Ujjivan Small Finance Bank FD Interest Rates

Ujjivan Small Finance Bank is a small finance bank headquartered in Bengaluru. The bank offers home and vehicle loans, online saving accounts, fixed deposits, recurring deposits and other facilities.
The Fixed Deposits offered by Ujjivan Small Finance Bank have a range of seven days to ten years. The bank provides overdraft facilities and loans against the value of the FD, which can be paid back in monthly instalments. In addition, the bank gives a 0.5% higher interest rate on the Fixed Deposits to the senior citizen customers.

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Features of IDFC Bank Fixed Deposit

Investment Amount  Minimum - Rs.10,000 Maximum- No Maximum Limit
Tenure  Minimum - 7 daysMaximum- 10 Years
Interest Rate  Minimum - 4.00 %Maximum- 8.00%

Compare FD Interest Rates of Top Financial Institutions
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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%
UCO Bank FD Rates 2.55% - 5.05% 3.80% - 6.30%
Yes Bank FD Rates 3.25% - 6.25% 3.75% - 7.25%
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Ujjivan Small Finance Bank FD Rates 2023

Ujjivan Small Finance Bank offers attractive interest rates on fixed deposits to the customers. Senior citizens above the age of 60 years are given better interest rates than the general public. 

Ujjivan Small Finance Bank FD Interest Rates 2023 for both Domestic and NRO Fixed deposits for deposits less than Rs. 2 crore

Tenure FD Interest Rate for Regular Citizens FD Interest Rate for Senior Citizens
7 days to 29 days 3.05% 3.55%
30 days to 89 days 4.05% 4.55%
90 days to 179 days 4.80% 5.30%
180 days to 364 days 5.20% 5.70%
1 year to 2 years 6.50% 7.00%
2 years 1 day to 3 years 6.05% 6.55%
3 years 1 day to 5 years 5.80% 6.30%
5 years 1 day to 10 years 6.75% 7.30%

Ujjivan Small Finance Bank FD Interest Rates 2023 for NRE Fixed Deposits

Tenure  FD Interest Rates
1 Year to 2 Years 6.50%
2 Years and 1 Day to 3 Years 6.75%
3 Years and 1 Day to 5 Years 6.75%
5 Years and 1 Day to 10 Years 5.80%

*For this category of Fixed Deposits, there are no additional rates for Senior Citizens.

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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:

  • The minimum amount required to start a fixed deposit in Ujjivan Small Finance Bank is Rs. 1,000. There is no limit as to the maximum amount.
  • Fixed Deposits for a period ranging from 7 days to 10 years are available.
  • Bank provides its customers with an Interest Rate ranging from 3.05% to 6.75% annually on their fixed deposits.
  • The rate of interest on fixed deposits ranges between 3.55% and 7.30% annually in the case of senior citizen customers.
  • RBI’s  Deposit Insurance Scheme provides coverage to the deposits, insuring up to Rs 5 lakh of each depositor by DICGC.
  • Ujjivan Small Finance Bank 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 FD.
  • Facilities like Regular Fixed Deposits, NRE/NRO FD, and Ujjivan Small Finance Bank Tax Saver Fixed Deposits are available for the customers.
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About Ujjivan Small Finance Bank Fixed Deposit Interest Rate Calculator

Ujjivan Small Finance 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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Ujjivan Small Finance Bank Fixed Deposit Rate - Additional Features

Some additional features of Ujjivan small finance bank fixed deposit schemes are:

  • The highest interest rate on fixed deposits is 6.75%, and the lowest interest rate is 3.05%.
  • For senior citizens, the rate of interest is 0.5% more than the general public.
  • The rate of interest on fixed deposits is directly proportional to the tenure of the FD.
  • Customers can deposit money as per their long-term or short-term financial needs and goals.
  • Currently, Ujjivala Small Finance Bank FD rates provide an annual yield of up to 6.75% annually. However, these interest rates are subject to change from time to time.

Summing it Up

Ujjivan Small Finance Bank FD Rates provides 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 the 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.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023

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