 10 Jul 2025, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at WBSTCB (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 |
4.00% | — | — | Below ₹1 crore |
7 to 14 days |
4.00% | — | — | ₹1 crore to under ₹25 crore |
7 to 14 days |
4.00% | — | — | ₹25 crore to under ₹100 crore |
7 to 14 days |
4.00% | — | — | ₹100 crore and above |
15 to 29 days |
4.00% | — | — | Below ₹1 crore |
15 to 29 days |
4.00% | — | — | ₹1 crore to under ₹25 crore |
15 to 29 days |
4.00% | — | — | ₹25 crore to under ₹100 crore |
15 to 29 days |
4.00% | — | — | ₹100 crore and above |
30 to 45 days |
4.05% | — | — | Below ₹1 crore |
30 to 45 days |
4.05% | — | — | ₹1 crore to under ₹25 crore |
30 to 45 days |
4.10% | — | — | ₹25 crore to under ₹100 crore |
30 to 45 days |
4.15% | — | — | ₹100 crore and above |
46 to 90 days |
4.25% | — | — | Below ₹1 crore |
46 to 90 days |
4.10% | — | — | ₹1 crore to under ₹25 crore |
46 to 90 days |
4.20% | — | — | ₹25 crore to under ₹100 crore |
46 to 90 days |
4.25% | — | — | ₹100 crore and above |
91 to 180 days |
4.75% | — | — | Below ₹1 crore |
91 to 180 days |
4.20% | — | — | ₹1 crore to under ₹25 crore |
91 to 180 days |
4.30% | — | — | ₹25 crore to under ₹100 crore |
91 to 180 days |
4.35% | — | — | ₹100 crore and above |
181 to 364 days |
5.75% | — | — | Below ₹1 crore |
181 to 364 days |
4.75% | — | — | ₹1 crore to under ₹25 crore |
181 to 364 days |
4.85% | — | — | ₹25 crore to under ₹100 crore |
181 to 364 days |
5.00% | — | — | ₹100 crore and above |
1 year |
6.50% | 6.75% | — | Below ₹1 crore |
1 year |
6.50% | 6.75% | — | ₹1 crore to under ₹25 crore |
1 year |
6.50% | 6.75% | — | ₹25 crore to under ₹100 crore |
1 year |
6.50% | 6.75% | — | ₹100 crore and above |
Above 1 year to 3 years |
6.30% | 6.55% | — | Below ₹1 crore |
Above 1 year to 3 years |
5.00% | 6.55% | — | ₹1 crore to under ₹25 crore |
Above 1 year to 3 years |
5.00% | 6.55% | — | ₹25 crore to under ₹100 crore |
Above 1 year to 3 years |
5.00% | 6.55% | — | ₹100 crore and above |
3 to 5 years |
6.25% | 6.50% | — | Below ₹1 crore |
3 to 5 years |
4.50% | 6.50% | — | ₹1 crore to under ₹25 crore |
3 to 5 years |
4.50% | 6.50% | — | ₹25 crore to under ₹100 crore |
3 to 5 years |
4.50% | 6.50% | — | ₹100 crore and above |
Above 5 years to 10 years |
6.00% | 6.25% | — | Below ₹1 crore |
Above 5 years to 10 years |
4.00% | 6.25% | — | ₹1 crore to under ₹25 crore |
Above 5 years to 10 years |
4.00% | 6.25% | — | ₹25 crore to under ₹100 crore |
Above 5 years to 10 years |
4.00% | 6.25% | — | ₹100 crore and above |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
4.00% | — | — | Any amount |
Deposits with The West Bengal 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 WBSTCB 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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