Rates verified from official source

UCO Bank Fixed Deposit interest rates · November 2026

UCO's best Fixed Deposit rate is 6.70% (535 days), 2.80 points below the best on the market (9.50%).

  • Seniors: up to 7.20% (535 days), 0.50 points above the general rate for that tenure.

What will my FD earn at UCO?

Estimated value after 1 year · before tax ₹5,31,205 6.10% p.a. · ₹31,205 interest · quarterly compounding
Compare 1 year across banks → Save or plan this →
Deposit amount
Deposit type

Showing 24 of 113 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 to 14 days
Callable
 2.90% 3.15% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 18 Oct 2026
15 to 29 days
Callable
 2.90% 3.15% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 18 Sept 2026
30 to 45 days
Callable
 3.00% 3.25% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 18 Sept 2026
46 to 90 days
2 slabs at this rate
CallableBelow ₹3 crore
 3.50% 3.75% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 18 Sept 2026
91 to 120 days
CallableBelow ₹3 crore
 4.25% 4.50% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 18 Oct 2026
121 to 150 days
Callable
 4.25% 4.50% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 18 Sept 2026
151 to 180 days
Callable
 4.75% 5.00% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 18 Sept 2026
181 to 332 days
Callable
 5.00% 5.25% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 18 Sept 2026
334 to 364 days
Callable
 5.00% 5.25% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 18 Sept 2026
1 year
CallableBelow ₹3 crore
 6.10% 6.35% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 18 Oct 2026
above 1 year
to 443 days
Callable
 6.10% 6.60% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
444 days
UCO 444
 6.45% 6.95% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
445 to 534 days
Callable
 6.10% 6.60% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 18 Sept 2026
535 days
UCO 535
 6.70% 7.20% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 13 Nov 2026
536 to 2 years
Callable
 6.10% 6.60% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 18 Sept 2026
above 2 years
to 999 days
Callable
 6.00% 6.50% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
1000 days
UCO Green Deposit
 6.20% 6.70% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
1001 to 3 years
Callable
 6.00% 6.50% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 18 Sept 2026
above 3 years
to 5 years
CallableBelow ₹3 crore
 6.00% 6.50% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 18 Oct 2026
above 5 years
to 1999 days
Callable
 6.00% 6.50% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
2000 days
UCO Green Deposit
 6.20% 6.70% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
2001 to 2999 days
Callable
 6.00% 6.50% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 18 Sept 2026
3000 days
UCO Green Deposit
 6.20% 6.70% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
above 3000 days
Callable
 6.00% 6.50% Below ₹3 crore
21 May 2026
✓ verified 13 Nov 2026
official
fetched 26 Sept 2026
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UCO FD return examples

DepositHighest rate535 days6.70%1000 days6.20%2000 days6.20%3000 days6.20%
₹50,000★₹55,115₹3,435 a year₹279/mo₹59,180₹3,173 a year₹258/mo₹70,045₹3,173 a year₹258/mo₹82,906₹3,173 a year₹258/mo
₹1 lakh★₹1,10,229₹6,870 a year₹558/mo₹1,18,360₹6,346 a year₹517/mo₹1,40,091₹6,346 a year₹517/mo₹1,65,811₹6,346 a year₹517/mo
₹2 lakh★₹2,20,458₹13,740 a year₹1,117/mo₹2,36,720₹12,691 a year₹1,033/mo₹2,80,181₹12,691 a year₹1,033/mo₹3,31,623₹12,691 a year₹1,033/mo
₹5 lakh★₹5,51,146₹34,351 a year₹2,792/mo₹5,91,800₹31,728 a year₹2,583/mo₹7,00,454₹31,728 a year₹2,583/mo₹8,29,056₹31,728 a year₹2,583/mo
₹10 lakh★₹11,02,292₹68,702 a year₹5,583/mo₹11,83,599₹63,456 a year₹5,167/mo₹14,00,907₹63,456 a year₹5,167/mo₹16,58,113₹63,456 a year₹5,167/mo

Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.

FD rates by tenure

Select a term · Annual rates for ₹5,00,000

1 year

6.10%
Compare 1 year rates → Estimate my return
Market rank & rate source

#809 of 1033

1 year · Below ₹3 crore

Official rate sheet ↗
See all published rates
Before you book

UCO Fixed Deposit: frequently asked questions

What is the highest UCO Fixed Deposit interest rate?

As of 14 Nov 2026, UCO Bank offers up to 6.70% p.a. on its fixed deposit (FD) (535 days) for general customers and 7.20% p.a. (535 days) for senior citizens. Rates below are as published by the bank. Confirm with UCO before investing.

See today's top interest rates →

What is the UCO 1-year FD interest rate?

As of 14 Nov 2026, UCO Bank offers 6.10% p.a. on a 1-year FD for general customers and 6.35% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 21 May 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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What is the UCO 2-year FD interest rate?

As of 14 Nov 2026, UCO Bank offers 6.10% p.a. on a 2-year FD for general customers and 6.60% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 21 May 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

Compare 2-year FD rates →

What is the UCO 3-year FD interest rate?

As of 14 Nov 2026, UCO Bank offers 6.00% p.a. on a 3-year FD for general customers and 6.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 21 May 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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What is the UCO 5-year FD interest rate?

As of 14 Nov 2026, UCO Bank offers 6.00% p.a. on a 5-year FD for general customers and 6.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 21 May 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

Compare 5-year FD rates →

Do senior citizens get higher Fixed Deposit rates at UCO?

Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at UCO Bank, depending on the tenure.

See today's top senior citizen rates →

When did UCO last change its Fixed Deposit rates?

UCO Bank last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 13 Nov 2026: the general rate for 181 to 210 days · Above ₹100 crore went from 7.11% to 5.05%. RateScan.in has tracked UCO's rates since 18 Sept 2026.

Rate movements →

What fixed deposit (FD) tenures does UCO offer?

UCO Bank's published fixed deposit (FD) rate table has 32 tenure bands, from “7 to 14 days” to “above 5 years”.

Does UCO pay different fixed deposit (FD) rates by deposit size?

Yes. UCO Bank's table lists separate bands: Below ₹3 crore; ₹3 crore to ₹10 crore; Above ₹10 crore to ₹50 crore; Above ₹50 crore to ₹100 crore; Above ₹100 crore. Each row shows the band it applies to.

Does UCO have special fixed deposit (FD) schemes?

UCO Bank's rate table lists these named schemes (4): Non-Callable; UCO 444; UCO 535; UCO Green Deposit. Check eligibility and end dates with the bank.

Does UCO pay more than the Post Office Time Deposit?

UCO Bank pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.10% (PO 6.90%), 2y 6.10% (PO 7.00%), 3y 6.00% (PO 7.10%), 5y 6.00% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

How does UCO's 1-year FD rate rank?

UCO Bank's 1-year general FD rate of 6.10% ranks #809 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.

Compare 1-year FD rates →

Is my fixed deposit (FD) with UCO insured?

Deposits with UCO Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these UCO rates?

RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 21 May 2026. Rates can change without notice, so verify on the official UCO website before investing.

Rate movements →

More UCO rates

UCO overviewUCO Recurring Deposit ratesUCO Savings ratesUCO NRE FD ratesUCO FCNR(B) rates

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Compare UCO with similar banks

Nearby banks paying a little more at 1 year

Union 6.20%BoB 6.25%PNB 6.25%

Banks with a similar rate at 1 year

Central 6.10%Indian 6.10%SBI 6.25%

Best FD rates among public sector banks →

Good to know

  • Deposits with UCO Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
  • UCO is a public sector bank, majority owned by the Government of India. Deposit insurance is still the DICGC cover above.
  • Senior citizens (60+) earn up to 0.50% p.a. more than general customers at UCO, depending on the tenure.
  • UCO's FD table includes 4 special schemes; check eligibility and end dates.
official Effective unavailable · Ingested 3 Oct 2026 · Verified 13 Nov 2026 · View source

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.