Ujjivan Small Finance Bank (Ujjivan) is a small finance bank, headquartered in Bengaluru, established in 2017. Its headline 1-year FD rate of 7.25% is +0.53% above the small finance bank average of 6.72%, ranking #2 of 10 small finance banks.
Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.
Rates as of 1 Sept 2026, verified from official source. Scheduled small finance bank (RBI-licensed) — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at Ujjivan (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 days to 29 days |
3.50% | 4.00% | Below ₹3 crore | |
30 days to 89 days |
4.15% | 4.65% | Below ₹3 crore | |
90 days to 179 days |
4.65% | 5.15% | Below ₹3 crore | |
180 days |
6.00% | 6.50% | Below ₹3 crore | |
6 months to < 1 year |
5.50% | 6.00% | Below ₹3 crore | |
1 Year to < 2 years |
7.25% | 7.75% | Below ₹3 crore | |
2 Years |
7.55% | 8.05% | Below ₹3 crore | |
2 Year 1 day - 3 Year |
7.25% | 7.75% | Below ₹3 crore | |
3 Year 1 Day – 3 year 6 months |
7.80% | 8.30% | Below ₹3 crore | |
>3 Year 6 months- 5 Years |
7.20% | 7.70% | Below ₹3 crore | |
5 years 1 day |
7.30% | 7.80% | Below ₹3 crore | |
5 Years 2 Days - 10 Years |
6.50% | 7.00% | Below ₹3 crore |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 Year to < 2 years |
7.25% | 7.75% | Any amount | |
2 Year 1 day - 3 Year |
7.25% | 7.75% | Any amount | |
3 Year 1 Day – 3 year 6 months |
7.80% | 8.30% | Any amount | |
>3 Year 6 months- 5 Years |
7.20% | 7.70% | Any amount | |
5 Years 2 Days - 10 Years |
6.50% | 7.00% | Any amount |
Deposits with Ujjivan Small Finance 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 Ujjivan 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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