Ujjivan Small Finance Bank (ujjivansfb) Interest Rates November 2026: FD, RD & Savings

Ujjivan FD rates

1 year7.25%Senior 7.75%3 years7.25%Senior 7.75%5 years7.20%Senior 7.70%

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What will my FD earn at Ujjivan?

Deposit amount (₹)

Term

Customer

Estimated value after 1 year · before tax ₹5,37,248 7.25% p.a. · ₹37,248 interest · quarterly compounding

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Monthly deposit (₹)

Term

Customer

—

Before opening an RD

Estimates assume on-time monthly installments and quarterly compounding. Confirm the term, minimum installment, late payment rules, and early closure terms with the bank.

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Overview

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 0.40% above the small finance bank average of 6.85%, ranking #190 of 1033 banks on RateScan.in.

Headquarters

Bengaluru

Established

2017

Monitored since

21 Sept 2026

Ownership

Private (small finance bank)

Operates in

Andhra Pradesh, Assam, Bihar, Chhattisgarh + 22 more states

Financial health

CRAR

24.90%

Capital adequacy

Net NPA

0.49%

Bad loans (net)

Credit rating CARE

AA-

Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.

Rates as of 5 Jun 2026, verified from official source. Scheduled small finance bank (RBI-licensed): deposits insured by DICGC up to ₹5,00,000.

RBI record

Every RBI press release since 1 Jan 2024 that names Ujjivan Small Finance Bank, newest first, each linked to RBI. Checked every week; last on 11 Nov 2026.

A monetary penalty is a fine for not following an RBI rule. On its own it does not stop the bank taking or repaying deposits; RBI does that through directions, which are listed here when they apply.

14 Feb 2025

RBI fined the bank ₹6.70 lakh
RBI's reason: “for non-compliance with certain directions issued by RBI on ‘Loans and Advances - Statutory and Other Restrictions’”
What RBI found
“The bank failed to issue loan agreements to certain borrowers at the time of sanction / disbursement of loans.”
RBI says: “This action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers.”
RBI press release 2024-2025/2171

This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.

Branches

826 branches in 319 districts

Most branches: Bengaluru Urban 21, Delhi 15, Kolkata 11

From RBI's IFSC directory (updated 1 Nov 2026). Counts can include recently merged or closed branches; check the bank's branch locator before visiting.

Ujjivan rates

Every rate, tenure by tenure, and what your money grows to.

Fixed Deposit8.10%Senior citizens 8.60% · 3 year 1 day – 3 year 6 monthsSee rates →Recurring Deposit8.10%3 year 1 day – 3 year 6 monthsSee rates →Savings Account7.15%See rates →

Compare Ujjivan FD rates with banks near you →

Ujjivan Fixed Deposit rate changes

Changes to Ujjivan's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 21 Sept 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.

24 Oct 2026

▲ 2 raised+0.30 pp

3 Year 1 Day – 3 year 6 months · General7.80% → 8.10% 0.30 pp
3 Year 1 Day – 3 year 6 months · Senior8.30% → 8.60% 0.30 pp

Bank's rate page ↗

See all Ujjivan rate changes →

Compare Ujjivan with other banks

See Ujjivan FD rates side by side against India's top banks.

Ujjivan vs SBI Ujjivan vs PNB Ujjivan vs BoB Ujjivan vs Canara Ujjivan vs Union Ujjivan vs BOI Ujjivan vs HDFC Ujjivan vs ICICI Ujjivan vs Axis Ujjivan vs Kotak Ujjivan vs IndusInd Ujjivan vs Yes Ujjivan vs IDFC First Ujjivan vs Federal Ujjivan vs Bandhan Ujjivan vs RBL Ujjivan vs AU Ujjivan vs Equitas

Credit rating

What independent credit rating agencies say about Ujjivan Small Finance Bank. Every rating links to the document it comes from, so you can check it yourself.

AA-

Headline rating

Fixed deposits · CARE · Stable

High safety: very low credit risk

Latest rating action: 23 Mar 2026

Agency	Instrument	Rating	Outlook	Published	Source
CARE	Fixed deposits ₹10,000 cr	AA-	Stable	Reaffirmed 23 Mar 2026	Exchange filing
CARE	Non-convertible debentures ₹500 cr Subordinated non-convertible debentures	AA-	Stable	Reaffirmed 23 Mar 2026	Exchange filing
ICRA	Certificates of deposit (short-term) ₹2,500 cr	A1+	–	Reaffirmed 15 Sept 2026	Exchange filing
CRISIL	Certificates of deposit (short-term) ₹375 cr	A1+	–	Reaffirmed 9 Jan 2026	Agency rationale

Note: Earlier versions of this page attributed AA- to CRISIL. CRISIL rates only Ujjivan's short-term certificates of deposit; the AA- on deposits is from CARE.

How to read these ratings

Scale: AAA is the highest long-term grade (lowest credit risk), then AA (very low risk), A (low risk) and BBB (moderate risk, the lowest investment grade). A + or − moves a grade up or down a notch. Short-term ratings such as A1+ cover obligations of up to a year.
Outlook: Stable, Positive or Negative is the agency's view of where the rating is likely to go over the next one to two years. Rating watch means the agency is reviewing the rating after a specific event, such as a change of owner.
Instrument: a rating belongs to a specific instrument, not to the whole bank. Tier I (AT1) and Tier II bonds can be written down if the RBI declares a bank non-viable, so they are usually rated no higher than the bank's deposits.
Headline grade: we use the rating on fixed deposits where an agency gives one; otherwise the issuer or Tier II rating. We take each agency's latest rating and show the lowest, so the headline is never more generous than any agency's latest view.
A rating is an opinion about the ability to repay on time. It is not a guarantee or a recommendation. Whatever the rating, deposits in a bank are insured by DICGC up to ₹5 lakh per depositor per bank (principal and interest together).

Sources: we list a rating only when we can point to the document that states it: the agency's own rating rationale, the bank's Regulation 30 filing on the NSE or BSE, a rating letter, or the bank's own rating page. A weekly automated check re-opens each linked document to confirm it still shows the grade and scans stock-exchange announcements for new rating filings. Last checked: 9 Nov 2026.

Check it yourself: CRISIL · ICRA · CARE · India Ratings · Infomerics

Ratings change. Confirm the current rating with the agency before you invest. This is information, not investment advice.

Good to know

Deposits with Ujjivan Small Finance 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.
Ujjivan is a small finance bank licensed and regulated by the RBI.
Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Ujjivan, depending on the tenure.

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.

Ujjivan Small Finance Bank interest rates · November 2026