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    United Bank of India Fixed Deposit Rates
     and 2 other FDs
    Institution Name
    Deposit Amount Range
    Tenure Range
    Interest Rate
    Up to ₹1Cr
    7 Days to 10 Years
    4% - 6.75% Quarterly compounding
    Response Time Within 30 minutes
    Features
    Documents
    Good to Know
    Up to ₹25L
    1 Year to 5 Years
    7.75% - 8.6% Monthly compounding
    Response Time Within 30 minutes
    Features
    Documents
    Good to Know
    Up to ₹25L
    1 Year to 5 Years
    7.49% - 8.28% Monthly compounding
    Response Time Within 30 minutes
    Features
    Highlights
    Documents
    Good to Know
    United Bank of India Fixed Deposit Rates is Rated as "Great!" by 11 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Fixed Deposit BYTES FROM OUR KITCHEN

    United Bank of India Fixed Deposit Rates

    United Bank of India (UBI) is a nationalised bank that was established back in 1914. UBI fixed deposits (FDs) offer competitive interest rates and flexible tenure options. Prospective depositors can also choose from the different types of maturity periods on UBI term deposits. The time deposit interest rates offered ranges from 4.00% per annum (p.a) to 6.10% p.a. All senior citizens will be eligible to avail an additional 0.50% interest p.a. on all FD schemes that are offered by the bank.

    Given below is the revised list of UBI fixed deposit interest rates for regular individuals and senior citizens: 

    Tenure Regular FD rate (per annum) Senior Citizen FD Rate (per annum)
    7 days to 60 days 4.00% 4.50%
    61 days to 90 days 4.50% 5.00%
    91 days to 180 days 5.00% 5.50%
    181 days to 269 days 5.75% 6.25%
    270 days to less than 1 year 6.00% 6.50%
    1 year 6.10% 6.60%
    1 year and above 6.00% 6.50%

    *The above mentioned rates are applicable for deposits worth up to Rs.1 crore.

    UBI short-term FD rates

    • The UBI FD interest rate for short-term deposits range from 4.00% p.a. to 6.00% p.a.
    • The tenure range in this slot begins from a minimum of 7 days and a maximum of 364 days (less than 1 year).
    • The highest rate paid for short-term UBI FDs is 6.00% p.a. for a tenure that ranges from 270 days to less than 1 year.
    • The second best rate of 5.75% p.a is paid for an investment duration of 181 days to 269 days.
    • For 91 days to 180 days, the rate paid is 5.00% p.a. and for 61 days to 90 days the bank rate is 4.50% p.a.
    • For a tenure that ranges from 7 days to 60 days, the rate paid is 4.00% p.a.
    Minimum and Maximum United Bank fd interest rates 2018 for Regular and Senior Citizen
    United BankFD Rates

    UBI medium-term FD rates

    • For medium-term deposits, the investment period is 1 year to 5 years.
    • The bank rate that is paid for this type of deposit  is 6.10% p.a.
    • Investors looking for tax benefits can go for tax saver time deposits in this slot to gain benefits under Section 80C of the Income Tax Act.
    • The rate of interest that is offered on tax saver FDs will also be 6.10% p.a.

    UBI long-term FD rates

    • The rate of interest that will be paid for all long-term deposits is 6.00% p.a.
    • The tenure range for this type of deposit scheme will be above 5 years
    • This is a type of investment option that is safe and ideal for those who want to save money for the long-term.

    UBI senior citizen FD rates

    • Those who are 60 years and above will fall in the senior citizen category and will become eligible for a much higher rate of interest
    • The interest rate paid for senior citizens ranges from 4.50% p.a. to 6.60% p.a.
    • Pensioners can get the highest FD rate of 6.60% p.a. for investing for a period of 1 year
    • Any investment for more than  181 days will fetch the deposit holder an interest rate of more than 6.00% p.a.
    • For 270 days to less than 1 year, the rate of interest paid is 6.50% p.a.

    Know how to Link Your KYC Dcuments to United Bank Account

    United Bank of India Fixed Deposit Reviews

    • United Bank Fixed Deposit
      "Its a fine process"
      0.5 4.0/5 "Great!"
      In the recent past, I had opened my FD with UNITED INDIA.. This UNITED INDIA is a very good bank. This was opened by my Father and I am continuing with this FD. This is basically a long term deposit and I am not getting any no tax benefit too. But to conclude it is much better than other banks.
      Was this review helpful? 2
      , asansol
      Reviewed on Nov 04, 2016
    • United Bank Fixed Deposit
      "Good!!"
      0.5 3.0/5 "Satisfactory"
      The fixed deposit from the United bank of India is not good. The executive of the banks are very lazy and they have no much idea about the the banking and also what are the interest rates if I make a fixed deposit for 5 years. The executive are not interested for the customers and they donâ??t give proper attention to the customers.
      Was this review helpful? 10
      , guwahati
      Reviewed on Aug 06, 2015
    • United Bank Fixed Deposit
      "Average!!"
      0.5 4.0/5 "Great!"
      The Fixed deposit account from the United Bank of India is good. The rate of interest offered is 8% for the deposit. The services are not upto the mark as it is a public sector bank. The response is good if we approach the bank directly for any issues.
      Was this review helpful? 7
      , bangalore
      Reviewed on Jul 29, 2015
    • United Bank Fixed Deposit
      "Really Average"
      0.5 3.0/5 "Satisfactory"
      I have fixed deposit with the United Bank of India.The rate of interest was around 7.5% for the 2 years of time.The interest will not be compounded and it will stay long till the maturity period.The service is really okay kind of service.Online tracking is worst like anything.The servers are slow and its not at all user friendly.
      Was this review helpful? 4
      , kolkata
      Reviewed on Jul 01, 2015
    • United Bank Fixed Deposit
      "Good"
      0.5 5.0/5 "Blown Away!"
      The Fixed deposit from United Bank of India is good. The service offered by this bank is good and they respond to all my queries whenever I approach the bank. The agent had come home and he explained about the fixed deposit plan and that is the reason I had taken. I get interest for the deposit for every year and so far no issues.
      Was this review helpful? 4
      , kolkata
      Reviewed on Jun 19, 2015
    • United Bank Fixed Deposit
      "Review on Fixed deposit"
      0.5 3.5/5 "Pretty good"
      I think United Bank of India is providing same interest rate for Fixed deposit which other banks are offering and it is around 8.5%. For liquidation of amount they are taking 3 days so it should be reduced. Internet banking is not much efficient and not user friendly so I opened FD by visiting the branch
      Was this review helpful? 2
      , ahmedabad
      Reviewed on Mar 23, 2015
    • United Bank Fixed Deposit
      "Excellent..."
      0.5 4.0/5 "Great!"
      I think United Bank of India is providing same interest rate for Fixed deposit which other banks are offering and it is around 8.5%. For liquidation of amount they are taking 3 days so it should be reduced. Internet banking is not much efficient and not user friendly so I opened FD by visiting the branch.
      Was this review helpful? 7
      , kolkata
      Reviewed on Mar 13, 2015
    • United Bank Fixed Deposit
      "Its fine"
      0.5 3.0/5 "Satisfactory"
      I have been holding this United Bank of India fixed deposit account since 2006.I have planned to switch over to another plan as there was no or little support from them. I have personally visited the Branch for taking this deposit. The interest rate offered by them was 9% which is for a period of 8 to 9 years which is not good. The reason why I have chosen this bank is because its easy for me to transfer funds from my savings account to this FD.
      Was this review helpful? 8
      , bangalore
      Reviewed on Feb 24, 2015
    • United Bank Fixed Deposit
      "Good!!!"
      0.5 5.0/5 "Blown Away!"
      United Bank of India is good in mobile and Internet banking. For Fixed Deposit the rate of interest is valuable as it is 8.5%. Rate of interest is keep changing so it might be 8.5% but not sure about current status. Rather than going with private sector banks for deposti I thought nationalized bank to be best thus I opened United Bank of India for FD.
      Was this review helpful? 6
      , guwahati
      Reviewed on Jan 05, 2015
    • United Bank Fixed Deposit
      "Good but not Best "
      0.5 4.0/5 "Great!"
      The fixed deposit with United Bank of India is really good. The lockin period was 5 years and the rate of interest they provided was approximately around 8 to 9%. I have invested around an amount of Rs.150000 where they informed thatduring the time of maturity the amount would be approximately Rs.194875. The interest is getting credited one year once to my savings account directly. There are no pre-closure charges as well.
      Was this review helpful? 1
      , kolkata
      Reviewed on Dec 07, 2014
    • United Bank Fixed Deposit
      "Valuing the customers would be nice"
      0.5 3.0/5 "Satisfactory"
      They were offering 8.54%-8.75% interest rate for fixed deposit with United bank of India.There is no customer care, just I have to approach the branch. Branch services are good and they are normal, not much valuing the customers. At last, happy with the returns.
      Was this review helpful? 10
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