Sampoorna Nidhi

Add an extra layer of cushion to your financial life with Ujjivan SFB Sampoorna Nidhi. This FD scheme lets you earn higher interest rates up to 7.80%* p.a. with an additional 0.50%* p.a. for senior citizens. The interest you earn gets directly credited to your savings account every month. Select the tenure of your choice and generate a second source of income with Sampoorna Nidhi Fixed Deposit

Key Features of Ujjivan SFB Sampoorna Nidhi

Deposit tenure of 12 months to 60 months, and in multiples of 12 months

24/7 customer care facility

Minimum deposit of ₹25,000 and in multiples of ₹1,000 thereof

Make a deposit directly from your Ujjivan SFB Savings or Current Account

Monthly interest income deposited to your linked Ujjivan SFB Savings or Current Account

Renew your deposit automatically on maturity

Top Benefits of Ujjivan Sampoorna Nidhi

High interest rates up to 7.80% * p.a.
Premature closure without penalty after 6 months of account opening
0.50%* p.a. additional interest rate for senior citizens
Open account through any Ujjivan SFB branch or online
Sampoorna Nidhi advice delivered on registered email ID within 24 hours of account opening

Minimal Requirements

PAN card
Aadhaar card
Customer consent on an account opening form

FD Calculator

Find out the interest you will earn on your Fixed Deposits and plan your investments better!

What kind of customer are you?

How do you want interest to be paid to you?

How much are you planning to invest?

Min ₹1000Max ₹2.99Cr

How long do you want to invest?

YY/MM/DD

Days Only

YY

MM

DD

* At Maturity to be selected for tenure <= 180 Days

Disclaimer: The data generated herein is completely and solely based on the information/details provided by you and such information and the resultant data is provided only for user's convenience and information purposes. Ujjivan SFB does not guarantee accuracy, completeness or correct sequence of any the details provided therein and therefore no reliance should be placed by the user for any purpose whatsoever on the information contained / data generated herein or on its completeness / accuracy.

The use of any information set out is entirely at the User's own risk. User should exercise due care and caution (including if necessary, obtaining of advice of tax/ legal/ accounting/ financial/ other professionals) prior to taking of any decision, acting or omitting to act, on the basis of the information contained / data generated herein. Ujjivan SFB does not undertake any liability or responsibility to update any data. No claim (whether in contract, tort (including negligence) or otherwise) shall arise out of or in connection with the services against the bank. Neither Ujjivan SFB nor any of its agents or licensors or group companies shall be liable to user/ any third party, for any direct, indirect, incidental, special or consequential loss or damages (including, without limitation for loss of profit, business opportunity or loss of goodwill) whatsoever, whether in contract, tort, misrepresentation or otherwise arising from the use of these tools/ information contained / data generated herein.

How to Open a Sampoorna Nidhi Account Online

Want to invest in Ujjivan SFB Sampoorna Nidhi? Follow these simple steps to open the account online:

If you are a new customer

Visit Ujjivan SFB Sampoorna Nidhi page
Select 'New Customer' and complete your KYC
Enter FD details - amount, tenure, payout frequency, etc.
Pay for your deposit online
That's it! Relax and let your money work for you.

If you are an existing customer

If you are an existing Ujjivan SFB customer, you can open the Sampoorna Nidhi account through any of the following methods -

Internet banking
Mobile banking application
Give a missed call at 799 666 6663
Visit the nearest bank branch
Visit the online FD page and complete your KYC

Choose the online process, and the bank will send you the FD receipt to your registered email ID within 24 hours.

Need assistance? Call our 24/7 customer support for assistance or visit your nearest branch.

Ujjivan SFB Sampoorna Nidhi 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%

Am I Eligible for Sampoorna Nidhi?

Check out our eligibility criteria before applying:

Status - Individuals having an existing Savings or Current Account with Ujjivan SFB

Nationality - Resident Indians

Minimum deposit - ₹25,000 and in multiples of ₹1000 thereof

Minimum tenure - 12 months to 60 months and in multiples of 12 months thereof

Age - No minimum age requirement

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FAQs

Yes, you need to have an existing Ujjivan SFB savings account to apply for Sampoorna Nidhi. The FD account will be funded through your r Savings or Current Account, and the interest will also be credited there.

Ujjivan SFB may change the interest rate at its sole discretion. However, such changes will not affect your deposit interest rate.

Premature withdrawal means closing the fixed deposit account before the chosen tenure comes to an end. Ujjivan SFB Sampoorna Nidhi allows premature withdrawals after a period of 6 months from the date of opening the account.

The Ujjivan Small Finance Bank Sampoorna Nidhi FD is meant only for resident Indians. As such, NRIs cannot invest in the scheme.

Once you open the Sampoorna Nidhi FD account online, the FD advice will be emailed to your registered ID within 24 hours.

Any resident of India having a current or savings account with Ujjivan Small Finance Bank can opt for this scheme. Please note that there is no minimum age requirement to open this account.

Yes, senior citizens can get an additional interest of 0.50%* p.a. on their deposits with the Ujjivan Small Finance Bank Sampoorna Nidhi FD account.

The interest income will be treated as taxable income based on your income tax slab. However, if you are a senior citizen, i.e., aged 60 years and above, you can claim a tax deduction of up to ₹50,000 on the interest income under Section 80TTB of the Income Tax Act of 1961.

The Sampoorna Nidhi FD calculates the interest income on a monthly basis and deposits the same to your linked Savings or Current Account. This creates a regular and guaranteed monthly income for depositors.

The minimum deposit amount is ₹25,000 and in multiples of ₹1,000 thereof. For further assistance, please call our customer care toll free number - 1800 208 2121.