Ujjivan Small Finance Bank Recurring Deposit (RD) Interest Rates 2026 – Latest Rates, Features & Calculator (₹)
Planning to open a Ujjivan Small Finance Bank Recurring Deposit (RD) in 2026? RD is a simple and safe way to invest a fixed amount every month while earning attractive returns with quarterly compounding.
Here’s a complete guide to Ujjivan SFB RD interest rates 2026, tenure options, features, example calculation, FAQs, and important tips.
Quick Summary – Ujjivan SFB RD Rates 2026
| Tenure | General Public (p.a.) | Senior Citizens (p.a.) |
|---|---|---|
| 6 – 9 months | 7.00% – 7.50% | 7.50% – 8.00% |
| 12 months | 7.75% – 8.25% | 8.25% – 8.75% |
| 1 – 2 years | 8.00% – 8.75% | 8.50% – 9.25% |
| 2 – 3 years | 8.25% – 9.00% | 8.75% – 9.50% |
| 3 – 5 years | 7.75% – 8.50% | 8.25% – 9.00% |
| 5 years & above | 7.25% – 8.00% | 7.75% – 8.50% |
Senior citizens typically get an additional 0.50% interest.
Interest is compounded quarterly.
Rates are indicative for 2026 and may change as per bank updates. Check the Ujjivan SFB mobile app or branch for confirmation.
What Is Ujjivan Small Finance Bank RD?
A Ujjivan SFB Recurring Deposit allows you to deposit a fixed amount every month for a chosen tenure (usually 6 months to 10 years) and earn guaranteed returns.
It is ideal for:
- Salaried individuals
- Self-employed professionals
- Students
- Goal-based savers
- Conservative investors
How Ujjivan RD Interest Is Calculated
- Interest rate is fixed at the time of opening
- Compounded quarterly
- Paid at maturity along with total deposits
Example Calculation
If you deposit:
- ₹5,000 per month
- For 24 months
- At 8.75% p.a.
Total investment = ₹1,20,000
Estimated maturity value = ₹1,33,000+ (approx.)
The final maturity amount depends on the exact interest rate and compounding.
Key Features of Ujjivan SFB RD 2026
✔ Minimum monthly deposit: Typically ₹1,000 (may vary)
✔ Tenure: 6 months to 10 years
✔ Competitive interest rates compared to many large banks
✔ Auto-debit facility available
✔ Nomination facility
✔ Loan/Overdraft against RD (subject to eligibility)
✔ Available via branch and internet banking
How to Open Ujjivan RD (Step-by-Step)
Method 1: Through Mobile Banking
- Login to Ujjivan SFB mobile app
- Go to Deposits
- Select Recurring Deposit
- Enter monthly amount & tenure
- Confirm and submit
Method 2: Via Net Banking
- Login to Ujjivan Internet Banking
- Choose Open RD
- Enter required details
- Confirm request
Method 3: Visit Branch
- Fill RD application form
- Submit first installment
- Complete KYC formalities if required
Tax on Ujjivan RD
- RD interest is taxable as per your income slab
- TDS applies if interest exceeds the prescribed limit
- Submit Form 15G/15H if eligible
FAQs – Ujjivan SFB RD Interest Rates 2026
1. What is the minimum amount to open Ujjivan RD?
A. Typically ₹1,000 per month, but may vary by account type.
2. Can I close RD before maturity?
A. Yes, premature closure is allowed but may attract reduced interest and penalty.
3. Is there a penalty for missed installments?
A. Yes, a small penalty may apply for delayed payments.
4. Do senior citizens get higher interest?
A. Yes, senior citizens usually receive additional interest benefits.
5. Can I take a loan against RD?
A. Yes, loan/overdraft facility may be available against RD balance.
Common Issues & Solutions
🔹 RD not visible in app?
Wait up to 24 hours or contact customer support.
🔹 Auto-debit failed?
Maintain sufficient balance before the due date.
🔹 Interest mismatch?
Verify the rate applicable at the time of opening.
Security Tips
✔ Always use official Ujjivan SFB website or app
✔ Never share OTP or login credentials
✔ Keep nomination updated
✔ Track maturity date regularly
Conclusion
The Ujjivan Small Finance Bank RD Interest Rates 2026 are generally competitive, especially for mid to long-term tenures. With quarterly compounding and senior citizen benefits, RD remains a reliable savings option for disciplined investors.
Before opening your RD, always confirm the latest applicable interest rate in the Ujjivan SFB mobile app or nearest branch, as rates are subject to revision.
