Bandhan offers up to 7.45% p.a. · Ujjivan up to 7.80% p.a. · Side-by-side across all tenures, general & senior citizen rates.
Highlighted cells show the higher rate for each tenure. Dataset refreshed 1 Oct 2026.
| Tenure | Bandhan | Ujjivan | ||
|---|---|---|---|---|
| General | Senior | General | Senior | |
| 6 months | 4.20% | 4.95% | 5.50% | 6.00% |
| 1 year | 7.00% | 7.50% | 7.25% | 7.75% |
| 2 years | 7.45% | 7.95% | 7.55% | 8.05% |
| 3 years | 7.25% | 7.75% | 7.25% | 7.75% |
| 5 years | 5.85% | 6.60% | 7.20% | 7.70% |
Rates for retail deposits below ₹3 crore. Senior citizen rate typically +0.25–0.50% p.a. Green cells show the higher general rate for each tenure. Calculate your maturity amount →
Ujjivan is a small finance bank that typically posts higher FD rates to attract retail deposits. Bandhan is a private sector bank with a broader product range and wider branch reach. Ujjivan holds a slim rate advantage right now. For most depositors the difference is modest; branch proximity and existing banking relationships are equally worth weighing.
This is informational only — always verify the current rate on the bank's official website and consult a financial adviser for personalised guidance.
Ujjivan Small Finance Bank currently offers a higher maximum FD rate of 7.80% p.a., compared to 7.45% p.a. from Bandhan Bank (as of 1 Oct 2026).
Bandhan Bank offers 7.00% p.a. for general depositors on 1-year FDs, and 7.50% p.a. for senior citizens (as of 1 Oct 2026). Confirm the current rate on Bandhan Bank's official website before investing.
Ujjivan Small Finance Bank offers 7.25% p.a. for general depositors on 1-year FDs, and 7.75% p.a. for senior citizens (as of 1 Oct 2026). Confirm the current rate on Ujjivan Small Finance Bank's official website before investing.
Yes. Both Bandhan Bank and Ujjivan Small Finance Bank are regulated by the Reserve Bank of India (RBI). Deposits at both banks are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to ₹5,00,000 per depositor per bank, covering principal and interest combined. Amounts above ₹5 lakh are not covered by deposit insurance.
Yes, both banks offer additional interest for senior citizens (aged 60 and above), typically 0.25%–0.50% p.a. above the general rate. Bandhan Bank's 1-year senior rate: 7.50% p.a. Ujjivan Small Finance Bank's 1-year senior rate: 7.75% p.a.
The highest rate between the two is 7.80% p.a. from Ujjivan Small Finance Bank for the 3 Year 1 Day – 3 year 6 months tenure (general public, retail deposits below ₹3 crore, as of 1 Oct 2026).
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