UCO Bank FD Rates

The Fixed Deposit scheme by UCO Bank offers multiple benefits.The UCO Bank FD Rates differ for the amount of principal invested and its tenure. Another reason for the fluctuation of UCO Bank FD Rates is the nature of the account holder. Senior citizens get a higher interest rate when compared to the other cadre of citizens. 

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Features of Uco Bank Fixed Deposit

Investment Amount  Minimum - Rs.1000 Maximum- No Maximum Limit
Tenure  Minimum - 7 daysMaximum- 10 Years
Interest Rate  Minimum - 3.65 %Maximum- 5.45%

Compare FD Interest Rates of Top Financial Institutions
BANKS GENERAL CITIZENS SENIOR CITIZEN
UCO Bank FD Rates 2.55% - 5.05% 3.80% - 6.30%
Axis Bank FD Rates 2.50% - 5.75% 2.50% - 6.50%
Bandhan Bank FD Rates 3.00% - 5.00% 3.75% - 5.75%
Bank of Baroda FD Rates 2.80% - 5.25% 3.30% - 6.25%
Bank of India FD Rates 2.85% - 5.05% 3.35% - 5.55%
Canara Bank FD Rates 2.90% - 5.40% 2.90% - 5.90%
Central Bank of India FD Rates 2.75% - 5.00% 2.90% - 3.25%
DBS Bank FD Rates 2.50% - 5.50% 3.50% - 6.00%
HDFC Bank FD Rates 2.50% - 5.60% 3.00% - 6.35%
IDFC Bank FD Rates 2.50% - 6.00% 3.00% - 6.50%
Indian Bank FD Rates 2.90% - 5.15% 3.40% - 5.65%
Indian Overseas Bank FD Rates 3.40% - 5.20% 3.90% - 5.70%
IndusInd Bank FD Rates 2.50% - 6.00% 3.00% - 6.50%
Punjab National Bank FD Rates 2.90% - 5.25% 3.50% - 5.75%
SBI FD Rates 5.30% - 5.40% 5.80% - 6.20%
Yes Bank FD Rates 3.25% - 6.25% 3.75% - 7.25%
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The FD scheme is available in two modes:

  • Quarterly pay-out: the interest generated every month can be withdrawn each quarter from the start date of the investment 

  • Month pay-out: the customer can withdraw the interest every month

The FD maturity calculator available on the bank’s website helps choose the right Fixed Deposit Scheme to suit the customer’s needs.

About UCO Bank Fixed Deposit Interest Rate Calculator

UCO Bank Fixed Deposit calculator is an easy-to-use, hassle-free tool that helps in quick calculation of the maturity amount and the interest earned receivable at the end of the policy tenure. By entering some basic details, you can calculate the correct FD amount. Here are the steps that an investor needs to follow to calculate Fixed Deposit rates on the FD Calculator:

  • The amount that is invested

  • The Rate of Interest offered

  • The tenure of the Fixed Deposit Account

  • The compounding period, that is, yearly, half-yearly, quarterly, or monthly

  • The FD Amount

Once entered the following details, an investor will come to know:

  • The maturity value of the FD

  • The total interest earned during the complete tenure

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UCO Bank Fixed Deposit

One of India’s premier financial Institutions, the UCO Bank is known for its qualitative deposit schemes.

Originated in 1943, the United Commercial Bank has a user-friendly net banking service with a detailed preview of the various schemes and services offered by this bank. 

The two kinds of deposits offered by the UCO bank that are exceedingly popular among its customers are:

  • Fixed deposit

  • Recurring deposit

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UCO Bank FD Interest Rates in India (Domestic)

It is advisable to reconfirm the FD interest rate from the bank before making any decision.

  1. UCO Bank FD Rates w.e.f. 10.02.2022 (Investment amount less than 2 crores)

    Tenure Regular interest rate  Senior citizen interest rate
    7 days to 14 days 2.55% 2.80%
    15 days to 30 days 2.55% 2.80%
    31 days to 45 days 2.80% 3.05%
    46 days to 90 days 3.55% 3.80%
    91 days to 180 days 3.70% 3.95%
    181 days to 364 days 4.40% 4.65%
    1 year 5.10% 5.35%
    1 year 1 day to 2 years 5.10% 5.60%
    2 years 1 day to 3 years 5.10% 5.60%
    3 years 1 day to 4 years 364 days 5.30% 5.80%
    5 years to 10 years 5.10% 5.60%
    Note:Interest rates greatly vary for retired staff (senior citizens).
  2. Domestic Bulk Term Deposit for 2 to 5 crores (w.e.f. 11.02.222)

    Tenure Interest rate 
    7 days to 14 days 3.05%
    15 days to 30 days 3.25%
    31 days to 45 days 3.25%
    46 days to 90 days 3.25%
    91 days to 180 days 3.05%
    181 days to 210 days 3.05%
    211 days to 270 days 3.05%
    271 days to 1 year 3.65%
    > 1 year to 2 years 3.65%
    > 2 years to 3 years 3.00%
    > 3 years to 5 years 3.00%
    5 years above 3.00%

    Note: Interest rates mentioned here are for single term deposits of Rs 2 to 5 crores. For non-callable bulk term deposits, contact your bank representative.

  3. Domestic Bulk Term Deposit of above 5 crores up to and including 25 crores (w.e.f. 11.02.222)

    Tenure Interest rate 
    7 days to 14 days 3.05%
    15 days to 30 days 3.25%
    31 days to 45 days 3.25%
    46 days to 90 days 3.25%
    91 days to 180 days 3.05%
    181 days to 210 days 3.05%
    211 days to 270 days 3.05%
    271 days to 1 year 3.90%
    > 1 year to 2 years 3.90%
    > 2 years to 3 years 3.00%
    > 3 years to 5 years 3.00%
    5 years above 3.00%
  4. Domestic Bulk Term Deposit of above 25 crores (w.e.f. 11.02.222)

    Tenure Interest rate 
    7 days to 14 days 3.05%
    15 days to 30 days 3.25%
    31 days to 45 days 3.25%
    46 days to 90 days 3.25%
    91 days to 180 days 3.05%
    181 days to 210 days 3.05%
    211 days to 270 days 3.05%
    271 days to 1 year 3.90%
    > 1 year to 2 years 3.90%
    > 2 years to 3 years 3.00%
    > 3 years to 5 years 3.00%
    5 years above 3.00%

UCO Bank FD Interest Rates in India (Non-Resident Indian)

  1. NRE Term Deposits of up to 2 crores (w.e.f. 10.02.22)

    Deposit Period INTEREST RATE
    1 Year 5.10%
    Above 1 year up to 2 years 5.10%
    Above 2 years up to 3 years 5.10%
    Above 3 years up to 5 years 5.30%
    5 years and above 5.10%
  2. Bulk NRE Term Deposit from 2 crores to 5 crores (w.e.f. 11.02.22)

    Deposit Period INTEREST RATE
    1 Year 3.90%
    Above 1 year up to 2 years 3.90%
    Above 2 years up to 3 years 3.00%
    Above 3 years up to 5 years 3.00%
    5 years and above 3.00%
  3. Bulk NRE Term Deposit above 5 crores up to and including 25 crores (w.e.f. 11.02.22)

    Deposit Period INTEREST RATE
    1 Year 3.90%
    Above 1 year up to 2 years 3.90%
    Above 2 years up to 5 years 3.00%
    5 years and above 3.00%
  4. Bulk NRE Term Deposit above 25 crores (w.e.f. 11.02.22)

    Deposit Period INTEREST RATE
    1 Year 3.90%
    Above 1 year up to 2 years 3.90%
    Above 2 years up to 5 years 3.00%
    5 years and above 3.00%

    Note: All interest rates mentioned here are subject to change at the sole discretion of the bank. Please confirm the rates with your bank or relationship manager before making the final decision. 

Tax Saver FD (Max Deposit - 1 LPA)

MATURITY PERIOD DEPOSIT AMOUNT INTEREST RATE (p.a.)
General Senior Citizen
UCO Tax Saver Deposit Scheme 2006 up to Rs. 1 lakh 6.3% 6.8%

Tax Implications

  • The amount invested in Fixed Deposit with a tenure of 5 years with UCO Bank is eligible for tax deduction under IT section 80C, whereas the interest earned on the investment is taxable.

  • The applicable tax will be deducted at source, i.e. UCO Bank, in case the annual interest earned crosses Rs. 10,000.

Note: Tax benefit is subject to changes in tax laws 

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