Uttarakhand Gramin Bank (UKGB) is a nationalised public sector bank, headquartered in Dehradun, established in 2019. Its headline 1-year FD rate of 6.25% is −0.32% below the public sector average of 6.57%, ranking #26 of 28 public sector banks.
Rates as of 1 Aug 2025, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at UKGB (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 14 days |
3.05% | 3.05% | — | Below ₹1 crore |
7 days to 14 days |
4.50% | 3.05% | — | ₹1 crore and above |
15 days to 28 days |
3.05% | 3.05% | — | Below ₹1 crore |
15 days to 28 days |
5.00% | 3.05% | — | ₹1 crore and above |
29 days to 45 days |
3.05% | 3.05% | — | Below ₹1 crore |
29 days to 45 days |
5.00% | 3.05% | — | ₹1 crore and above |
46 days to 90 days |
4.90% | 4.90% | Below ₹1 crore | |
46 days to 90 days |
5.10% | 4.90% | ₹1 crore and above | |
91 days to 180 days |
4.90% | 4.90% | Below ₹1 crore | |
91 days to 180 days |
5.10% | 4.90% | ₹1 crore and above | |
181 days to less than 1 year |
5.65% | 6.15% | Below ₹1 crore | |
181 days to less than 1 year |
5.60% | 6.15% | ₹1 crore and above | |
1 year |
6.25% | 6.75% | — | Below ₹1 crore |
1 year |
6.25% | 6.75% | — | ₹1 crore and above |
Above 1 year to less than 2 years |
6.25% | 6.75% | — | Below ₹1 crore |
Above 1 year to less than 2 years |
6.25% | 6.75% | — | ₹1 crore and above |
2 years to less than 3 years |
6.45% | 6.95% | Below ₹1 crore | |
2 years to less than 3 years |
6.15% | 6.95% | ₹1 crore and above | |
3 years to less than 5 years |
6.30% | 6.80% | Below ₹1 crore | |
3 years to less than 5 years |
6.00% | 6.80% | ₹1 crore and above | |
5 years to 10 years |
6.05% | 6.55% | Below ₹1 crore | |
5 years to 10 years |
6.00% | 6.55% | ₹1 crore and above |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 year |
6.25% | 6.75% | — | Any amount |
Above 1 year to less than 2 years |
6.25% | 6.75% | — | Any amount |
2 years to less than 3 years |
6.45% | 6.95% | — | Any amount |
3 years to less than 5 years |
6.30% | 6.80% | — | Any amount |
5 years to 10 years |
6.05% | 6.55% | — | Any amount |
Deposits with Uttarakhand Gramin 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 UKGB 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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