Ujjivan Small Finance Bank FD Interest Rates

What is a Ujjivan Bank Fixed Deposit?

Ujjivan Small Finance Bank fixed deposit offers a secure and flexible tenure from 7 days to 10 years. With a minimum investment of just ₹1,000, you can choose between cumulative or non-cumulative interest payouts, and senior citizens enjoy an additional 0.50% p.a. interest rate. While the account provides liquidity through premature withdrawal and partial withdrawal options, keep in mind that such actions may reduce your overall earnings.

You can easily open and manage your fixed deposit via mobile banking, net banking, or at any Ujjivan bank branch. For smart investment planning, the bank provides an online calculator, and you can access 24/7 support through its phone banking services. Additionally, you may be eligible to apply for a Ujjivan Credit Card Against FD to get quick credit while keeping your savings intact.

Ujjivan Small Finance Bank FD: Highlights

Ujjivan Small Finance Bank FD: Latest updates

The revised Ujjivan Small Finance Bank FD rates are effective from June 22, 2026. You can now earn up to 7.80% p.a. as a regular citizen, while senior citizens get a massive 8.30% p.a. on a 2-year tenure.

Ujjivan Small Finance Bank FD Rates 2026

The latest Ujjivan FD rates for the general public and senior citizens for amounts below 3 crore, and the rates above 3 crore are for NROs, effective from 22nd June, 2026

Ujjivan Small Finance Bank FD Rates And Sampoorna Nidhi

Below 3 crore

*Ujjivan Small Finance FD interest rates w.e.f. June 22, 2025

NRO Term Deposits for below 3 crore

**Ujjivan Small Finance FD interest rates w.e.f. June 22nd, 2026 *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 a 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 Regular FD is callable, i.e., it can be withdrawn early in part, but a penalty may be charged.

   • Tenure - 7 days to 10 years
   • Senior Citizen Advantage - an 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, and Aadhaar and PAN are used for 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 in saving on taxes and earning a fixed rate of 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 - on a 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 earned on the deposit is computed monthly and automatically added to the linked account 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, whether individuals or non-individuals. The primary advantage of this FD is that it offers a higher interest rate than the non-callable deposit, and partial or early withdrawals are 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 deposit required to open a fixed deposit with Ujjivan Small Finance Bank is Rs. 1,000. There is no limit to the maximum amount.
• Fixed Deposit Tenure - Fixed Deposits are available for a period ranging from 7 days to 10 years.
• Interest Rates - The bank offers its customers a fixed deposit interest rate of 3.55% to 7.80% annually.
• Senior Citizen Interest Rates - The interest rate on fixed deposits ranges from 4.00% to 8.30% annually for senior citizens.
• Deposit Insurance - RBI's Deposit Insurance Scheme provides coverage for deposits, insuring up to Rs 5 lakh per depositor through DICGC.
• Loan Against FD - It provides loans against FD without breaking the FD. The loan provided by the Bank is secured by the Bank's FD, not by an FD of any other bank. The loan duration is the maximum FD duration.
• Types of Fixed Deposits Offered - Regular Fixed Deposits, Digital Fixed Deposits, Tax Saver Fixed Deposits, Sampornna Nidhi Fixed Deposits, and Platina Fixed Deposits are available to 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: Enter the FD details, including 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 Ujjivan Small Finance Bank branch 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 complete the fixed deposit application form available 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 provides a comprehensive suite of Fixed Deposit options to meet diverse financial goals, ranging from tax-saving needs to monthly income requirements. By offering a competitive interest rate of 8.30% p.a. for senior citizens and DICGC insurance. Whether you choose the convenience of a digital FD or the personalised service of a branch, flexible tenures and accessible withdrawals ensure your investment remains both productive and easy to manage.