Uttar Bihar Gramin Bank FD Rates

Uttar Bihar Gramin Bank offers various savings plans, including Fixed deposits (FD) for 7 days to 10 years. The bank offers competitive interest rates on FD plans. It primarily serves the rural people of North Bihar. Fixed deposit schemes are an instrument people rely on for growing risk-free money.

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Uttar Bihar Gramin Bank FD schemes are highly popular with the people in that region. However, you can invest in its FD schemes from anywhere in the country.

Features of Uttar Bihar Gramin Bank Fixed Deposit

A fixed deposit with a bank is considered a safe investment as banks are considered highly disciplined and reliable organizations. Besides, the Central Bank also keeps a tab on their functioning.

Uttar Bihar Gramin Bank offers a range of benefits on its fixed deposit plans. Here are some of them: 

  • One can choose from flexible tenures of 30 days to 10 years.

  • One can open an account quickly by visiting the branch.

  • The Bank offers both short-term and long-term fixed deposit accounts. The short-term FD accounts are for 7 days to 179 days’ tenure.

  • There is no cap on the maximum amount for FD.

  • Different interest payout schemes exist.

  • One can get tax benefits up to Rs. 1,50,000. (*conditions apply)

  • Part withdrawal and auto-renewable facilities are available.

  • Senior citizens are eligible for higher interest rates

  • The Bank offers easy and fast liquidity options on FD accounts

Uttar Bihar Gramin Bank Fixed Deposit Rates 2022

Listed below are interest rates offered by the Uttar Bihar Gramin Bank (2022):


Interest Rate (%) for Deposit less than Rs 1 crore

Interest Rate (%) for Deposit between Rs 1 crore to Rs 10 crore

7 - 14 days



15 - 30 days



31 - 45 days



46 - 59 days



60 - 90 days



91 - 179 days



180 - 270 days



271 - 364 days



1 year to less than 2 years 



2 years to less than 3 years 



3 years to less than 5 years



5 years and above 



555 Days Gramin Super Deposit



*Standard terms & conditions apply

FD interest have fallen consistently over the last 5 years.
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Things to Know

Uttar Bihar Gramin Bank offers various features under FD and their interest rates. However, some things one must be aware of are:

  • It offers competitive interest rates on its FD plans for different tenures. The minimum interest rate is 2.75%, and the maximum is 5%.  

  • Senior citizens are entitled to a higher interest rate in specific tenure category

  • It offers an overdraft option of up to 85% of the FD amount

  • Customer investments in the FD account attract tax benefits under Section 80c of the Income Tax Act.

  • Senior citizens can get a higher interest rate on their FDs. 

For both these benefits, certain conditions need to be met. For more details, you should visit the nearest Uttar Bihar Gramin Bank branch.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

In Conclusion

Uttar Bihar Gramin Bank FD rates are competitive and offer a minimum interest rate of 2.75%. Its FD plans have all regular benefits offered by other banks. FD investments are usually the safest. Before making any investment, customers should research and find out the pros and cons of a plan.

Written By: PolicyBazaar - Updated: 20 December 2021
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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