Ujjivan Small Finance Bank Fixed Deposit interest rates · November 2026
What will my FD earn at Ujjivan?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 days to 29 days |
3.50% | 4.00% | Below ₹3 crore | 24 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 21 Sept 2026 |
30 days to 89 days |
4.15% | 4.65% | Below ₹3 crore | 24 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 21 Sept 2026 |
90 days to 179 days |
4.65% | 5.15% | Below ₹3 crore | 24 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 21 Sept 2026 |
180 days |
6.00% | 6.50% | Below ₹3 crore | 24 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 21 Sept 2026 |
6 months to < 1 year |
5.50% | 6.00% | Below ₹3 crore | 24 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 21 Sept 2026 |
1 Year to < 2 years |
7.25% | 7.75% | Below ₹3 crore | 24 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 21 Sept 2026 |
2 Years |
7.55% | 8.05% | Below ₹3 crore | 24 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 21 Sept 2026 |
2 Year 1 day - 3 Year |
7.25% | 7.75% | Below ₹3 crore | 24 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 21 Sept 2026 |
3 Year 1 Day – 3 year 6 months |
8.10% | 8.60% | Below ₹3 crore | 24 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 24 Oct 2026 |
>3 Year 6 months- 5 Years |
7.20% | 7.70% | Below ₹3 crore | 24 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 21 Sept 2026 |
5 years 1 day |
7.30% | 7.80% | Below ₹3 crore | 24 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 21 Sept 2026 |
5 Years 2 Days - 10 Years |
6.50% | 7.00% | Below ₹3 crore | 24 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 21 Sept 2026 |
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Ujjivan FD return examples
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
1 year
7.25%Before you book
Ujjivan Fixed Deposit: frequently asked questions
What is the highest Ujjivan Fixed Deposit interest rate?
As of 14 Nov 2026, Ujjivan Small Finance Bank offers up to 8.10% p.a. on its fixed deposit (FD) (3 Year 1 Day – 3 year 6 months) for general customers and 8.60% p.a. (3 Year 1 Day – 3 year 6 months) for senior citizens. Rates below are as published by the bank. Confirm with Ujjivan before investing.
What is the Ujjivan 1-year FD interest rate?
As of 14 Nov 2026, Ujjivan Small Finance Bank offers 7.25% p.a. on a 1-year FD for general customers and 7.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 24 Oct 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Ujjivan 2-year FD interest rate?
As of 14 Nov 2026, Ujjivan Small Finance Bank offers 7.55% p.a. on a 2-year FD for general customers and 8.05% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 24 Oct 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Ujjivan 3-year FD interest rate?
As of 14 Nov 2026, Ujjivan Small Finance Bank offers 7.25% p.a. on a 3-year FD for general customers and 7.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 24 Oct 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Ujjivan 5-year FD interest rate?
As of 14 Nov 2026, Ujjivan Small Finance Bank offers 7.20% p.a. on a 5-year FD for general customers and 7.70% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 24 Oct 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Ujjivan?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Ujjivan Small Finance Bank, depending on the tenure.
When did Ujjivan last change its Fixed Deposit rates?
Ujjivan Small Finance Bank last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 24 Oct 2026: the general rate for 3 Year 1 Day – 3 year 6 months went from 7.80% to 8.10%. RateScan.in has tracked Ujjivan's rates since 21 Sept 2026.
What fixed deposit (FD) tenures does Ujjivan offer?
Ujjivan Small Finance Bank's published fixed deposit (FD) rate table has 12 tenure bands, from “7 days to 29 days” to “5 Years 2 Days - 10 Years”.
Does Ujjivan pay more than the Post Office Time Deposit?
Ujjivan Small Finance Bank pays more than the Post Office Time Deposit at 3 of 4 standard tenures compared (general rates). Rates: 1y 7.25% (PO 6.90%), 2y 7.55% (PO 7.00%), 3y 7.25% (PO 7.10%), 5y 7.20% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Ujjivan's 1-year FD rate rank?
Ujjivan Small Finance Bank's 1-year general FD rate of 7.25% ranks #190 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
Is my fixed deposit (FD) with Ujjivan insured?
Deposits with Ujjivan Small Finance Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Ujjivan rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 24 Oct 2026. Rates can change without notice, so verify on the official Ujjivan website before investing.
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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.
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