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Ujjivan Small Finance Bank offers FD interest rates of up to 8.25% p.a. to the general public and up to 8.75% p.a. to senior citizens on tenures ranging from 7 days to 10 years. For tax-saving fixed deposits, the interest rate offered is 7.20% p.a. for the general public and up to 7.70% p.a. for senior citizens. Additionally, Ujjivan Small Finance Bank provides NRE fixed deposits for NRIs. Below are the interest rates for different fixed deposit schemes offered by the Ujjivan Small Finance Bank bank.
Tenure | 7 days to 10 years |
Senior Citizen Interest Rates | 4.25% to 8.75% |
Public Interest Rates | 3.75% to 8.25% |
Highest Interest Rates for Public | 8.25% p.a. |
Highest Interest Rates for Senior Citizens | 8.75% p.a. |
Premature Withdrawal | 1% Penalty |
Minimum Deposit Amount | Rs 1000 |
The Ujjivan Small Finance Bank FD Rates for 2025 for general citizens are provided in the table below.
Tenure | Interest Rates (p.a.) |
| 7 to 29 days | 3.75% |
| 30 days to 89 days | 4.25% |
| 90 days to 179 days | 4.75% |
| 6 months to less than 9 months | 7.00% |
| 9 months | 7.50% |
| 9 months 1 day to less than 12 months | 7.00% |
| 12 months | 8.25% |
| 12 months 1 day to 560 days | 8.00% |
| 561 days to 990 days | 7.75% |
| 991 days to 60 months | 7.20% |
| 60 months 1 day to 120 months | 6.50% |
*Rates updated as of 13 September 2024
The table below displays Ujjivan Small Finance Bank FD rates for senior citizens for 2025.
Tenure | Interest Rates (p.a.) |
| 7 to 29 days | 5.25% |
| 30 days to 89 days | 4.75% |
| 90 days to 179 days | 5.25% |
| 6 months to less than 9 months | 7.50% |
| 9 months | 8.00% |
| 9 months 1 day to less than 12 months | 7.50% |
| 12 months | 8.75% |
| 12 months 1 day to 560 days | 8.50% |
| 561 days to 990 days | 8.25% |
| 991 days to 60 months | 7.70% |
| 60 months 1 day to 120 months | 7.00% |
*rates updated as of 13 September 2024
Here are the types of fixed deposit schemes that Ujjivan Small Finance Bank has to offer. you can choose any type based on your financial requirements and goals.
1. Regular Fixed Deposit
Ideal for long-term savings, this scheme offers competitive interest rates (3.75%–8.25% p.a.) and flexible tenures ranging from 7 days to 10 years.
2. Digital Fixed Deposit
A paperless FD option that doesn’t require a savings account.
3. Platina Fixed Deposit
Offers higher rates (7.40%–8.45% p.a.) for a tenure of 12 to 60 months.
4. Sampoorna Nidhi Fixed Deposit
For existing savings or current account holders.
5. Tax Saver Fixed Deposit
Enjoy tax benefits under Section 80C with a lock-in period of 5 years.
The lowest and highest Ujjivan Small Finance Bank FD interest rates for general customers are 3.75% and 8.25% per annum respectively.
The highest and lowest FD interest rates for senior citizens are 8.75% and 4.25% per annum respectively.
You can prematurely withdraw your fixed deposit from Ujjivan Small Finance Bank only after 6 months of account opening. However, the bank levies a penalty of 1% on the interest rate for each premature withdrawal, except for tax-saving fixed deposit schemes, and withdrawing after a certain period of time given in fixed deposit schemes. Since there is a compulsory lock-in period for this scheme, you cannot withdraw your money prematurely.
When withdrawing FD maturity amounts, TDS deductions apply as follows:
Exceptions to TDS Deductions:
Additionally, Tax Saver FD holders can avail of tax exemptions under Section 80C of the Income Tax Act.
To conclude, this article has everything you must know about Ujjivan Small Finance Bank FD rates. Consider keeping all your documents handy while registering yourself for Ujjivan Small Finance Bank FD rates. You can also calculate your maturity amount beforehand with online FD calculators to know the right investment amount for your finances.
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