Rates verified from official source

The West Bengal State Co-operative Bank Fixed Deposit interest rates · November 2026

WBSTCB's best Fixed Deposit rate is 6.50% (1 year), 3.00 points below the best on the market (9.50%).

  • Seniors: up to 6.75% (1 year), 0.25 points above the general rate for that tenure.

What will my FD earn at WBSTCB?

Estimated value after 1 year · before tax ₹5,33,301 6.50% p.a. · ₹33,301 interest · quarterly compounding
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Deposit amount

Showing 9 of 36 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 to 29 days
2 slabs at this rate
Below ₹1 crore
 4.00% – Below ₹1 crore
10 Jul 2025
✓ verified 14 Nov 2026
official
captured from the bank's rate card 30 Sept 2026
30 to 45 days
Below ₹1 crore
 4.05% – Below ₹1 crore
10 Jul 2025
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026
46 to 90 days
Below ₹1 crore
 4.25% – Below ₹1 crore
10 Jul 2025
✓ verified 14 Nov 2026
official
captured from the bank's rate card 30 Sept 2026
91 to 180 days
Below ₹1 crore
 4.75% – Below ₹1 crore
10 Jul 2025
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026
181 to 364 days
Below ₹1 crore
 5.75% – Below ₹1 crore
10 Jul 2025
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026
1 year
Below ₹1 crore
 6.50% 6.75% Below ₹1 crore
10 Jul 2025
✓ verified 14 Nov 2026
official
captured from the bank's rate card 30 Sept 2026
Above 1 year
to 3 years
Below ₹1 crore
 6.30% 6.55% Below ₹1 crore
10 Jul 2025
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026
3 to 5 years
Below ₹1 crore
 6.25% 6.50% Below ₹1 crore
10 Jul 2025
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026
Above 5 years
to 10 years
Below ₹1 crore
 6.00% 6.25% Below ₹1 crore
10 Jul 2025
✓ verified 14 Nov 2026
official
captured from the bank's rate card 18 Oct 2026

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WBSTCB FD return examples

DepositHighest rate1 year6.50%2 years6.30%5 years6.25%10 years6.00%
₹50,000★₹53,330₹3,330 a year₹271/mo₹56,658₹3,225 a year₹263/mo₹68,177₹3,199 a year₹260/mo₹90,701₹3,068 a year₹250/mo
₹1 lakh★₹1,06,660₹6,660 a year₹542/mo₹1,13,317₹6,450 a year₹525/mo₹1,36,354₹6,398 a year₹521/mo₹1,81,402₹6,136 a year₹500/mo
₹2 lakh★₹2,13,320₹13,320 a year₹1,083/mo₹2,26,634₹12,901 a year₹1,050/mo₹2,72,708₹12,796 a year₹1,042/mo₹3,62,804₹12,273 a year₹1,000/mo
₹5 lakh★₹5,33,301₹33,301 a year₹2,708/mo₹5,66,584₹32,252 a year₹2,625/mo₹6,81,770₹31,990 a year₹2,604/mo₹9,07,009₹30,682 a year₹2,500/mo
₹10 lakh★₹10,66,602₹66,602 a year₹5,417/mo₹11,33,169₹64,504 a year₹5,250/mo₹13,63,539₹63,980 a year₹5,208/mo₹18,14,018₹61,364 a year₹5,000/mo

Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.

FD rates by tenure

Select a term · Annual rates for ₹5,00,000

1 year

6.50%
Compare 1 year rates → Estimate my return
Market rank & rate source

#594 of 1033

1 year · Below ₹1 crore

Official rate sheet ↗
See all published rates
Before you book

WBSTCB Fixed Deposit: frequently asked questions

What is the highest WBSTCB Fixed Deposit interest rate?

As of 14 Nov 2026, The West Bengal State Co-operative Bank offers up to 6.50% p.a. on its fixed deposit (FD) (1 year) for general customers and 6.75% p.a. (1 year) for senior citizens. Rates below are as published by the bank. Confirm with WBSTCB before investing.

See today's top interest rates →

What is the WBSTCB 1-year FD interest rate?

As of 14 Nov 2026, The West Bengal State Co-operative Bank offers 6.50% p.a. on a 1-year FD for general customers and 6.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 10 Jul 2025 and was last verified 14 Nov 2026. Source: the bank's official rate page.

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What is the WBSTCB 2-year FD interest rate?

As of 14 Nov 2026, The West Bengal State Co-operative Bank offers 6.30% p.a. on a 2-year FD for general customers and 6.55% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 10 Jul 2025 and was last verified 14 Nov 2026. Source: the bank's official rate page.

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What is the WBSTCB 3-year FD interest rate?

As of 14 Nov 2026, The West Bengal State Co-operative Bank offers 6.25% p.a. on a 3-year FD for general customers and 6.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 10 Jul 2025 and was last verified 14 Nov 2026. Source: the bank's official rate page.

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What is the WBSTCB 5-year FD interest rate?

As of 14 Nov 2026, The West Bengal State Co-operative Bank offers 6.25% p.a. on a 5-year FD for general customers and 6.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 10 Jul 2025 and was last verified 14 Nov 2026. Source: the bank's official rate page.

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Do senior citizens get higher Fixed Deposit rates at WBSTCB?

Yes. Senior citizens (60+) earn up to 0.25% p.a. more than general customers at The West Bengal State Co-operative Bank, depending on the tenure.

See today's top senior citizen rates →

When did WBSTCB last change its Fixed Deposit rates?

RateScan.in has recorded no change to The West Bengal State Co-operative Bank's fixed deposit (FD) rates since it started tracking them on 30 Sept 2026.

Rate movements →

What fixed deposit (FD) tenures does WBSTCB offer?

The West Bengal State Co-operative Bank's published fixed deposit (FD) rate table has 10 tenure bands, from “7 to 14 days” to “Above 5 years to 10 years”.

Does WBSTCB pay different fixed deposit (FD) rates by deposit size?

Yes. The West Bengal State Co-operative Bank's table lists separate bands: Below ₹1 crore; ₹1 crore to under ₹25 crore; ₹25 crore to under ₹100 crore; ₹100 crore and above. Each row shows the band it applies to.

Does WBSTCB pay more than the Post Office Time Deposit?

The West Bengal State Co-operative Bank pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.50% (PO 6.90%), 2y 6.30% (PO 7.00%), 3y 6.25% (PO 7.10%), 5y 6.25% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

How does WBSTCB's 1-year FD rate rank?

The West Bengal State Co-operative Bank's 1-year general FD rate of 6.50% ranks #594 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.

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Is my fixed deposit (FD) with WBSTCB insured?

Deposits with The West Bengal State Co-operative Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these WBSTCB rates?

RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 10 Jul 2025. Rates can change without notice, so verify on the official WBSTCB website before investing.

Rate movements →

More WBSTCB rates

WBSTCB overviewWBSTCB Savings rates

Fixed Deposit rates at other banks

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Nearby banks paying a little more at 1 year

Federal 6.55%J&K Bank 6.55%KVB 6.55%

Best FD rates among state co-operative banks → Best FD rates in West Bengal →

Good to know

  • Deposits with The West Bengal State Co-operative Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
  • WBSTCB is a state co-operative bank. Co-operative banks are regulated by the RBI together with the state registrar of co-operative societies; check that the bank is covered by DICGC before depositing.
  • Senior citizens (60+) earn up to 0.25% p.a. more than general customers at WBSTCB, depending on the tenure.
official Effective 10 Jul 2025 · Ingested 30 Sept 2026 · Verified 14 Nov 2026 · View source

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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