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Fixed Deposit (FD) Interest Rates
Enjoy attractive interest rates of up to 7.80%*p.a. on Fixed Deposits with Ujjivan Small Finance Bank. Senior citizens can benefit from an additional 0.50%* interest rate. Choose a tenure ranging from 7 days to 10 years and start growing your savings today. Check the latest FD rates and book your Fixed Deposit now!
Domestic Fixed Deposit and Sampoorna Nidhi Interest Rates
Ujjivan Small Finance Bank offers competitive Fixed Deposit (FD) interest rates for both general customers and senior citizens. Seniors enjoy an additional 0.50% interest rate on top of the standard FD rates. The table below provides interest rates for deposits below ₹3 crore.
Note: These Fixed Deposits are callable, allowing premature withdrawals in emergencies. 1% penalty applies if withdrawals are made within six months of deposit.
Fixed Deposit Interest Rates (Effective 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% |
Disclaimer: 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.
You can find additional disclosures here.
Platina Fixed Deposit – Domestic and NR Fixed Deposit Interest Rates
Platina Fixed Deposit is a premium product offering higher returns for deposits between ₹1 crore to below ₹3 crore.
Interest Rates (Effective 22nd June 2026)
Tenure | Interest Rate (p.a.) |
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: 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.
You can find additional disclosures here.
Key Points for Platina Fixed Deposits:
Non-callable: No pre-closure or part-closure allowed.
Deposit amount should be above ₹1 crore to below ₹3 crores.
Tenures from 12 months to 60 months with monthly, quarterly, or maturity pay-outs.
NRIs are eligible to book Platina Fixed Deposit
Not eligible for additional senior citizen rates.
NRI Fixed Deposit Interest Rates
Ujjivan Small Finance Bank offers specially curated NRI Fixed Deposits. Refer to the tables below for NRO and NRE deposit rates.
NRO Fixed Deposit Rates (Effective 22nd June 2026)
Tenure | Interest Rate (p.a.) |
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% |
Disclaimer: 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.
You can find additional disclosures here.
Key Points for NRO Fixed Deposit:
No additional rates for senior citizens
NRE Fixed Deposit Rates (Effective 22nd June 2026)
Term Deposits | Interest Rate (p.a.) |
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% |
Disclaimer: 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.
You can find additional disclosures here.
Key Points for NRE Fixed Deposit Rates
No additional interest rates for senior citizens
Minimum tenure is 1 year
In case of pre-closure within 1 year, no interest shall be paid. Additionally, 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 Fixed Deposit
The Tax Saver Fixed Deposit allows you claim tax deduction up to ₹1.5 lakh under Section 80C of the Income Tax Act, 1961.
Below mentioned are the Interest Rates with Effect from 22nd June 2026
Tenure | Interest Rate |
|---|---|
5 years | 7.20% |
Disclaimer: 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.
You can find additional disclosures here.
Key Points for Tax Saver Fixed Deposit
Lock-in period of 5 years
Only those who have opted for old tax regime can claim tax benefit
FD Calculator
Find out the interest you will earn on your Fixed Deposits and plan your investments better!
Min ₹1000Max ₹2.99Cr
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* At Maturity to be selected for tenure <= 180 Days
Features and Benefits of Ujjivan Fixed Deposits
- Attractive interest rates with flexible tenures.
- Senior citizens earn an additional 0.50%* interest.
- Deposits insured up to ₹5 lakh under DICGC.
- Multiple pay-out options: monthly, quarterly, or maturity.
- Tailored FDs for NRIs.
- Multiple products to cater to your financial goals.
FAQs
You can earn up to 7.80%* p.a. for a 24-month FD. Senior citizens get an additional 0.50%*. Please note that interest rates are subject to change.
Yes, if interest earned on FD in financial year exceeds ₹ 50,000 (for general citizen) / ₹ 1,00,000 (for senior citizen), then the bank will deduct tax.
No, Tax Saver FDs have a mandatory 5-year lock-in period.
Staying invested for the long-term could help you earn higher returns. Use our FD calculator to compare tenure and returns and invest accordingly.
*T&C Apply.
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