UCO Bank FD Calculator 2026
The UCO Bank fixed deposit calculator helps you in getting an estimate of the interest amount you will earn on the amount deposited in the UCO Bank fixed deposit.
You can use the calculator on the BankBazaar website or the UCO Bank website.
FD Interest rates offered by UCO Bank range from 2.90% p.a. to 6.45% p.a. for the general public with up to 0.50% additional interest rate offered to senior citizens.
Compare UCO Bank FD Calculator with BankBazaar
- Step 1: Visit the BankBazaar website
- Step 2: Select the type of deposit, fixed deposit, interest rate, tenure, and deposit amount.
- Step 3: Choose 'Calculate'.
- Step 4: You will see the interest that you will earn and also the maturity amount.
How to Use UCO Bank Fixed Deposit Calculator
The formula is:
A = P(1+r/n)^nt
- A = the maturity amount
- P = the amount you have invested
- r = the rate of interest
- n = the number of times the interest has been compounded
- t = the tenure of your deposit
Benefits of UCO Bank Fixed Deposit Calculator
- It generates results immediately.
- You can avoid the hassle of manual calculation.
- The interface of the calculator is easy to understand.
UCO Bank Domestic Term Deposit Rates: Below Rs.3 crore
Maturity Period | General Public (p.a.) | Senior Citizens (p.a.) |
7 Days to 14 Days | 2.90% p.a. | 3.15% p.a.* |
15 Days to 29 Days | 2.90% p.a. | 3.15% p.a. |
30 Days to 45 Days | 3.00% p.a. | 3.25% p.a. |
46 Days to 60 Days | 3.50% p.a. | 3.75% p.a. |
61 Days to 90 Days | 3.50% p.a. | 3.75% p.a. |
91 Days to 120 Days | 4.25% p.a. | 4.50% p.a. |
121 Days to 150 Days | 4.25% p.a. | 4.50% p.a. |
151 Days to 180 Days | 4.75% p.a. | 5.00% p.a. |
181 Days to 364 Days | 5.00% p.a. | 5.25% p.a. |
1 Year | 6.10% p.a. | 6.60% p.a.** |
Above 1 Year to 443 Days | 6.10% p.a. | 6.60% p.a. |
444 Days | 6.45% p.a. | 6.95% p.a. |
445 Days to 2 Years | 6.10% p.a. | 6.60% p.a. |
Above 2 Years to 3 Years | 6.00% p.a. | 6.50% p.a. |
Above 3 Years to 5 Years | 6.00% p.a. | 6.50% p.a. |
Above 5 Years | 6.00% p.a. | 6.50% p.a. |
*Senior citizens receive an additional 0.25% over the general FD rate for a tenure of up to 1 year.
**Senior citizens receive an additional 0.50% over the general FD rate for tenures exceeding 1 year.
Note: The UCO Bank FD interest rates are subject to change at the discretion of the bank. These interest rates are effective from 1 April 2026.
FAQs on UCO Bank Fixed Deposit Calculator
- What is the highest interest rate of fixed deposit by UCO Bank?
The highest rate of interest on FD offered by UCO Bank to general public is 6.45% p.a. and for senior citizen is 6.95% p.a.
- What is the time period for a fixed deposit at UCO Bank?
The time period for a fixed deposit at UCO Bank ranges between seven days to ten years.
- What is the penalty for premature closure of FD at UCO Bank?
UCO Bank allows premature withdrawal of FD and offers interest at 1.00% below the regular rates a penalty.
- What is the credit facility against fixed deposits?
Yes, the credit facility against the UCO Bank fixed deposit scheme is available for 90% of the deposit amount.
- What is the additional advantage of FDs for senior citizens?
The UCO Bank offers an additional interest rate of 0.25% p.a. for tenures up to 1 year and 0.50% p.a. for tenures above 1 year to senior citizens.
- Do I need to pay any fee to use the UCO Bank FD calculator?
No, you need not pay any fee to use the UCO Bank FD calculator, as these online calculators are available free of cost.
- Are UCO Bank FD returns taxable?
Yes, UCO Bank FD returns are taxable, as interest is added to your income and will be charged as per the applicable income tax slab rate.
- What are the details required to use UCO Bank FD calculator?
To use the UCO Bank FD calculator, you need to enter some of the vital details, such as principal amount, FD tenure, interest rate, and interest pay out option.
- Is TDS deducted on FD Interest?
Yes, TDS (Tax Deducted on Source) is deducted on the interest earned from the FD if the interest amount exceeds the threshold value. Depositors can avoid paying the TDS by submitting the Form 15G/15H to the bank.
- Can I withdraw interest before maturity?
Yes, the interest earned on UCO Bank FD scheme can be withdrawn before maturity through different interest pay out options, such as monthly, quarterly, half-yearly, or annually. But the principal value can be withdrawn post maturity.
- Can I change the FD tenure after investing?
No, you cannot change the UCO Bank FD tenure after investing. The tenure set while opening the FD account cannot be changed during the FD scheme.
- How is interest on UCO Bank FD calculated on the online calculator?
The interest for the UCO Bank FD is calculated on the online calculator using two interest payout option, such as Simple Interest and Compound Interest, and the interest earned along with the maturity value will be displayed after entering the required details.
- What is t in the fixed deposit calculator?
t = the tenure of your deposit.
- Is UCO Bank safe for fixed deposit?
Yes, it is safe to invest in UCO Bank fixed deposit scheme as the deposit under the bank is insured under the Deposit Insurance and Credit Guarantee Corporation (DICGC).
- How much interest does a senior citizen get?
A senior citizen gets up to 0.5% more than the general public.
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