Ujjivan Small Finance Bank FD Interest Rates

What is Ujjivan Small Finance Bank FD?

Ujjivan Small Finance Bank Fixed Deposits are investment schemes offered by the bank in which one can deposit a lump sum of money for a fixed tenure to earn a guaranteed interest. Such deposits are a low-risk investment option.

Ujjivan Small Finance Bank FD: Highlights 

Ujjivan Small Finance Bank FD: Latest updates 

Ujjivan Small Finance Bank provides a 7.60% interest rate on a 2-year fixed deposit. A lakh investment will increase to about 1.15 lakh by the time it matures.

Ujjivan Small Finance Bank FD Rates 2026

Ujjivan Small Finance Bank offers attractive interest rates on fixed deposits to its customers. Senior citizens aged 60 and above are offered better interest rates than the general public. 

Ujjivan Small Finance Bank FD Rates And Sampoorna Nidhi

Below 3 crore 

*Ujjivan Small Finance FD interest rates w.e.f. Aug 05, 2025

NRO Term Deposits For below 3 crore

**Ujjivan Small Finance FD interest rates w.e.f. Aug 05, 2025 *For this category of Fixed Deposits, there are no additional rates for Senior Citizens.

People also read: Standard FD interest rates available in the market. 

Types of Ujjivan Small Finance Bank FD

1. Regular Fixed Deposit 

   It is the common fixed deposit product. It is a flexible, low-risk investment option for resident Indian individuals and Hindu Undivided Families (HUFs). Regular FD is callable, i.e., it is possible to withdraw it early and in part, but a penalty might be charged.

   • Tenure - 7 days to 10 years
   • Senior Citizen Advantage - additional 0.50% interest rate
   • Premature/Partial Closure - Allowed 
   • Multiple Payout Options - monthly, quarterly, or cumulative

2. Digital Fixed Deposit 

   It is a new-age, paperless fixed deposit that can be opened and operated completely online. The major attraction is that you need not have a pre-existing savings account with Ujjivan Small Finance Bank to open this FD. This is fast and convenient, where Aadhaar and PAN are used to do a Video KYC.

   • Application Process - Completely Online 
   • Documentation - Completely paperless 
   • Multiple Payout Options - quarterly and at Maturity
   • Penalties on Premature Withdrawals - No Penalties after 6 months 

3. Tax Saver Fixed Deposit 

   This FD is specifically made to give the tax deduction benefit under Section 80C of the Income Tax Act, 1961. This FD assists individuals and HUFs to save their taxes and also have a fixed interest on their investment.

   • Tenure - 5 years lock-in 
   • Tax Deduction - up to 1.5 lakhs under Section 80C
   • Secure Investment - Secured under DICGC
   • Flexible Payouts - monthly, quarterly, or cumulative basis

4. Samporrna Nidhi Fixed Deposit 

   This is a fixed deposit scheme targeted towards the existing customers of Ujjivan Small Finance Bank with a savings or current account. The fact that the interest gained on the deposit is computed every month and added to the linked account automatically defines its most distinctive characteristic.

   • Regular Monthly Income - Monthly interest payout option 
   • High Interest Rates - Competitive interest rates 
   • Additional Benefit - 0.5% additional benefit for senior citizens 
   • Premature Withdrawal - Allowed after 6 months
   • Auto-Renewal - Allowed

5. Platina Fixed Deposit 

   The Platina Fixed Deposit is a high-end non-callable FD. It targets high-value depositors who are either individuals or non-individuals. The primary advantage of this FD is that it is better in terms of the interest it pays in comparison to the non-callable character of the deposit; partial or early withdrawal is permitted.

   • Scheme For NRI - Available
   • Eligible People - Both Individuals and organisations are eligible
   • Predictable Returns - Assured returns throughout the tenure
   • Interest Rates - Higher interest rates than regular FDs

Ujjivan Small Finance Bank Fixed Deposit Features

The features of Ujjivan Small Finance Bank Fixed Deposits help the customers in multiple ways. The key features are as follows:

• Minimum and Maximum Deposit Amount - The minimum amount required to start a fixed deposit in Ujjivan Small Finance Bank is Rs. 1,000. There is no limit to the maximum amount.
• Fixed Deposit Tenure - Fixed Deposits for a period ranging from 7 days to 10 years are available.
• Interest Rates - The bank provides its customers with a fixed deposit interest rate ranging from 3.05% to 7.45% annually.
• Senior Citizen Interest Rates - The rate of interest on fixed deposits ranges between 3.55% and 7.30% annually in the case of senior citizens.
• Deposit Insurance - RBI’s Deposit Insurance Scheme provides coverage to the deposits, insuring up to Rs 5 lakh of each depositor by DICGC.
• Loan Against FD - It provides loans against FD without breaking the FD. The loan provided by the Bank is on the Bank's FD and not on an FD of any other bank. The duration of the loan is the maximum duration of the FD.
• Types of Fixed Deposits Offered - Facilities like Regular Fixed Deposits, Digital Fixed Deposit, Tax Saver Fixed Deposit, Sampornna Nidhi Fixed Deposit, and Platina Fixed Deposit are available for the customers.

How to Open a Ujjivan Small Finance Bank Fixed Deposit

Ujjivan Small Finance Bank fixed deposits are a popular choice for individuals looking for a secure investment with attractive interest rates. You can easily open an FD account with the bank through a convenient online process or by visiting a branch.

1. Online FD Account 

   The Digital Fixed Deposit by Ujjivan SFB is a paperless and hassle-free way to book an FD online, even without an existing savings account with the bank.

   • Provide Details: Visit the Ujjivan SFB website and enter your mobile number, PAN, and Aadhaar details.
   • Enter Deposit Details: Fill in the FD details such as the deposit amount, tenure, and interest payout frequency.
   • Complete Payment: Fund your FD using NetBanking, a debit card, or UPI from your existing bank account.
   • Video KYC: Complete the Video KYC process between 8:00 AM and 8:00 PM. You will need your physical PAN card for verification.
   • Receive FD Receipt: Once the process is complete, the bank will send the FD receipt to your registered email address.

2.  Offline FD Account 

   If you prefer a traditional approach, you can visit any of Ujjivan Small Finance Bank's branches to open an FD account.

   • Visit a Branch: Go to your nearest Ujjivan SFB branch with the necessary documents and a photograph.
   • Fill Out Form: Request and fill out the fixed deposit application form provided at the branch.
   • Submit Documents: Submit your KYC documents and the application form to the bank representative.
   • Fund Transfer: Deposit the amount for your FD through cheque, cash, or a digital transfer.
   • Choose Options: Select your preferred FD tenure, interest payout option, and nomination details.
   • Get FD Receipt: Upon successful processing, the bank will issue a physical Fixed Deposit Receipt as confirmation.

Eligibility 

You can open a Ujjivan Small Finance Bank Digital FD if you are a - 

• An Indian Resident of 18 years of age or above.
• You should have a valid Aadhaar and PAN card. 
• A Physical PAN is required for VKYC.
• Mobile number linked with Aadhaar

Summing it Up

Ujjivan Small Finance Bank FD Rates provide decent interest on its Fixed Deposit accounts. Digital Fixed deposit is an impressive facility that lowers the need for tedious paperwork and makes it easier for customers to start and track their fixed deposits. The Bank provides fixed deposit facilities for both the long and short terms. Therefore, the investor can choose as per his financial goals and decide what is best for him.