Ujjivan Small Finance Bank FD Rates — Complete Guide & Latest Returns

Key Insights
 

1. Ujjivan Bank offers a Fixed deposit with a minimum investment amount of ₹1,000.
    
2. Ujjivan provides fixed deposit rates based on the length of your investment. Rates begin at 3.50% for shorter terms and can reach 7.55% for longer terms, which is higher than what many public sector banks offer.
    
3. Ujjivan provides a guaranteed return with the tax savings option under Section 80C.

The Ujjivan Small Finance Bank offers Fixed Deposits with a minimum amount of ₹1,000, ranging from short-term deposits of just 7 days to long-term deposits of up to 10 years.

Ujjivan Bank offers various schemes that provide compounding interest, allowing you to earn interest on both the principal amount and the accumulated interest.

In this blog, you can learn about the latest interest rate of the Ujjivan Bank FD rates 2025, Fixed Deposit schemes, features, comparison with other bank FD rates and eligibility criteria.

Example:

I put ₹5,00,000 into a Ujjivan fixed deposit for five years at 8.25% interest per year. By the end, I’ll earn about ₹2,44,000 in interest, so my total amount at maturity will be around ₹7,44,000.

Ujjivan Bank FD Interest Rates 2025

When you're up to date with the Fixed Deposit interest rate, you can easily plan for your goals and future with Ujjivan Finance. 

Here is the list of Interest Rates for 2025 at Ujjivan Bank:
 

This table shows the starting tenure and the maximum tenure period of the Ujjivan Bank FD. For more information, click here.

Types of  Fixed Deposit Schemes

Ujjivan Bank offers a range of Fixed Deposit schemes for our customers, allowing you to select one that suits your preferences. Here is the list of Ujjivan Bank Fixed Deposit schemes:

Ujjivan Bank offers these schemes to its customers with competitive interest rates, which vary according to the tenure, as Ujjivan Bank has different tenures for different customers.

Features and Benefits of Ujjvan Bank Finance Bank FD

The Ujjivan Bank Fixed Deposit interest rate comes with exciting features that are highly beneficial for Ujjivan Bank customers. Here is the list of Features of Ujjivan Bank Fixed Deposit:

• You may consider investing your ₹1,000 in Ujjivan Bank.
• FD Tenure: Can range from 7 days to 10 years.
• The minimum interest rate starts is 3.50% and the maximum is 7.55%.

These Ujjivan Bank Fixed deposit features are focused on customers' needs and provide an edge in your investment.

Comparison of Ujjivan Finance FD Rates with Other Banks

How do we know that the Ujjivan Fixed Deposit is Best for us? The answer is to compare the Ujjivan Fixed Deposit interest rate with that of other banks. Here is the comparison of Ujjivan Bank Fixed Deposit with other banks:

You can compare the Fixed Deposit interest rate with that of other banks and choose the best schemes according to your financial goals in Ujjivan Finance.

Bonus Tip: Do you know? You can typically get up to 70-90% of the deposit value. The interest rate is usually 1-2% higher than the FD rate, making it a more affordable alternative to personal loans.

Eligibility Criteria & Required Documents for Ujjivan Bank FD Interest Rates

If you want to open a Ujjivan Fixed Deposit Account, you have to meet the eligibility criteria and provide some required documents. Here is the list of eligibility criteria for Ujjivan Finance Fixed Deposit:

• Resident individual
• Limited companies
• HUF

Just follow the basic requirements, collect the needed documents, and send in your application. This way, you can begin earning steady, fixed returns with confidence.

Here is the list of documents for the Ujjivan Finance Fixed Deposit:
 

• Aadhar Card
• Passport-sized photographs
• Form 60 (if PAN isn’t available)
• PAN Card
• Address proof (Passport, Utility bills, Driving License)

These eligibility and documentation requirements apply to the Ujjivan Bank Fixed Deposit.

Bonus Tip: Ujjivan SFB's Digital Fixed Deposits give you security, convenience, and strong returns. You can start saving and earning more in just a few clicks.

What are the Tax Implications of Ujjivan Bank FD?

When you withdraw your FD maturity amount, TDS is deducted based on specific rules. If your maturity amount is below ₹40,000 (or ₹50,000 for senior citizens), no TDS is deducted. 

If you have provided your PAN details, TDS is 10%. If you have not provided your PAN details, the TDS rate is 20%.

Exceptions to TDS Deductions:

If your annual income is below ₹2,50,000, no TDS will be deducted, even if your FD maturity amount is more than ₹40,000. No TDS is deducted if your tax liability is zero. 

Tax Saver FD holders can also claim tax exemptions under Section 80C of the Income Tax Act.

How to Invest in Ujjivan Bank FD?

If you want to open a Ujjivan Bank FD Account, you have to follow these steps. Here are the steps:

Step 1: Go to the Ujjivan FD page.

Step 2: Select ‘New Customer’ and complete the KYC process.

Step 3: Enter the FD details, such as principal, tenure, and interest payout option.

Step 4: Pay the principal to book your Platina FD.

You can apply for the Ujjivan Bank FD using the following steps.

Conclusion 

The Ujjivan Bank Fixed Deposit offers competitive interest rates with different tenures, ranging from a minimum of 7 days to a maximum of 10 years.

The Ujjivan Bank offers schemes to its customers for their welfare, enabling them to earn a high return on their investment, which helps Ujjivan Bank customers to plan a secure future.

FAQs

What are the interest payout options offered in Ujjivan Small Finance Bank fixed deposit accounts?

Ujjivan Small Finance Bank lets you choose how often you receive interest on your fixed deposit. You can get payouts monthly, quarterly, half-yearly, yearly, or at maturity.

What is the minimum amount required to open an Ujjivan Small Finance Bank FD?

You need at least Rs.1,000 to open a fixed deposit account with Ujjivan Finance Bank.

Does Ujjivan Small Finance Bank offer senior citizens the additional interest rate for all tenures?

Yes, senior citizens get an extra 0.50% interest per year on all deposit tenures with Ujjivan Small Finance Bank.

Is it safe to avail Ujjivan fixed deposit rates?

With Stable Money, you can open a fixed deposit directly with Ujjivan Bank. According to Reserve Bank of India (RBI) rules, your fixed deposits are insured up to ₹5,00,000 by the Deposit Insurance Credit Guarantee Corporation (DICGC), so it is considered a safe choice.

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