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Paschim Banga Gramin Bank FD Interest Rates
The Paschim Banga Gramin bank is a joint conglomeration of the GoI, Government of West Bengal and UCO Bank with a capital share contribution of 50%, 15% and 35 % respectively. Its services are extended to the agricultural, rural projects development and industrial development in the districts of Howrah, Hooghly, Bardhaman and Birbhum.
Guaranteed Returns
Includes Life Cover
Completely Tax Free+
3 Benefits, 1 Plan
Maximum returns offered by:
7.4%*
(Tax-Free)
Guaranteed Plan
(By Insurance companies)4.6%*
(After Tax)
Fixed Deposit
(Offered by Banks)4.0%*
Savings Account
(Post Office)Get Guaranteed returns up to 7.4%*
Fully Tax-Free, Life Cover Included
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FD Interest Rates
- Paschim Banga Gramin Bank FD Rates
Compare FD Interest Rates of Top Financial Institutions
| BANKS | GENERAL CITIZENS | SENIOR CITIZEN |
| Axis Bank FD Rates | 2.50% - 5.75% | 2.50% - 6.50% |
| Bandhan Bank FD Rates | 3.00% - 5.00% | 3.75% - 5.75% |
| Bank of Baroda FD Rates | 2.80% - 5.25% | 3.30% - 6.25% |
| Bank of India FD Rates | 2.85% - 5.05% | 3.35% - 5.55% |
| Canara Bank FD Rates | 2.90% - 5.40% | 2.90% - 5.90% |
| Central Bank of India FD Rates | 2.75% - 5.00% | 2.90% - 3.25% |
| DBS Bank FD Rates | 2.50% - 5.50% | 3.50% - 6.00% |
| HDFC Bank FD Rates | 2.50% - 5.60% | 3.00% - 6.35% |
| IDFC Bank FD Rates | 2.50% - 6.00% | 3.00% - 6.50% |
| Indian Bank FD Rates | 2.90% - 5.15% | 3.40% - 5.65% |
| Indian Overseas Bank FD Rates | 3.40% - 5.20% | 3.90% - 5.70% |
| IndusInd Bank FD Rates | 2.50% - 6.00% | 3.00% - 6.50% |
| Punjab National Bank FD Rates | 2.90% - 5.25% | 3.50% - 5.75% |
| SBI FD Rates | 5.30% - 5.40% | 5.80% - 6.20% |
| UCO Bank FD Rates | 2.55% - 5.05% | 3.80% - 6.30% |
| Yes Bank FD Rates | 3.25% - 6.25% | 3.75% - 7.25% |
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The eligible applicants for the fixed deposits account are - individuals, minors, HUFs, business firms, LLP firms, companies, AOP, BOI, Local authority, Trust, NRI and registered societies. Fixed deposits are one of the best savings instruments that offer guaranteed returns.
Paschim Banga Gramin Bank Fixed Deposit Rates 2025
The Paschim Banga Gramin Bank FD Rates with effect from 1.04.2022 are as follows:
| Maturity Period | General Citizens % per annum | Senior Citizens % per annum |
| 7 days to 14 days | 3.00 | 3.25 |
| 15 days to 29 days | 3.00 | 3.25 |
| 30 days to 45 days | 3.00 | 3.25 |
| 46 days to 60 days | 4.00 | 4.25 |
| 61 days to 90 days | 4.00 | 4.25 |
| 91 days to 120 days | 4.25 | 4.50 |
| 121 days to 150 days | 4.25 | 4.50 |
| 151days to 180 days | 4.25 | 4.50 |
| 181 days to 269 days | 4.75 | 5.00 |
| 270 days to less than 1 year | 4.75 | 5.00 |
| 1 year | 5.00 | 5.25 |
| More than 1 year to less than 2 years | 5.00 | 5.50 |
| More than 2 years and up to 3 years | 5.00 | 5.50 |
| Above 3 years and less than 5 years | 5.00 | 5.50 |
| 5 years and above | 5.00 | 5.50 |
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The Paschim Banga Gramin Bank Rates of interest for the Tax Saver Scheme are as follows:
| Category of Depositor | % Rate Of Interest per annum |
| General | 4.85 |
| Senior Citizen | 5.35 |
| Staff/ex-staff | 5.35 |
| Senior citizen staff/ex-staff | 5.35 |
Features:
Paschim Banga Gramin bank’s fixed deposit scheme offer benefits like:
- The tenure period for the fixed deposit account can range from 7 days to 10 years with a variable monthly payout option with no cap on the maximum amount to be deposited.
- There are various schemes for fixed deposit accounts. They are Dhankuber Yojana, FCNR, NRE, NRO, General Fixed Deposit, a Recurring Deposit, Retired staff scheme and Senior citizens schemes.
- The customer gets a tax benefit of Rs.100 to Rs 1.5 lakhs for the tenure of 5 years or more as per the Income TAX Act, section 80C.
- There are different modes of payout options such as; monthly, quarterly and so on, along with a part withdrawal facility.
- Nomination facility is applicable.
- Automatic renewal of the term money is provided.
About Paschim Banga Gramin Bank Fixed Deposit Interest Rate Calculator
Paschim Banga Gramin Bank Fixed Deposit calculator is an easy-to-use, hassle-free tool that helps in quick calculation of the maturity amount and the interest earned receivable at the end of the policy tenure. By entering some basic details, you can calculate the correct FD amount. Here are the steps that an investor needs to follow to calculate Fixed Deposit rates on the FD Calculator:
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The amount that is invested
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The Rate of Interest offered
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The tenure of the Fixed Deposit Account
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The compounding period, that is, yearly, half-yearly, quarterly, or monthly
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The FD Amount
Once entered the following details, an investor will come to know:
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The maturity value of the FD
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The total interest earned during the complete tenure
Things to Know
Few things customers must be aware of the Paschim Banga Gramin Bank FD rates are:
- For deposit tenure of up to 6 months, a simple interest rate is paid at maturity.
- Cumulative interest is calculated at every quarter, so that interest paid on the principal is earned in the previous quarter too.
- For the monthly payout scheme, the interest is calculated for the quarter and paid monthly at a discounted rate.
In all the circumstances mentioned above, a penalty fee for premature payout is taken except for certain cases like senior citizen schemes.
Summing it Up
The Fixed deposit schemes by the Bank can be a reasonable investment option. Some risk factors associated with fixed deposits are default repayment, penalty, complications with payout clauses before maturity and change in the interest rates. Nevertheless, before opening a fixed deposit account, the customer must do research and confirm the rates with the bank before investing.
FD Calculator
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
##The Guaranteed Returns are dependent on the policy term and premium term availed along with other variable factors. 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and a premium term of 10 years with ₹5,00,000 annually installment premium. All plans listed here are from insurance companies’ funds.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ