Utkarsh Small Finance Bank provides some of the highest FD rates among small finance banks. For one‑year deposits, rates were around 7.75 % for regular customers and around 8.25 % for seniors. Longer tenures (5 years) offered around 7.00 %. Minimum deposit amounts are usually ₹1,000. Confirm the latest rate card and compounding frequency before investing.
Utkarsh SFB FD Rate Snapshot
| Tenure | Approximate general rate | Senior citizen rate |
|---|---|---|
| 1 year | 7.75 % | 8.25 % |
| 3 years | 7.25 % | 7.75 % |
| 5 years | 7.00 % | 7.50 % |
Utkarsh SFB is regulated by RBI and offers deposit insurance. However, always assess the bank’s financial health and your risk tolerance before placing large deposits.
