Interest Rates
Interest Rates (Effective from 23.12.2025)
Official rates offered by Ranaghat People's Co-operative Bank Ltd. Leveraging Technology for Improvement in Customer Service.
নির্দিষ্ট সময় কালের জমা রাশির উপর সুদের হার (Interest Rates on Term Deposits)
Effective: 23.12.2025| Period / Tenure | General Rate (% p.a.) | Senior Citizen Rate (% p.a.) |
|---|---|---|
| 46 Days | 4.90% | 5.40% |
| 6 Months | 5.65% | 6.15% |
| 1 Year | 6.25% | 6.75% |
| 2 Years | 6.40% | 6.90% |
| 3 Years | 6.30% | 6.80% |
| 5 Years MIS | 6.05% | 7.05% |
Savings Interest Rate
| Account Type | Interest Rate (% p.a.) |
|---|---|
| Savings Account Balance | 2.50% |
* Savings interest is calculated on a daily balance basis and credited quarterly as per RBI regulations.
Loans & Scheme Interest Rates
| Item / Facility Type | Rate in % (p.a.) |
|---|---|
| MORTGAGE LOAN | 11.00% |
| GOLD LOAN | 8.70% |
| NSC/KVP | 11.25% |
| PERSONAL SURITY LOAN | 10.60% |
| HOUSING LOAN (GENERAL) | 8.25% |
| LIC | 11.25% |
| CAR LOAN | 9.25% |
| TERM LOAN SPECIAL | 11.25% |
| EDUCATIONAL LOAN | 11.15% |
| OVER DRAFT | +2% (over deposit rate) |
| BANK OWN CERTIFICATE (Interest offered by the bank) |
+2% |
Calculate your returns easily
Use our interactive Loan EMI and Deposit Return calculator on the Home Page to simulate and estimate your monthly payouts or final returns.
Important Terms & Conditions:
- All rates are subject to change from time to time as per RBI regulations and Bank's Board decisions.
- Interest on savings deposits is calculated on a daily balance basis and credited quarterly.
- Tax deducted at source (TDS) is applicable on term deposit interests as per Income Tax Act rules.
- For specific deposit schemes, bulk deposits, and customized loan terms, please contact the branch manager directly.