Utkarsh Small Finance Bank Fixed Deposit interest rates · November 2026
What will my FD earn at Utkarsh?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 Days to 45 Days |
4.00% | 4.50% | Below ₹3 crore (retail) | 5 May 2026 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
46 Days to 90 Days |
4.50% | 5.00% | Below ₹3 crore (retail) | 5 May 2026 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
91 Days to 180 Days |
5.00% | 5.50% | Below ₹3 crore (retail) | 5 May 2026 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
181 Days to 370 Days |
6.00% | 6.50% | Below ₹3 crore (retail) | 5 May 2026 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
371 Days to 665 Days |
7.25% | 7.75% | Below ₹3 crore (retail) | 5 May 2026 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
666 Days 666-day Special |
8.10% | 8.25% | Below ₹3 crore (retail) | 5 May 2026 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
667 Days to 2 Years |
7.25% | 7.75% | Below ₹3 crore (retail) | 5 May 2026 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
2 Years to 3 Years |
7.50% | 8.00% | Below ₹3 crore (retail) | 5 May 2026 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
Above 3 Years to less than 4 Years |
7.25% | 7.75% | Below ₹3 crore (retail) | 5 May 2026 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
4 Years to 5 Years |
7.00% | 7.50% | Below ₹3 crore (retail) | 5 May 2026 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
Above 5 Years to 10 Years |
6.75% | 7.25% | Below ₹3 crore (retail) | 5 May 2026 ✓ verified 13 Nov 2026 | official fetched 20 Sept 2026 |
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Utkarsh 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
6.00%Before you book
Utkarsh Fixed Deposit: frequently asked questions
What is the highest Utkarsh Fixed Deposit interest rate?
As of 14 Nov 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 14 Nov 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 (for a ₹5 lakh deposit). The rate is effective 5 May 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
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.
When did Utkarsh last change its Fixed Deposit rates?
RateScan.in has recorded no change to Utkarsh Small Finance Bank's fixed deposit (FD) rates since it started tracking them on 20 Sept 2026.
What fixed deposit (FD) tenures does Utkarsh offer?
Utkarsh Small Finance Bank's published fixed deposit (FD) rate table has 10 tenure bands, from “7 Days to 45 Days” to “Above 5 Years to 10 Years”.
Does Utkarsh have special fixed deposit (FD) schemes?
Utkarsh Small Finance Bank's rate table lists these named schemes (1): 666-day Special. Check eligibility and end dates with the bank.
How does Utkarsh's 1-year FD rate rank?
Utkarsh Small Finance Bank's 1-year general FD rate of 6.00% ranks #817 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 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 14 Nov 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 per bank (principal and interest combined, across all its branches). Anything above that is not insured.
- Utkarsh 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 Utkarsh, depending on the tenure.
- Utkarsh's FD table includes 1 special schemes; check eligibility and end dates.
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.
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