Rates verified from official source

Utkarsh Small Finance Bank
deposit rates

Top FD rate
8.10%
666 Days · 666-day Special
Senior citizen FD
8.25%
666 Days · 666-day Special
1-year FD rank
#10
of 10 small finance banks · 6.00%

Overview

www.utkarsh.bank

Utkarsh Small Finance Bank (Utkarsh) is a small finance bank, headquartered in Varanasi, established in 2017. Its headline 1-year FD rate of 6.00% is −0.86% below the small finance bank average of 6.86%, ranking #10 of 10 small finance banks.

Headquarters
Varanasi
Established
2017
Ownership
Private (small finance bank)
Operates in
Andhra Pradesh, Assam, Bihar, Chhattisgarh + 23 more states
Financial health
CRAR
21.40%
Capital adequacy
Net NPA
2.30%
Bad loans (net)

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

1-year FD rate
6.00%
−0.86% below the small finance bank average of 6.86%
Peer rank
#10
of 10 small finance banks
Recent movement
unchanged

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

Maturity calculator

Estimate returns at Utkarsh (quarterly compounding)

₹
—

Fixed Deposit rates

Rates for deposits below ₹3 crore · General vs Senior · trend over time

4%5%6%7%8% 7 Days to 45 Days: 4.00% 46 Days to 90 Days: 4.50% 91 Days to 180 Days: 5.00% 181 Days to 370 Days: 6.00% 371 Days to 665 Days: 7.25% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 666 Days · 666-day Special: 8.10% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 667 Days to 2 Years: 7.25% · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 Years to 3 Years: 7.50% · Post Office TD: 7.00% (above the govt-guaranteed benchmark) Above 3 Years to less than 4 Years: 7.25% · Post Office TD: 7.10% (above the govt-guaranteed benchmark) 4 Years to 5 Years: 7.00% · Post Office TD: 7.10% (at/below the govt-guaranteed benchmark) Above 5 Years to 10 Years: 6.75% · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d2m3m6m371d666d667d2y3y4y5y 4.004.505.006.007.258.107.257.507.257.006.75 General Post Office TD Special scheme

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.

4%5%6%7%8% 7 Days to 45 Days: 4.50% (General: 4.00%) 46 Days to 90 Days: 5.00% (General: 4.50%) 91 Days to 180 Days: 5.50% (General: 5.00%) 181 Days to 370 Days: 6.50% (General: 6.00%) 371 Days to 665 Days: 7.75% (General: 7.25%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 666 Days · 666-day Special: 8.25% (General: 8.10%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 667 Days to 2 Years: 7.75% (General: 7.25%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 Years to 3 Years: 8.00% (General: 7.50%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) Above 3 Years to less than 4 Years: 7.75% (General: 7.25%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) 4 Years to 5 Years: 7.50% (General: 7.00%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) Above 5 Years to 10 Years: 7.25% (General: 6.75%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d2m3m6m371d666d667d2y3y4y5y 4.505.005.506.507.758.257.758.007.757.507.25 Senior General Post Office TD Special scheme

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.

4%5%6%7%8% 7 Days to 45 Days: 4.50% (Senior: 4.50%) 46 Days to 90 Days: 5.00% (Senior: 5.00%) 91 Days to 180 Days: 5.50% (Senior: 5.50%) 181 Days to 370 Days: 6.50% (Senior: 6.50%) 371 Days to 665 Days: 7.75% (Senior: 7.75%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 666 Days · 666-day Special: 8.25% (Senior: 8.25%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 667 Days to 2 Years: 7.75% (Senior: 7.75%) · Post Office TD: 6.90% (above the govt-guaranteed benchmark) 2 Years to 3 Years: 8.00% (Senior: 8.00%) · Post Office TD: 7.00% (above the govt-guaranteed benchmark) Above 3 Years to less than 4 Years: 7.75% (Senior: 7.75%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) 4 Years to 5 Years: 7.50% (Senior: 7.50%) · Post Office TD: 7.10% (above the govt-guaranteed benchmark) Above 5 Years to 10 Years: 7.25% (Senior: 7.25%) · Post Office TD: 7.50% (at/below the govt-guaranteed benchmark) 7d2m3m6m371d666d667d2y3y4y5y 4.505.005.506.507.758.257.758.007.757.507.25 Senior Senior Post Office TD Special scheme

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.

TenureGeneralSeniorTrendApplies to
7 Days to 45 Days
 4.00% 4.50% Below ₹3 crore (retail)
46 Days to 90 Days
 4.50% 5.00% Below ₹3 crore (retail)
91 Days to 180 Days
 5.00% 5.50% Below ₹3 crore (retail)
181 Days to 370 Days
 6.00% 6.50% Below ₹3 crore (retail)
371 Days to 665 Days
 7.25% 7.75% Below ₹3 crore (retail)
666 Days
666-day Special
 8.10% 8.25% Below ₹3 crore (retail)
667 Days to 2 Years
 7.25% 7.75% Below ₹3 crore (retail)
2 Years to 3 Years
 7.50% 8.00% Below ₹3 crore (retail)
Above 3 Years to less than 4 Years
 7.25% 7.75% Below ₹3 crore (retail)
4 Years to 5 Years
 7.00% 7.50% Below ₹3 crore (retail)
Above 5 Years to 10 Years
 6.75% 7.25% Below ₹3 crore (retail)
Source ↗

Recurring Deposit rates

Rates for deposits below ₹3 crore · general vs senior citizen · trend over time

TenureGeneralSeniorTrendApplies to
371 Days to 665 Days
 7.25% 7.75% Any amount
667 Days to 2 Years
 7.25% 7.75% Any amount
2 Years to 3 Years
 7.50% 8.00% Any amount
Above 3 Years to less than 4 Years
 7.25% 7.75% Any amount
4 Years to 5 Years
 7.00% 7.50% Any amount
Above 5 Years to 10 Years
 6.75% 7.25% Any amount
Source ↗

Good to know

Deposits with Utkarsh 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.

official Effective 5 May 2026 · Verified 25 Sept 2026 · View source

Informational only — always confirm the current rate on the official Utkarsh 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.