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Uttar Pradesh Gramin Bank FD Interest Rates
UP Gramin Bank was formed through the merger of Prathama UP Gramin Bank and Sarva Haryana Gramin Bank. The current UP Gramin Bank offers FD interest rates ranging from 3.00% p.a. to 6.50% p.a. for general citizens, and for senior citizens, it starts from 3.50% p.a. and 7.00% p.a. across various tenures.
Guaranteed Returns
Includes Life Cover
Completely Tax Free+
3 Benefits, 1 Plan
Maximum returns offered by:
7.4%*
(Tax-Free)
Guaranteed Plan
(By Insurance companies)4.6%*
(After Tax)
Fixed Deposit
(Offered by Banks)4.0%*
Savings Account
(Post Office)Get Guaranteed returns up to 7.4%*
Fully Tax-Free, Life Cover Included
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Fixed Deposits
- Prathama UP Gramin Bank FD Rates
Overview of UP Gramin Bank Fixed Deposit
UP Gramin Bank Fixed Deposit is backed by Punjab National Bank, offering depositors an added layer of trust and security. You can start investing with a minimum deposit of just Rs. 500 (in multiples of Rs. 100), making it accessible for small investors as well. For those looking to claim tax benefits, the deposit amount should not exceed Rs. 1,50,000.
The bank offers a range of FD schemes designed for different financial goals, including the Monthly/Quarterly Income Plan, General FDR, and the Regular Income-cum-Recurring Deposit Scheme. Depositors also get the flexibility of a loan facility against FD, premature withdrawal options, and the UP Gramin credit card against FD to manage their funds.
Uttar Pradesh Gramin Bank FD Interest Rates
Below are the UP Gramin Bank rates for general and senior citizens for deposits below 1 lakh and above, effective from 21st April 2026:
For deposits of below 1 Lakh
| Term | General Citizens | Senior Citizens |
| 7 Days to 14 Days | 3.00% | 3.50% |
| 15 Days to 29 Days | 3.00% | 3.50% |
| 30 Days to 45 Days | 3.00% | 3.50% |
| 46 Days to 60 Days | 4.50% | 5.00% |
| 61 Days to 90 Days | 4.50% | 5.00% |
| 91 to 179 Years | 4.50% | 5.00% |
| 180 days to 269 days | 4.50% | 5.00% |
| 270 days to less than 01 year | 5.50% | 6.00% |
| 01 year | 6.25% | 6.75% |
| Above 01 yrs to less than 2 yrs | 6.30% | 6.80% |
| 02 yrs to up to 3 yrs | 6.30% | 6.80% |
| Above 03 yrs to less than 05 yrs | 6.40% | 6.90% |
| 05 yrs to up to 10 yrs | 6.40% | 6.90% |
Uttar Pradesh Gramin Bank FD Interest Rates w.e.f 21st April 2026
For deposits of above 1 Lakh to below 5 lakh
| Term | Interest rates |
| 7 Days to 14 Days | 3.00% |
| 15 Days to 29 Days | 3.00% |
| 30 Days to 45 Days | 3.00% |
| 46 Days to 60 Days | 4.50% |
| 61 Days to 90 Days | 4.50% |
| 91 to 179 Years | 4.50% |
| 180 days to 269 days | 4.50% |
| 270 days to less than 01 year | 5.50% |
| 01 year | 6.25% |
| Above 01 yr to less than 2 yrs | 6.50% |
| 02 yrs to up to 3 yrs | 6.50% |
| Above 03 yrs to less than 05 yrs | 6.40% |
| 05 yrs to up to 10 yrs | 6.00% |
Uttar Pradesh Gramin Bank FD Interest Rates w.e.f 21st April 2026. Senior citizens are not given additional rates on deposits of 1 lakh or more.
Features and Benefits of Uttar Pradesh Gramin Bank FD
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High Senior Citizen Rates:
Senior citizens enjoy a preferential interest rate that is significantly higher than the rates offered to regular citizens, especially on deposits below Rs. 1 Lakh.
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Loan Against FD:
Access quick cash during emergencies by borrowing up to 85% of your FD value without breaking the deposit entirely.
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Part-Withdrawal & Auto-Renewal:
Withdraw a portion of your funds if needed while the rest continues to earn interest, or opt for auto-renewal to keep your money compounding automatically at maturity.
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Nomination Facility:
Easily add a nominee to your fixed deposit account to secure your family's financial future.
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Convenient Access:
Open, track, or manage your FD accounts online via secure net banking or by visiting your nearest Uttar Pradesh Gramin Bank branch.
Eligible for Uttar Pradesh Gramin Bank FD Scheme
Below are persons eligible to invest in FDs:
- Any individual singly or jointly
- Minor of 10 years and more in his/her name
- Hindu Undivided Family (HUF)
- Partnership Firm
- Proprietary Firm
- Any Company
- Limited Liability Partnership (LLP)
- Association of Persons (AOP)
- Local Authority
- Body Of Individuals (BOI)
- Registered Society or Panchayat
- Non-Resident Indian (NRI)
Wrapping Up
Prathama UP Gramin Bank FDs offer a safe investment option with interest rates up to 6.50% p.a. for general citizens and 7.00% p.a. for senior citizens. With flexible tenures, loan facilities, and tax-saving options, these schemes suit different savings needs. Before investing, compare the standard FD interest rates offered by other banks for the same tenure to make sure you get the best returns on your deposit.
FAQs
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Q. What are the FD rates for Uttar Pradesh Gramin Bank Senior citizens?
Senior citizens receive 0.50% additional on general citizens' rates for deposits below 1 Lakh, which start from 3.50% p.a. to 7.00% p.a. -
Q. What are the Uttar Pradesh Gramin Bank FD rates for general citizens?
The general citizens FD rates of UP Gramin Bank start from 3.00% p.a. up to 6.50% p.a. -
Q. Can I take a Uttar Pradesh Gramin loan or credit card against the FD?
Yes, Uttar Pradesh Gramin Bank has these two facilities that you can take against your deposit value.
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
##The Guaranteed Returns are dependent on the policy term and premium term availed along with other variable factors. 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and a premium term of 10 years with ₹5,00,000 annually installment premium. All plans listed here are from insurance companies’ funds.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ