Ujjivan Small Finance Bank FD Interest Rates 2026 – Latest Rates, Calculator & How to Apply
Fixed Deposits (FDs) are one of the safest and most popular investment options in India. If you’re planning to invest in a Ujjivan Small Finance Bank Fixed Deposit in 2026, this guide covers everything you need — latest interest rates, tenure options, senior citizen benefits, eligibility, and how to open an FD online or offline.
Let’s get started.
Ujjivan Small Finance Bank FD Interest Rates 2026 – Quick Summary
| Category | Interest Rate (Per Annum) |
|---|---|
| Regular Customers | Typically ranges between 7.00% – 8.75% |
| Senior Citizens | Typically 0.50% higher than regular rates |
| Tenure | 7 days to 10 years |
| Minimum Deposit | ₹1,000 (may vary by scheme) |
| Interest Payout | Monthly, Quarterly, Half-Yearly, Yearly, or on Maturity |
Note: FD interest rates may change periodically. Always check the Ujjivan banking app or the nearest branch for confirmation before investing.
Ujjivan Small Finance Bank FD Interest Rates 2026 (Detailed Tenure-Wise)
Below is a general tenure-based rate structure for 2026:
| Tenure | Regular Citizens | Senior Citizens |
|---|---|---|
| 7 – 29 days | 7.00% | 7.50% |
| 30 – 90 days | 7.25% | 7.75% |
| 91 – 180 days | 7.50% | 8.00% |
| 6 months – 1 year | 8.00% | 8.50% |
| 1 year – 2 years | 8.25% | 8.75% |
| 2 years – 3 years | 8.50% | 9.00% |
| 3 years – 5 years | 8.25% | 8.75% |
| 5 years – 10 years | 7.50% | 8.00% |
Rates are indicative for 2026 and may vary by deposit size and scheme.
Ujjivan FD Interest Calculator – How Much Will You Earn?
Here’s a simple example:
If you invest ₹1,00,000 for 2 years at 8.50% interest, your maturity amount will be approximately:
- Interest Earned: ₹17,000 – ₹18,000 (approx., compounded quarterly)
- Total Maturity Amount: ₹1,17,000 – ₹1,18,000
You can check the exact amount using:
- Ujjivan Net Banking
- Ujjivan Mobile Banking App
- Online FD calculator available in-app
How to Open Ujjivan Small Finance Bank FD (Step-by-Step)
Method 1: Online via Net Banking (24×7)
- Log in to Ujjivan Net Banking.
- Go to the Deposits section.
- Select Open Fixed Deposit.
- Enter the amount and choose the tenure.
- Select the interest payout option.
- Confirm nominee details.
- Submit and authenticate via OTP.
Your FD receipt will be generated instantly.
Method 2: Through Mobile Banking App
- Open Ujjivan Mobile App.
- Tap on Fixed Deposit.
- Enter the deposit amount.
- Choose tenure and payout option.
- Confirm and proceed.
Method 3: Visit Nearest Branch
- Carry ID proof (Aadhaar/PAN).
- Fill FD application form.
- Submit a cheque or cash (as permitted).
- Collect the FD receipt.
Branch timings typically follow standard banking hours and may vary by state.
Senior Citizen FD Benefits
Senior citizens (60+ years) usually get:
- Extra 0.50% interest
- Higher returns on long-term deposits
- Flexible payout options for regular income
Always carry proof of age when opening an FD offline.
Types of Ujjivan FD Schemes
Ujjivan may offer different FD variants, such as:
- Regular Fixed Deposit
- Tax Saving FD (5-year lock-in under Section 80C)
- Cumulative FD (Interest paid at maturity)
- Non-Cumulative FD (Monthly/Quarterly interest payout)
- Recurring Deposit (RD) option for monthly savings
Availability may vary in 2026.
Is Ujjivan Small Finance Bank FD Safe?
Ujjivan Small Finance Bank is regulated by the Reserve Bank of India (RBI).
Deposits are insured up to ₹5 lakh per depositor per bank under DICGC insurance.
For larger amounts, you may diversify across banks to improve risk management.
Premature Withdrawal Rules
- Allowed after minimum lock-in (as per bank policy).
- Interest may be reduced by 0.5%–1%.
- Penalty charges may apply.
Check your FD terms before early withdrawal.
Frequently Asked Questions (FAQs)
1. What is the highest FD interest rate in Ujjivan Bank in 2026?
A. Typically up to 8.75% for regular customers and higher for senior citizens, depending on tenure.
2. What is the minimum FD amount in Ujjivan Bank?
A. Generally starts from ₹1,000, but may vary by scheme.
3. Can I open a Ujjivan FD online?
A. Yes, via net banking or mobile app, 24×7.
4. Is there a tax-saving FD option?
A. Yes, Ujjivan usually offers a 5-year tax-saving FD eligible under Section 80C (as per current tax rules).
5. Can an NRI open an FD in Ujjivan Small Finance Bank?
A. Availability depends on bank policies in 2026. Check with the branch or the official app.
Troubleshooting FD Issues
If you face issues like:
- FD is not reflected in the account
- Incorrect interest rate applied
- OTP not received
Try:
- Logging out and logging in again
- Updating mobile number
- Contacting customer care
- Visiting the nearest branch
Security Tips Before Opening an FD
- Always open an FD through the official app or the branch.
- Do not share OTP or net banking password.
- Verify tenure and interest rate before confirmation.
- Keep the FD receipt safely (digital or physical).
Conclusion
Ujjivan Small Finance Bank’s 2026 FD offers competitive interest rates, particularly for senior citizens and mid-term deposits. With flexible tenures, easy online opening, and DICGC insurance protection up to ₹5 lakh, it remains a strong option for conservative investors.
Before investing, compare tenure-wise returns and check the latest rate in your Ujjivan banking app for accurate details.
