Ujjivan Small Finance Bank FD Rates
Ujjivan Small Finance Bank FD rates currently range from 3.50% p.a. to 7.90% p.a. across its domestic, NRO, NRE and Platina deposit schemes, for tenures between seven days and ten years. Senior citizens earn an additional 0.50% p.a. on eligible domestic fixed deposits.
Table of Contents
- Domestic Interest Rates (Less than Rs.3 crore)
- NRO FD Interest Rates (Less than Rs.3 crore)
- Platina FD Interest Rates (Rs.1 crore to less than Rs.3 crore) - NRO, NRE, and Domestic
- Interest Rates for Ujjivan Small Finance Bank Tax Saver FD
- Ujjivan Small Finance Bank NRE Fixed Deposit Interest Rates for Below Rs.3 Crore
- Factors Influencing Ujjivan Small Finance Bank Fixed Deposit Rates
- Calculating Ujjivan Small Finance Bank FD Interest Rates
- Summary
Domestic Interest Rates (Less than Rs.3 crore)
These are the interest rates for domestic term deposits:
Tenure | Interest Rate per annum under Rs.3 crore |
7 days to 29 days | 3.50% |
30 days to 89 days | 4.15% |
90 days to 179 days | 4.65% |
180 days / 6 months to < 1 year | 6.00% / 5.50% |
12 months < 24 months | 7.25% |
2 years | 7.55% |
2 years 1 day to 3 years | 7.25% |
3 years 1 day to 3 years 6 months / >3 years 6 months to 5 years | 7.80% / 7.20% |
5 years 1 day / 5 years 2 days to 10 years | 7.30% / 6.50% |
Note: The rates are also safe for Sampoorna Nidhi deposit scheme and the rates are effective from 1 September 2026.
NRO FD Interest Rates (Less than Rs.3 crore)
Tenure | Interest rate per annum under Rs.3 crore |
7 days to 29 days | 3.50% |
30 days to 89 days | 4.15% |
90 days to 179 days | 4.65% |
180 days / 6 months to < 1 year | 6.00% / 5.50% |
1 year to < 2 years | 7.25% |
2 years | 7.55% |
2 years 1 day to 3 years | 7.25% |
3 years 1 day to 3 years 6 months / >3 years 6 months to 5 years | 7.80% / 7.20% |
5 years 1 day / 5 years 2 days to 10 years | 7.30% / 6.50% |
Note: Rates effective from 1 September 2026.
Ujjivan Small Finance Bank does not offer the additional senior citizen interest rate on NRO fixed deposits.
Platina FD Interest Rates (Rs.1 crore to less than Rs.3 crore) - NRO, NRE, and Domestic
Tenure | Interest rate per annum under Rs.3 crore |
12 Months to < 24 months | 7.35% |
24 months | 7.65% |
2 years 1 day to 3 years | 7.35% |
3 years 1 day to 3 years 6 months / >3 years 6 months to 5 years | 7.90% / 7.30% |
Note: The interest rates given above are effective from 1 September 2026.
The Platina fixed deposit is non-callable, so premature withdrawal is not permitted, and it does not carry the additional senior citizen interest rate.
Interest Rates for Ujjivan Small Finance Bank Tax Saver FD
Ujjivan Bank Tax Saver Fixed Deposit gives you a tax exemption for a maximum deposit of Rs.1.5 lakh per financial year with attractive interest rates and interest payout options on a monthly or quarterly basis or on maturity.
Given below are the interest rates with effect from 1 September 2026.
Maturity Period | General Public FD interest rate (per annum) |
5 years | 7.20% p.a |
*The interest rates are subject to change as per the discretion of the bank.
Ujjivan Small Finance Bank NRE Fixed Deposit Interest Rates for Below Rs.3 Crore
Given below are the NRE fixed deposit interest rates effective from 1 September 2026.
Tenure | Interest Rate per annum Rs.3 crore |
12 months to < 24 months | 7.25% |
24 months | 7.55% |
2 years 1 day to 3 years | 7.25% |
3 years 1 day to 3 years 6 months / >3 years 6 months to 5 years | 7.80% / 7.20% |
Note: The interest rates are effective from 1 September 2026. Ujjivan Small Finance Bank no longer offers NRE fixed deposits beyond a tenure of 5 years, so the tenure above marked in red is no longer available.
Factors Influencing Ujjivan Small Finance Bank Fixed Deposit Rates
A bank's fixed deposit rates are influenced by several factors such as:
- Deposit Tenure: Medium-term and long-term deposit tenures often have higher interest rates than short-term tenures.
- Depositor's age: Additional interest rate is often offered to those above the age of 60 years.
- Economic conditions: The prevailing national and global economic conditions play a role in changing interest rates.
- Premature withdrawal: Ujjivan Small Finance Bank's fixed deposits are generally callable, so you can withdraw before maturity, though a penalty applies if you close the deposit within the first few months of booking.
Calculating Ujjivan Small Finance Bank FD Interest Rates
You can decide which is the best tenure for your deposit by calculating how much interest will be accumulated by the interest rates of different tenures.
Knowing how much your FD amount will be at maturity can be done easily using an online FD interest rate calculator. All you have to do is enter the deposit amount you wish to invest, the tenure you wish to compare, and the relevant interest rates.
Summary
Ujjivan Small Finance Bank offers domestic, NRO, NRE, Platina and Tax Saver fixed deposits with tenures from seven days to ten years, and rates that vary by scheme and tenure. Senior citizens earn a higher rate on eligible domestic deposits, while the Tax Saver FD offers a Section 80C deduction on a five-year lock-in. Compare the tables above and use an FD calculator to choose the tenure and scheme that suits your savings goal.
FAQs on Ujjivan Small Finance Bank Interest Rates
1.What is an Ujjivan Small Finance Bank fixed deposit?
An Ujjivan Small Finance Bank fixed deposit is a savings instrument that lets you invest a lump sum with the bank for a fixed tenure at a pre-agreed interest rate. Ujjivan Small Finance Bank offers domestic, NRO, NRE, Platina and Tax Saver FD variants, with tenures ranging from a few days to ten years. The interest rate you earn depends on the tenure and scheme you choose.
2.What is the difference between a domestic and an NRO fixed deposit with Ujjivan Small Finance Bank?
A domestic Ujjivan Small Finance Bank fixed deposit is meant for resident Indian depositors, while an NRO fixed deposit lets non-resident Indians hold their India-sourced income, such as rent or dividends. Both follow a broadly similar tenure structure, but Ujjivan Small Finance Bank does not offer the senior citizen interest rate benefit on NRO deposits. The applicable rate depends on the tenure you select, as shown in the tables above.
3. What is a Platina fixed deposit from Ujjivan Small Finance Bank?
The Platina fixed deposit is a premium Ujjivan Small Finance Bank FD scheme meant for larger deposit amounts, available in domestic, NRO and NRE variants. It is a non-callable deposit, so premature withdrawal is not permitted, and it does not carry the additional senior citizen interest rate. You can compare its rates against the standard domestic FD in the tables above.
4. What is the Ujjivan Small Finance Bank Tax Saver fixed deposit?
The Ujjivan Small Finance Bank Tax Saver FD is a five-year lock-in fixed deposit that qualifies for a tax deduction under Section 80C of the Income Tax Act. You can invest up to Rs.1.5 lakh in a financial year in this scheme and choose a monthly, quarterly or at-maturity interest payout. Premature withdrawal is not allowed during the lock-in period.
5.Who can open an NRE fixed deposit with Ujjivan Small Finance Bank?
A Non-Resident External fixed deposit with Ujjivan Small Finance Bank can be opened by non-resident Indians to park their foreign earnings in India, with both principal and interest freely repatriable. The minimum tenure for an Ujjivan Small Finance Bank NRE FD is one year, and the bank does not offer the additional senior citizen interest rate on this scheme. Interest rates vary by the tenure chosen, as listed in the NRE rate table above.
6.Does Ujjivan Small Finance Bank offer an additional interest rate to senior citizens?
Yes, Ujjivan Small Finance Bank offers an additional interest rate to senior citizens on its domestic fixed deposits and the Sampoorna Nidhi scheme. This senior citizen benefit does not extend to NRO, NRE or Platina fixed deposits. The exact additional rate is shown alongside the domestic FD rate table above.
7.What factors influence Ujjivan Small Finance Bank fixed deposit rates?
Ujjivan Small Finance Bank fixed deposit rates are influenced by the deposit tenure, with medium and long-term deposits generally earning more than short-term ones. Your age also plays a role, since senior citizens usually receive a higher rate on eligible schemes. Broader economic conditions further influence how the bank prices its fixed deposits.
8.How can I calculate the maturity value of my Ujjivan Small Finance Bank FD?
You can calculate the maturity value of your Ujjivan Small Finance Bank FD using an online FD calculator by entering the deposit amount, tenure and applicable interest rate. This helps you compare returns across different tenures before you invest. The calculator gives you an estimate of the interest earned along with the total maturity amount.
9.What interest payout options does Ujjivan Small Finance Bank offer on its fixed deposits?
Ujjivan Small Finance Bank lets you choose how you receive interest on your fixed deposit, with options that typically include monthly, quarterly and at-maturity payouts. You can pick the option that best matches your income needs when you book the FD. The at-maturity option pays out the accumulated interest along with the principal when the deposit matures.
10.What is the minimum amount required to open an Ujjivan Small Finance Bank FD?
The minimum amount required to open an Ujjivan Small Finance Bank fixed deposit is a modest sum that makes the scheme accessible to most depositors, and it can vary slightly by FD variant. You can confirm the exact minimum deposit amount on the official Ujjivan Small Finance Bank FD application page before you invest. This applies across the domestic, NRO, NRE and Tax Saver fixed deposits.
11.Can I withdraw my Ujjivan Small Finance Bank fixed deposit before maturity?
Yes, most Ujjivan Small Finance Bank fixed deposits are callable, which means you can withdraw them before maturity if needed. A penalty applies if you close the FD within the first few months of booking, and the Platina fixed deposit is a non-callable exception that does not allow premature withdrawal at all. Check the specific terms for your chosen FD variant before you invest.
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