Earn Higher Interest Rates on Fixed Deposit with This Account
June 04, 2026
The RBI's Monetary Policy Committee cut the repo rate by 50 basis points to 5.50% in its June 2025 meeting, marking the second consecutive reduction within six weeks to support growth amid benign inflation. This shift to an "accommodative" stance follows a February cut spurred by a manufacturing slowdown, with policymakers aiming to bolster domestic demand as retail inflation hovers near target.
In response, many banks have trimmed deposit rates, eroding returns on standard savings and fixed deposits. However, savvy investors can still capitalize on differentiated products—such as Ujjivan's Digital Fixed Deposit and Platina Fixed Deposit—to lock in rates that outpace most competitors.
Ujjivan's Digital Fixed Deposit: High Yield, Full Flexibility
Ujjivan Small Finance Bank's Digital Fixed Deposit stands out by offering up to 7.55%* p.a. (for FDs booked for 3 year 1 month to 3 year 6 months, data as on 5 June 2026), with an additional 0.50% for senior citizens, taking it to 8.05%* p.a.
Key Features
Platina FD: Premium Returns for Large Deposits
For investors with substantial capital, Ujjivan's Platina Fixed Deposit offers up to 7.65%* p.a. interest rate (*T&C apply). Please note that it's a non-callable FD, meaning you cannot withdraw or break your FD before the maturity date.
Key Features
Final Thoughts
While the RBI's repo rate cuts have broadly nudged bank rates downward, targeted solutions like Ujjivan's Digital Fixed Deposit and Platina FD allow you to maintain—and even improve—your interest earnings. Take advantage of these specialized offerings to ensure your portfolio continues to work hard for you.
Looking to grow your savings faster? Ujjivan SFB offers a wide range of fixed deposit products. Select the FD of your choice and take a step forward to your financial goals. Alternatively, you can browse through Ujjivan SFB product suite - our wide range of financial products are designed to make your financial life better.
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