UCO Bank (UCO) is a nationalised public sector bank, headquartered in Kolkata, established in 1943. Its headline 1-year FD rate of 6.10% is −0.14% below the public sector average of 6.24%, ranking #11 of 12 public sector banks.
Figures marked “approx.” are rounded public estimates as of 2024.
Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.
Rates as of 1 Oct 2025, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at UCO (quarterly compounding)
Rates for deposits below ₹3 crore · General vs Senior · trend over time
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
No additional super-senior premium — showing Senior rates.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
7 to 14 days |
2.90% | 3.15% | Below ₹3 crore | |
7 to 14 days |
4.00% | 3.15% | ₹3 crore to ₹10 crore | |
7 to 14 days Non-Callable |
4.00% | — | — | ₹3 crore to ₹10 crore |
7 to 14 days |
4.00% | 3.15% | Above ₹10 crore | |
7 to 14 days Non-Callable |
4.00% | — | — | Above ₹10 crore |
15 to 29 days |
2.90% | 3.15% | Below ₹3 crore | |
15 to 30 days |
4.00% | — | — | ₹3 crore to ₹10 crore |
15 to 30 days Non-Callable |
4.00% | — | — | ₹3 crore to ₹10 crore |
15 to 30 days |
4.00% | — | — | Above ₹10 crore |
15 to 30 days Non-Callable |
4.00% | — | — | Above ₹10 crore |
30 to 45 days |
3.00% | 3.25% | Below ₹3 crore | |
31 to 45 days |
4.25% | — | — | ₹3 crore to ₹10 crore |
31 to 45 days Non-Callable |
4.25% | — | — | ₹3 crore to ₹10 crore |
31 to 45 days |
4.25% | — | — | Above ₹10 crore |
31 to 45 days Non-Callable |
4.25% | — | — | Above ₹10 crore |
46 to 60 days |
3.50% | 3.75% | Below ₹3 crore | |
46 to 90 days |
4.50% | — | ₹3 crore to ₹10 crore | |
46 to 90 days Non-Callable |
4.55% | — | — | ₹3 crore to ₹10 crore |
46 to 90 days |
4.50% | — | Above ₹10 crore | |
46 to 90 days Non-Callable |
4.55% | — | — | Above ₹10 crore |
61 to 90 days |
3.50% | 3.75% | Below ₹3 crore | |
91 to 120 days |
4.25% | 4.50% | Below ₹3 crore | |
91 to 180 days |
4.75% | — | ₹3 crore to ₹10 crore | |
91 to 180 days Non-Callable |
4.80% | — | — | ₹3 crore to ₹10 crore |
91 to 120 days |
4.75% | 4.50% | Above ₹10 crore | |
91 to 120 days Non-Callable |
4.80% | — | — | Above ₹10 crore |
121 to 150 days |
4.25% | 4.50% | Below ₹3 crore | |
121 to 180 days |
4.75% | — | — | Above ₹10 crore |
121 to 180 days Non-Callable |
4.80% | — | — | Above ₹10 crore |
151 to 180 days |
4.75% | 5.00% | Below ₹3 crore | |
181 to 332 days |
5.00% | 5.25% | Below ₹3 crore | |
181 to 210 days |
5.00% | — | — | ₹3 crore to ₹10 crore |
181 to 210 days Non-Callable |
5.05% | — | — | ₹3 crore to ₹10 crore |
181 to 210 days |
5.00% | — | — | Above ₹10 crore |
181 to 210 days Non-Callable |
5.05% | — | — | Above ₹10 crore |
211 to 270 days |
5.00% | — | — | ₹3 crore to ₹10 crore |
211 to 270 days Non-Callable |
5.05% | — | — | ₹3 crore to ₹10 crore |
211 to 270 days |
5.00% | — | — | Above ₹10 crore |
211 to 270 days Non-Callable |
5.05% | — | — | Above ₹10 crore |
271 days to 1 year |
5.50% | — | — | ₹3 crore to ₹10 crore |
271 days to 1 year Non-Callable |
5.55% | — | — | ₹3 crore to ₹10 crore |
271 days to less than 1 year |
5.50% | — | — | Above ₹10 crore |
271 days to less than 1 year Non-Callable |
5.55% | — | — | Above ₹10 crore |
333 days UCO 333 |
6.30% | 6.55% | — | Below ₹3 crore |
334 to 364 days |
5.00% | 5.25% | Below ₹3 crore | |
1 year |
6.10% | 6.35% | Below ₹3 crore | |
1 year |
5.90% | 6.35% | Above ₹10 crore | |
1 year Non-Callable |
5.95% | — | — | Above ₹10 crore |
Above 1 year to 443 days |
6.10% | 6.60% | — | Below ₹3 crore |
Above 1 year to 2 years |
5.25% | — | — | ₹3 crore to ₹10 crore |
Above 1 year to 2 years Non-Callable |
5.30% | — | — | ₹3 crore to ₹10 crore |
Above 1 year to 2 years |
5.25% | — | — | Above ₹10 crore |
Above 1 year to 2 years Non-Callable |
5.30% | — | — | Above ₹10 crore |
444 days UCO 444 |
6.45% | 6.95% | — | Below ₹3 crore |
445 to 534 days |
6.10% | 6.60% | Below ₹3 crore | |
535 days UCO 535 |
6.60% | 7.10% | — | Below ₹3 crore |
536 days to 2 years |
6.10% | 6.60% | Below ₹3 crore | |
Above 2 years to 999 days |
6.00% | 6.50% | — | Below ₹3 crore |
Above 2 years to 3 years |
5.25% | — | — | ₹3 crore to ₹10 crore |
Above 2 years to 3 years Non-Callable |
5.30% | — | — | ₹3 crore to ₹10 crore |
Above 2 years to 3 years |
5.25% | — | — | Above ₹10 crore |
Above 2 years to 3 years Non-Callable |
5.30% | — | — | Above ₹10 crore |
1000 days UCO Green Deposit |
6.20% | 6.70% | — | Below ₹3 crore |
1001 days to 3 years |
6.00% | 6.50% | Below ₹3 crore | |
Above 3 years to 5 years |
6.00% | 6.50% | — | Below ₹3 crore |
Above 3 years to 5 years |
4.75% | 6.50% | — | ₹3 crore to ₹10 crore |
Above 3 years to 5 years Non-Callable |
4.80% | — | — | ₹3 crore to ₹10 crore |
Above 3 years to 5 years |
4.75% | 6.50% | — | Above ₹10 crore |
Above 3 years to 5 years Non-Callable |
4.80% | — | — | Above ₹10 crore |
Above 5 years to 1999 days |
6.00% | 6.50% | — | Below ₹3 crore |
Above 5 years |
4.75% | — | — | ₹3 crore to ₹10 crore |
Above 5 years |
4.75% | — | — | Above ₹10 crore |
Above 5 years Non-Callable |
4.80% | — | — | Above ₹10 crore |
2000 days UCO Green Deposit |
6.20% | 6.70% | — | Below ₹3 crore |
2001 to 2999 days |
6.00% | 6.50% | Below ₹3 crore | |
3000 days UCO Green Deposit |
6.20% | 6.70% | — | Below ₹3 crore |
Above 3000 days |
6.00% | 6.50% | — | Below ₹3 crore |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 year |
6.10% | 6.35% | Any amount | |
Above 1 year to 443 days |
6.10% | 6.60% | — | Any amount |
444 days |
6.45% | 6.95% | — | Any amount |
445 to 534 days |
6.10% | 6.60% | Any amount | |
535 days |
6.60% | 7.10% | — | Any amount |
536 days to 2 years |
6.10% | 6.60% | Any amount | |
Above 2 years to 999 days |
6.00% | 6.50% | — | Any amount |
1000 days |
6.20% | 6.70% | — | Any amount |
1001 days to 3 years |
6.00% | 6.50% | Any amount | |
Above 3 years to 5 years |
6.00% | 6.50% | — | Any amount |
Above 5 years to 1999 days |
6.00% | 6.50% | — | Any amount |
2000 days |
6.20% | 6.70% | — | Any amount |
2001 to 2999 days |
6.00% | 6.50% | Any amount | |
3000 days |
6.20% | 6.70% | Any amount | |
Above 3000 days |
6.00% | 6.50% | — | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.50% | — | Upto ₹10 lakh | |
Any tenure |
2.50% | — | Above ₹10 lakh |
Deposits with UCO Bank are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.
Informational only — always confirm the current rate on the official UCO website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
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