UCO Bank Special FD Schemes

What are UCO Bank Special FD Schemes 2025 ?

UCO Bank special fixed deposit schemes function like regular FDs but come with certain variations. These differences may lie in the tenure, special features, or the UCO Bank FD rates offered. The special schemes available under UCO Bank include the 333 Days FD and the 444 Days FD, both providing stable and assured returns. The bank also offers long-term deposits, catering to investors seeking sustainable, long-term growth.

UCO Bank Special FD Schemes Rates 2025

UCO Bank offers a series of special fixed deposit schemes with specific tenures suited for different investment preferences. Below are the latest UCO Bank Special FD interest rates for deposits below ₹3 crore:

UCO Bank 333 Days FD Interest Rate 2025

The UCO Bank 333-day FD is a short-term deposit with higher returns and liquidity.

*UCO Bank FD Rates – 333 Days w.e.f. August 26, 2025

UCO Bank 444 Days FD Interest Rate 2025

The 444-day FD in UCO Bank is a special deposit plan that balances competitive returns with a short-term lock-in.

*UCO Bank 444 Days FD Interest Rates w.e.f. August 26, 2025

UCO Green Deposit Scheme

UCO Bank offers special green deposit schemes such as 12 months, 1000 days, 2000 days, and 3000 days, giving investors flexible options to match their savings goals.

*UCO Green Deposit FD Rates w.e.f. August 26, 2025

Key Features of UCO Bank Special FD Schemes

The key features of the UCO Bank Special FDs include flexible terms, liquidity access, and customer-oriented provisions:

• Fixed Tenures: UCO Bank offers fixed deposit schemes with specific periods like 333 and 444 days, providing investors with guaranteed returns and helping them plan their savings with a clear maturity timeline.
• Minimum Deposit: The minimum investment amount starts from ₹100, making UCO Bank’s FDs accessible to all categories of savers, including beginners, students, and small investors aiming to build disciplined saving habits.
• Loan Facility: Depositors can avail loans or overdrafts of up to 90% of the FD value against their deposits, offering quick liquidity without the need to close the fixed deposit prematurely.
• Auto-Renewal: Investors can choose the auto-renewal facility at the time of deposit creation to earn interest seamlessly without any interruption or manual renewal upon maturity.
• Nomination Facility: The nomination feature allows depositors to name beneficiaries for their FDs, ensuring a smooth and convenient transfer of funds to the nominee in case of any unforeseen event.

Eligibility Criteria for UCO Bank Special FD Schemes

Eligible entities for opening UCO Bank Special FD Schemes include:

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

Interest Calculation Illustrations

The following examples illustrate how these special deposits work in practice. Here are illustrations for different UCO Bank Special FD Schemes with sample calculations and estimated maturity values.

Illustration 1: UCO Bank 333 Days FD

The UCO Bank 333 Days FD is a special fixed deposit scheme with a tenure of 333 days. This scheme serves as an alternative to regular FDs, offering depositors a short-term investment option with fixed returns and a clearly defined maturity period.

If a depositor invests ₹1,20,000 for 333 days at 6.30% p.a. (general citizen):

Simple Interest: (₹1,20,000 × 6.30 × 0.91) / 100 = ₹6,890

Maturity Value: ₹1,20,000 + ₹6,890 = ₹1,26,890

Compound Interest (Quarterly):

A = ₹1,20,000 × (1 + 0.063 / 4)^(4 × 0.91)

A ≈ ₹1,26,940

Compound Interest Earned: ₹6,940

Illustration 2: UCO Bank 444 Days FD

The UCO Bank 444 Days FD is designed to provide higher returns than regular deposits, offering flexibility to investors seeking steady short-term growth.

Assume an investor deposits ₹1,40,000 for 444 days at 6.45% p.a. (general citizen).

Simple Interest: (₹1,40,000 × 6.45 × 1.22) / 100 = ₹10,989

Maturity Value: ₹1,40,000 + ₹10,989 = ₹1,50,989

Compound Interest (Quarterly):

A = ₹1,40,000 × (1 + 0.0645 / 4)^(4 × 1.22)

A ≈ ₹1,51,030

Compound Interest Earned: ₹11,030

Taxation on UCO Bank Special FD Returns

Interest earned on UCO Bank Fixed Deposits is fully taxable under the heading “Income from Other Sources” as per the Income-tax Act, 1961. The bank deducts TDS (Tax Deducted at Source) if the total interest earned in a financial year exceeds ₹50,000 for regular depositors and ₹1,00,000 for senior citizens, based on prevailing tax provisions.

Key Takeaways

UCO Bank Special FD Schemes 2025 offer specific tenures such as 333 days and 444 days, catering to investors with diverse financial goals. Investors can use the UCO Bank FD calculator to plan their deposits, estimate maturity values, and compare returns across different schemes. With flexible features, like premature withdrawal, auto-renewal options, and the ability to avail loans against FDs, these deposits combine safety, convenience, and steady returns for savers.