Rates verified from official source

Uttar Pradesh Gramin Bank Fixed Deposit interest rates · November 2026

UPGB's best Fixed Deposit rate is 6.65% (नवगौरव 444 दिवस जमा योजना), 2.85 points below the best on the market (9.50%).

  • Seniors: up to 6.90% (Above 03 yrs to less than 05 yrs), 0.50 points above the general rate for that tenure.

What will my FD earn at UPGB?

Estimated value after 1 year · before tax ₹5,31,990 6.25% p.a. · ₹31,990 interest · quarterly compounding
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Deposit amount

Showing 7 of 21 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 to 45 days
3 slabs at this rate
Below ₹1 crore
 3.00% 3.50% Below ₹1 crore
21 Apr 2026
✓ verified 13 Nov 2026
official
fetched 18 Oct 2026
46 to 269 days
4 slabs at this rate
Below ₹1 crore
 4.50% 5.00% Below ₹1 crore
21 Apr 2026
✓ verified 13 Nov 2026
official
fetched 18 Oct 2026
270 days to
less than 01 year
Below ₹1 crore
 5.50% 6.00% Below ₹1 crore
21 Apr 2026
✓ verified 13 Nov 2026
official
fetched 18 Oct 2026
01 year
Below ₹1 crore
 6.25% 6.75% Below ₹1 crore
21 Apr 2026
✓ verified 13 Nov 2026
official
fetched 18 Oct 2026
Above 01 yrs
to 3 yrs
2 slabs at this rate
Below ₹1 crore
 6.30% 6.80% Below ₹1 crore
21 Apr 2026
✓ verified 13 Nov 2026
official
fetched 18 Oct 2026
नवगौरव 444
दिवस जमा योजना
Navgaurav 444 days
 6.65% – Below ₹3 crore
21 Apr 2026
✓ verified 13 Nov 2026
official
fetched 18 Oct 2026
Above 03 yrs
to 10 yrs
2 slabs at this rate
 6.40% 6.90% Below ₹1 crore
21 Apr 2026
✓ verified 13 Nov 2026
official
fetched 18 Oct 2026
Best rates Best 1 year Fixed Deposit rates in Uttar PradeshCompare rates →

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UPGB FD return examples

Deposit366 days6.30%Highest rate1096 days6.40%Highest rate5 years6.40%Highest rate10 years6.40%
₹50,000₹53,234₹3,225 a year₹263/mo★₹60,502₹3,278 a year₹267/mo★₹68,682₹3,278 a year₹267/mo★₹94,345₹3,278 a year₹267/mo
₹1 lakh₹1,06,469₹6,450 a year₹525/mo★₹1,21,004₹6,555 a year₹533/mo★₹1,37,364₹6,555 a year₹533/mo★₹1,88,690₹6,555 a year₹533/mo
₹2 lakh₹2,12,937₹12,901 a year₹1,050/mo★₹2,42,008₹13,110 a year₹1,067/mo★₹2,74,729₹13,110 a year₹1,067/mo★₹3,77,380₹13,110 a year₹1,067/mo
₹5 lakh₹5,32,343₹32,252 a year₹2,625/mo★₹6,05,020₹32,776 a year₹2,667/mo★₹6,86,822₹32,776 a year₹2,667/mo★₹9,43,449₹32,776 a year₹2,667/mo
₹10 lakh₹10,64,686₹64,504 a year₹5,250/mo★₹12,10,041₹65,552 a year₹5,333/mo★₹13,73,644₹65,552 a year₹5,333/mo★₹18,86,898₹65,552 a year₹5,333/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

6.25%
Compare 1 year rates → Estimate my return
Market rank & rate source

#739 of 1033

01 year · Below ₹1 crore

Official rate sheet ↗
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Before you book

UPGB Fixed Deposit: frequently asked questions

What is the highest UPGB Fixed Deposit interest rate?

As of 14 Nov 2026, Uttar Pradesh Gramin Bank offers up to 6.65% p.a. on its fixed deposit (FD) (नवगौरव 444 दिवस जमा योजना) for general customers and 6.90% p.a. (Above 03 yrs to less than 05 yrs) for senior citizens. Rates below are as published by the bank. Confirm with UPGB before investing.

See today's top interest rates →

What is the UPGB 1-year FD interest rate?

As of 14 Nov 2026, Uttar Pradesh Gramin Bank offers 6.25% p.a. on a 1-year FD for general customers and 6.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 21 Apr 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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What is the UPGB 2-year FD interest rate?

As of 14 Nov 2026, Uttar Pradesh Gramin Bank offers 6.30% p.a. on a 2-year FD for general customers and 6.80% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 21 Apr 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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What is the UPGB 3-year FD interest rate?

As of 14 Nov 2026, Uttar Pradesh Gramin Bank offers 6.30% p.a. on a 3-year FD for general customers and 6.80% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 21 Apr 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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What is the UPGB 5-year FD interest rate?

As of 14 Nov 2026, Uttar Pradesh Gramin Bank offers 6.40% p.a. on a 5-year FD for general customers and 6.90% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 21 Apr 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 UPGB?

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

See today's top senior citizen rates →

When did UPGB last change its Fixed Deposit rates?

RateScan.in has recorded no change to Uttar Pradesh Gramin Bank's fixed deposit (FD) rates since it started tracking them on 22 Sept 2026.

Rate movements →

What fixed deposit (FD) tenures does UPGB offer?

Uttar Pradesh Gramin Bank's published fixed deposit (FD) rate table has 13 tenure bands, from “7 to 14 days” to “05 yrs to up to 10 yrs”.

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

Yes. Uttar Pradesh Gramin Bank's table lists separate bands: Below ₹1 crore; ₹1 crore to below ₹5 crore; ₹5 crore & above; Below ₹3 crore. Each row shows the band it applies to.

Does UPGB have special fixed deposit (FD) schemes?

Uttar Pradesh Gramin Bank's rate table lists these named schemes (1): Navgaurav 444 days. Check eligibility and end dates with the bank.

Does UPGB pay more than the Post Office Time Deposit?

Uttar Pradesh Gramin Bank pays more than the Post Office Time Deposit at 0 of 4 standard tenures compared (general rates). Rates: 1y 6.25% (PO 6.90%), 2y 6.30% (PO 7.00%), 3y 6.30% (PO 7.10%), 5y 6.40% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

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

Uttar Pradesh Gramin Bank's 1-year general FD rate of 6.25% ranks #739 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.

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Is my fixed deposit (FD) with UPGB insured?

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

How current are these UPGB rates?

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

Rate movements →

More UPGB rates

UPGB overviewUPGB Savings ratesUPGB NRE FD rates

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Compare UPGB with similar banks

Nearby banks paying a little more at 1 year

Nainital 6.30%Urban Co-op Bank Bareilly 6.30%DCB Mirzapur 6.40%

Banks with a similar rate at 1 year

HGB 6.25%UKGB 6.25%MPGB 6.30%

Best FD rates among regional rural banks → Best FD rates in Uttar Pradesh →

Good to know

  • Deposits with Uttar Pradesh Gramin 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.
  • UPGB is a regional rural bank, jointly owned by the Government of India, a sponsor bank and a state government, and supervised by the RBI and NABARD.
  • Senior citizens (60+) earn up to 0.50% p.a. more than general customers at UPGB, depending on the tenure.
  • UPGB's FD table includes 1 special schemes; check eligibility and end dates.
official Effective 21 Apr 2026 · Ingested 18 Oct 2026 · Verified 13 Nov 2026 · View source

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