Interest Rates
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Interest Rates for Fixed Deposits & Savings Accounts
Platina* Fixed Deposit - Domestic & NR DepositsDomestic Fixed Deposits And Sampoorna NidhiNRO* Term DepositsRecurring Deposits And Sampoorna LakshyaNRE* - Term DepositsTax Saver FDBulk Deposit RatesSavings Account
Platina* Fixed Deposit - Domestic & NR Deposits
Below mentioned are the Interest Rates with effective from 22nd June 2026
Tenure | Interest Rate (p.a.) (Below ₹ 3 Crores) |
1 Year to < 2 years | 7.35% |
2 Years | 7.90% |
2 Year 1 day - 3 Year | 7.35% |
3 Year 1 Day – 3 year 6 months | 7.65% |
>3 Year 6 months- 5 Years | 7.30% |
*Disclaimer clause:
“Interest rates are subject to periodic changes and the applicable interest rates will be given based on the date and time of receipt of the funds by the Bank"
- Platina FD is a non-callable deposit product. Part closure and pre-closure facilities are not available. Auto-Renewal facility will also not be available for this scheme.
- Deposit amount should be above ₹1 crore to below ₹3 crores, Tenures ranges from 12 months to 60 months with Interest pay-out options like monthly, quarterly and at maturity
- Platina deposits are available for Non-individuals and for all individuals including NR customers. However, the senior citizen additional rate will not be applicable for Platina deposits
Domestic Fixed Deposits And Sampoorna Nidhi
Below mentioned are the Interest Rates with effective from 22nd June 2026
| Tenure | Interest Rate (p.a.) (Below ₹ 3 Crores) |
| 7 days to 29 days | 3.50% |
| 30 days to 89 days | 4.15% |
| 90 days to 179 days | 4.65% |
| 180 days | 6.00% |
| 6 months to < 1 year | 5.50% |
| 1 Year to < 2 years | 7.25% |
| 2 Years | 7.80% |
| 2 Year 1 day - 3 Year | 7.25% |
| 3 Year 1 Day – 3 year 6 months | 7.55% |
| >3 Year 6 months- 5 Years | 7.20% |
| 5 years 1 day | 7.30% |
| 5 Years 2 Days - 10 Years | 6.50% |
| Additional Interest Rate for Senior Citizens | 0.50% |
*Disclaimer clause:
“Interest rates are subject to periodic changes and the applicable interest rates will be given based on the date and time of receipt of the funds by the Bank"
NRO* Term Deposits
Below mentioned are the Interest Rates with effective from 22nd June 2026
Tenure | Interest Rate (p.a.) (Below ₹ 3 Crores) |
7 days to 29 days | 3.50% |
30 days to 89 days | 4.15% |
90 days to 179 days | 4.65% |
180 days | 6.00% |
6 months to < 1 year | 5.50% |
1 Year to < 2 years | 7.25% |
2 Years | 7.80% |
2 Year 1 day - 3 Year | 7.25% |
3 Year 1 Day – 3 year 6 months | 7.55% |
>3 Year 6 months- 5 Years | 7.20% |
5 years 1 day | 7.30% |
5 Years 2 Days - 10 Years | 6.50% |
- No additional interest rates for senior citizen
*Disclaimer clause:
“Interest rates are subject to periodic changes and the applicable interest rates will be given based on the date and time of receipt of the funds by the Bank"
Recurring Deposits And Sampoorna Lakshya
Below mentioned are the Interest Rates with effective from 22nd June 2026
| Tenure | Interest Rate (p.a.) |
| 6-9 months | 5.50% |
| 12-21 months | 7.25% |
| 24 months | 7.80% |
| 27-36 months | 7.25% |
| 39-42 months | 7.55% |
| 45-60 months | 7.20% |
| 63-120 months | 6.50% |
*Disclaimer clause:
“Interest rates are subject to periodic changes and the applicable interest rates will be given based on the date and time of receipt of the funds by the Bank"
NRE* - Term Deposits
Below mentioned are the Interest Rates with effective from 22nd June 2026
Term Deposits | Interest Rate (p.a.) (Below ₹ 3 Crores) |
1 Year to < 2 years | 7.25% |
2 Years | 7.80% |
2 Year 1 day - 3 Year | 7.25% |
3 Year 1 Day – 3 year 6 months | 7.55% |
>3 Year 6 months- 5 Years | 7.20% |
5 Years 1 day | 7.30% |
5 Years 2 Days | 6.50% |
*Please Note:
No additional interest rates for senior citizen
- Minimum Tenure for NRE Deposit is 1 year
- In case of pre-closure within 1 year no interest shall be paid and no penalty would be levied
- In case of part withdrawal within 1 year no interest shall be paid on the amount partially withdrawn and no penalty would be levied
Tax Saver FD
Below mentioned are the Interest Rates with effective from 22nd June 2026
| Tenure | Interest Rate (*p.a) |
| 5 years | 7.20% |
Bulk Deposit Rates
Click here to view the latest bulk deposit interest rates.
Savings Account
Below mentioned are the Interest Rates with effective from 05th June 2026
Account balance | Rate of Interest (p.a.) |
Up to ₹ 3 lakh | 2.50% |
> ₹3 lakh to ₹5 lakhs | 3.00% |
> ₹5 lakhs to ₹25 lakhs | 6.50% |
> ₹25 lakh to ₹25 Crore | 6.75% |
> ₹25 Crore | 7.15% |
Please write to customercare[at]ujjivan[dot]bank[dot]in to know more.
* Important Points: No Additional Interest Rate for Senior Citizens
* Calculation Methodology applicable for Savings Accounts:
- Interest is calculated on day-end balances maintained in the savings account and paid out on a monthly basis
- The higher interest rate will be applied and paid only basis the balances maintained as per slabs.
Ex: If a customer maintains ₹ 3,20,000/- in the savings account, 2.50% interest will be earned for ₹ 3,00,000/- and 3.00% interest will be earned for the remaining ₹ 20,000/-
₹1 Thousand
Principal amount₹1,00,000.00
*Interest is calculated on a monthly basis.₹212.00
Monthly interest amount
*The above interest calculation shown is indicative, the actual interest paid out may vary.
*Interest Rates Up to ₹ 3 lakh - 2.50% p.a. | Above ₹3 lakh to ₹5 lakhs- 3.00% p.a. | Above ₹5 lakhs to ₹25 lakhs - 6.50% p.a. | Above ₹25 lakh to ₹25 Crore - 6.75% p.a. | Above ₹25 Crore - 7.15% p.a.
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