Rates verified from official source

Utkarsh Small Finance Bank Fixed Deposit interest rates · October 2026

As of 5 Oct 2026, Utkarsh Small Finance Bank offers up to 8.10% p.a. on its fixed deposit (FD) (666 Days) for general customers and 8.25% p.a. (666 Days) for senior citizens. Rates below are as published by the bank — confirm with Utkarsh before investing.

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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 toAs ofSource
7 Days to 45 Days
 4.00% 4.50% Below ₹3 crore (retail)
5 May 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
46 Days to 90 Days
 4.50% 5.00% Below ₹3 crore (retail)
5 May 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
91 Days to 180 Days
 5.00% 5.50% Below ₹3 crore (retail)
5 May 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
181 Days to 370 Days
 6.00% 6.50% Below ₹3 crore (retail)
5 May 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
371 Days to 665 Days
 7.25% 7.75% Below ₹3 crore (retail)
5 May 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
666 Days
666-day Special
 8.10% 8.25% Below ₹3 crore (retail)
5 May 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
667 Days to 2 Years
 7.25% 7.75% Below ₹3 crore (retail)
5 May 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
2 Years to 3 Years
 7.50% 8.00% Below ₹3 crore (retail)
5 May 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
Above 3 Years to less than 4 Years
 7.25% 7.75% Below ₹3 crore (retail)
5 May 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
4 Years to 5 Years
 7.00% 7.50% Below ₹3 crore (retail)
5 May 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
Above 5 Years to 10 Years
 6.75% 7.25% Below ₹3 crore (retail)
5 May 2026
official
fetched 20 Sept 2026
✓ verified 5 Oct 2026
Source ↗

Utkarsh Fixed Deposit: frequently asked questions

What is the highest Utkarsh Fixed Deposit interest rate?

As of 5 Oct 2026, Utkarsh Small Finance Bank offers up to 8.10% p.a. on its fixed deposit (FD) (666 Days) for general customers and 8.25% p.a. (666 Days) for senior citizens. Rates below are as published by the bank — confirm with Utkarsh before investing.

What is the Utkarsh 1 year FD interest rate?

As of 5 Oct 2026, Utkarsh Small Finance Bank offers 6.00% p.a. on a 1-year FD for general customers and 6.50% p.a. for senior citizens.

Do senior citizens get higher Fixed Deposit rates at Utkarsh?

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

Is my fixed deposit (FD) with Utkarsh insured?

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

How current are these Utkarsh rates?

RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 5 May 2026. Rates can change without notice, so verify on the official Utkarsh website before investing.

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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 · Ingested 20 Sept 2026 · Verified 5 Oct 2026 · View source

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