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Top Benefits of our Online FDs
Minimal Requirements
Aadhaar card
PAN Card "Physical PAN required for VKYC"
Mobile number linked with Aadhaar
FD Calculator
Find out the interest you will earn on your Fixed Deposits and plan your investments better!
Min ₹1000Max ₹2.99Cr
YY
MM
DD
* At Maturity to be selected for tenure <= 180 Days
Latest Interest Rates
Below mentioned are the Interest Rates with effective from 22nd June 2026
| Tenure | Interest Rate |
|---|---|
| 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% |
How to Open an Online Fixed Deposit?
Are you a new customer?
You should be a resident individual of 18 years of age or above to open an Online FD.
You will need the following documents: Aadhaar Card, PAN card "Physical PAN required for VKYC" and mobile number linked to your Aadhaar Card.
Are you an existing customer?
You can book an FD instantly online from any of your bank account.
FAQs
A Fixed deposit is an investment option offered by the banks where an investor can deposit a lump sum of money for a fixed period of time and earn a guaranteed return as interest. The fixed deposit tenure can range from a few days to several years and the interest are typically higher that Savings Account
Fixed deposits are considered to be a safe investment option as they are backed by the deposit insurance guarantee scheme of the Reserve Bank of India, which provides insurance coverage of up to INR 5 lakhs per depositor per bank.
An Online fixed deposit is a type of fixed deposit that can be opened online through a digital platform provided by the bank. It is a paperless alternative to traditional fixed deposits, which require physical documents and in-person visits to the bank.
Digital FDs are great for anyone who wants a safe and secure avenue of investment that they access from anywhere through any device - their laptop or their mobile!
They are non-market-linked instruments and are ideal for risk-averse investors who want to build a corpus for their future, beat inflation, and keep their money safe from market fluctuations.
Fixed Deposits are one of the safest and most reliable investment options. Digital FDs are non-market-linked instruments, which means the returns they provide do not depend on any capital market involvement. Since the interest rates on Digital FD is pre-fixed, there is no element of surprise or risk.
You can open a Digital FD as long as
You are a resident Indian of 18 years of age or above.
You have a valid Aadhaar and PAN card "Physical PAN required for VKYC"
You have a working mobile number linked to Aadhaar
Ujjivan SFB offers additional benefits to Senior Citizens, i.e. those who are 60 years of age or older. If you are a Senior Citizen you can earn an additional interest rate with our Online Fixed Deposits!
No, you can open a Online FD without having a Ujjivan SFB savings account. You may use your existing savings bank account from any other bank to fund your Digital FD.
The minimum amount needed to open a online fixed deposit with Ujjivan SFB is ₹1,000.
The maturity range for Online Fixed Deposits is very flexible. Investors can choose from maturity periods as less as 6 months and as high as 10 years.
The interest rates depend on the tenure of the Online Fixed Deposit. Go to our Latest Interest Rates section to check out the interest rates that are applicable for various tenures.
With our Online Fixed Deposits, you can choose from the following interest payout options -
Quarterly
At Maturity (Quarterly Compounded)
Opening a Digital Fixed Deposit is easy! Just Keep your Aadhaar Card, PAN Card and the mobile number linked to Aadhaar Card handy!
Opening a Digital Fixed Deposit is a completely online process. It involves 6 steps and takes just a few minutes
Step 01
Enter your mobile number, PAN and Aadhaar
Step 02
Enter Deposit details and complete the payment
Step 03
Provide personal details
Step 04
Complete Video KYC (08:00 AM To 8:00 PM). Physical PAN required for VKYC
Step 05
Receive FD receipt and maximize your returns!
Yes, premature withdrawal is allowed in Digital FDs through our branches with penalty as applicable. For more details on premature withdrawal you can connect with us on Toll Free Number - 1800 208 2121
The workings of a Digital FD are simple. When your Online FD matures, the principal deposit amount and the interest accumulated (if any) will be credited to your chosen savings account.
Opening a Online Fixed Deposit is very easy! Follow the below steps:
Enter your mobile number, PAN and Aadhaar
Enter Deposit details and complete the payment
Provide personal details
Complete Video KYC (08:00 AM To 8:00 PM). Physical PAN required for VKYC
Receive FD receipt and maximize your returns!
Video KYC will be available from 08:00 AM To 08:00 PM
Yes, you can book additional FDs once the first FD is booked.
No. As you have a Digital Savings Account you will not be able to book a Online Fixed Deposit. After full KYC, you can use Our Mobile Banking, Internet Banking Service or give us a call at our Toll Free number – 1800 208 2121 for future FDs
No. As you have a Digital Savings Account you will not be able to book a Online Fixed Deposit. After full KYC, you can use Our Mobile Banking, Internet Banking Service or give us a call at our Toll Free number – 1800 208 2121 for future FDs