UCO 444 Days Fixed Deposit Scheme

What is the UCO Bank 444 Days FD Interest Rate 2026 ?

The Bank introduces the special scheme with competitive FD interest rates applicable for domestic retail term deposits, as well as NRE and NRO rupee term deposits with a minimum deposit amount of ₹10,000 and not more than ₹3 crore for a fixed tenure of 444 days. The UCO Bank 444 Days FD interest rates for the general citizens start from 6.45% p.a., and for senior citizens, 6.95% p.a.

UCO Bank 444 Days FD Interest Rate 2026

Following table contains the revised UCO Bank 444 Days FD Interest Rates:

*UCO Bank 444 Days FD Interest Rate w.e.f July 29, 2025.

NRE/ NRO UCO 444’ Special Fixed Deposit Scheme

Given below are the existing and revised UCO Bank 444 Days FD interest rates for NRE/ NRO:

*UCO Bank 444 Days FD Interest Rate w.e.f July 29, 2025.

Key Features of UCO 444 Days Fixed Deposit Scheme

Given are the most crucial benefits and features of UCO 444 Days Fixed Deposit. Make sure to read them carefully to understand better:

• Monthly Income Scheme (MlS)/ Quarterly Income Scheme (QlS): These schemes are fixed deposits where you receive regular, fixed interest payouts either every month or every quarter. UCO Bank offers a specific UCO Monthly Income Scheme while also allowing a quarterly payout option on its standard fixed deposits.
• Loan/ OD Facility Available: Bank offers a UCO Bank loan against FD, allowing you to use your FD as collateral to borrow funds. This means you can get a loan without having to prematurely break your fixed deposit, so your deposit continues to earn interest.
• Premature Withdrawal: You can withdraw your funds prematurely, but the penalty will be applicable as per the bank’s guidelines.
• Nomination Facility: A nomination facility is provided under this scheme. The primary account holder may nominate a person to whom the funds in the account shall be transferred upon the demise of the account holder. This facility applies to accounts held by individual customers.

Eligibility Criteria For UCO 444 Days Fixed Deposit Scheme

Fixed deposit accounts with UCO Bank can be opened by a wide range of individuals and entities.

Individual and Joint Accounts:

• Any single individual.
• Two or more individuals in their joint names.
• A minor, with a guardian acting on their behalf.

Institutional and Commercial Accounts:

• Sole Proprietary Concerns
• Hindu Undivided Families (HUFs)
• Partnership Firms
• Limited Companies
• Clubs
• Societies
• Associations
• Trusts and other educational or charitable institutions.
• Private Traders, Merchants, Agents, and Professionals

Wrapping Up 

UCO 444 Days Fixed Deposit Scheme is a short-term investment option designed for competitive returns for a fixed tenure of 444 days. It provides a wide range of depositors, including individuals, HUFs, and various commercial entities, with a flexible minimum deposit of ₹10,000. The UCO Bank FD interest rates have maximum returns, with an additional benefit for senior citizens, and provide crucial facilities like premature withdrawal, a loan/overdraft option, and nomination. This makes it a balanced and accessible choice for those looking for a secure investment with a short lock-in period.