City Union Bank Special FD Schemes

What are City Union Bank Special FD Schemes 2026?

City Union Bank’s fixed deposit schemes function like regular FDs. Still, they may offer higher returns on select tenures, such as 333 days or 444 days, depending on the bank’s prevailing special rate offers. Many customers check the latest City Union Bank FD rates, including the CUB FD interest rates 333 days and CUB FD interest rates 444 days, to compare these special options with regular deposits and make informed investment decisions.

City Union Bank Special FD Schemes Rates 2026

City Union Bank offers various special deposit schemes to suit different financial goals and liquidity needs. Below are the indicative rates for deposits below ₹3 crore:

CUB FD Interest Rates 333 Days 2026

The 333 Days FD is a short-term deposit plan offering assured returns with quick maturity and higher liquidity. Here are its preferential interest rates for different profiles:

*City Union Bank FD Rates – 333 Days w.e.f. June 13, 2025

CUB FD Interest Rates 444 Days 2026

The 444 Days FD is one of City Union Bank’s most popular special deposit schemes, combining attractive returns and a moderate lock-in period. These are CUB FD interest rates for 444 days for senior citizens to evaluate the best return options before booking their deposit:

*City Union Bank FD Rates – 444 Days w.e.f. June 13, 2025

Key Features of City Union Bank Special FD Schemes

City Union Bank’s Special FDs offer flexibility, stability, and reliable growth. Key highlights include:

• Exclusive Tenures: Special durations such as 333 and 444 days provide better yields than standard deposits.
• Flexible Interest Payouts: Choose from cumulative or non-cumulative options monthly, quarterly, or at maturity.
• Loan/Overdraft Facility: Borrow up to 90% of the FD amount without breaking the deposit.
• Auto-Renewal Option: Automatically renews upon maturity, maintaining uninterrupted interest earnings.
• Nomination Facility: Ensures a smooth transfer of funds to nominees in case of any unforeseen event.

Eligibility Criteria for City Union Bank Special FD Schemes

City Union Bank’s special FDs are available to a wide range of customers, including:

• Resident individuals (single or joint)
• Hindu Undivided Families (HUFs)
• Minors under guardian supervision
• Proprietorships, partnerships, and LLPs
• Societies, trusts, and associations
• Government departments and institutions

Interest Calculation Illustrations

To understand how City Union Bank Special FDs work, here are some illustrations of interest and maturity value calculations:

Illustration 1: CUB 333 Days FD

If an investor deposits ₹1,00,000 for 333 days at 6.25% p.a. (general citizen):

Simple Interest: (₹1,00,000 × 6.25 × 0.91) / 100 = ₹5,688

Maturity Value: ₹1,05,688

Compound Interest (Quarterly):

A = ₹1,00,000 × (1 + 0.0625 / 4)^(4 × 0.91)

A ≈ ₹1,05,710

Compound Interest Earned: ₹5,710

Illustration 2: CUB 444 Days FD

If a depositor invests ₹1,50,000 for 444 days at 6.65% p.a. FD interest rates (general citizen):

Simple Interest: (₹1,50,000 × 6.65 × 1.22) / 100 = ₹12,172

Maturity Value: ₹1,62,172

Compound Interest (Quarterly):

A = ₹1,50,000 × (1 + 0.0665 / 4)^(4 × 1.22)

A ≈ ₹1,62,230

Compound Interest Earned: ₹12,230

Taxation on City Union Bank Special FD Returns

Interest earned on City Union Bank Fixed Deposits is taxable under the head Income from Other Sources as per the Income Tax Act, 1961. Tax Deducted at Source (TDS) is applicable if the annual interest exceeds ₹50,000 for individuals or ₹1,00,000 for senior citizens. The deduction rate is 10% if PAN is submitted and 20% otherwise. Eligible depositors can submit Form 15G (for individuals below 60 years) or Form 15H (for senior citizens) to avoid TDS deduction, subject to income eligibility.

Key Takeaways

City Union Bank Special FD Schemes 2026 provide a reliable and secure way to grow savings with guaranteed returns. Investors can compare the CUB FD interest rates 333 days, the CUB FD interest rates 444 days, and senior citizen rates before choosing the ideal tenure. With features like premature withdrawal, auto-renewal, and loan options against deposits, City Union Bank FDs combine safety, liquidity, and consistent returns, making them a trusted choice for all types of investors.