{"id":10582,"date":"2026-02-19T09:26:03","date_gmt":"2026-02-19T09:26:03","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10582"},"modified":"2026-02-19T11:23:58","modified_gmt":"2026-02-19T11:23:58","slug":"ujjivan-small-finance-bank-fd-interest-rates-2026-latest-rates-calculator-how-to-apply","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/ujjivan-small-finance-bank-fd-interest-rates-2026-latest-rates-calculator-how-to-apply\/","title":{"rendered":"Ujjivan Small Finance Bank FD Interest Rates 2026 \u2013 Latest Rates, Calculator & How to Apply"},"content":{"rendered":"\n

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<\/strong>, this guide covers everything you need \u2014 latest interest rates, tenure options, senior citizen benefits, eligibility, and how to open an FD online or offline.<\/p>\n\n\n\n

Let\u2019s get started.<\/p>\n\n\n\n

Ujjivan Small Finance Bank FD Interest Rates 2026 \u2013 Quick Summary<\/h2>\n\n\n\n
Category<\/th>Interest Rate (Per Annum)<\/th><\/tr><\/thead>
Regular Customers<\/td>Typically ranges between 7.00% \u2013 8.75%<\/strong><\/td><\/tr>
Senior Citizens<\/td>Typically 0.50% higher<\/strong> than regular rates<\/td><\/tr>
Tenure<\/td>7 days to 10 years<\/td><\/tr>
Minimum Deposit<\/td>\u20b91,000 (may vary by scheme)<\/td><\/tr>
Interest Payout<\/td>Monthly, Quarterly, Half-Yearly, Yearly, or on Maturity<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Note: FD interest rates may change periodically. Always check the Ujjivan banking app or the nearest branch for confirmation before investing.<\/p>\n\n\n\n

Ujjivan Small Finance Bank FD Interest Rates 2026 (Detailed Tenure-Wise)<\/h2>\n\n\n\n

Below is a general tenure-based rate structure for 2026:<\/p>\n\n\n\n

Tenure<\/th>Regular Citizens<\/th>Senior Citizens<\/th><\/tr><\/thead>
7 \u2013 29 days<\/td>7.00%<\/td>7.50%<\/td><\/tr>
30 \u2013 90 days<\/td>7.25%<\/td>7.75%<\/td><\/tr>
91 \u2013 180 days<\/td>7.50%<\/td>8.00%<\/td><\/tr>
6 months \u2013 1 year<\/td>8.00%<\/td>8.50%<\/td><\/tr>
1 year \u2013 2 years<\/td>8.25%<\/td>8.75%<\/td><\/tr>
2 years \u2013 3 years<\/td>8.50%<\/td>9.00%<\/td><\/tr>
3 years \u2013 5 years<\/td>8.25%<\/td>8.75%<\/td><\/tr>
5 years \u2013 10 years<\/td>7.50%<\/td>8.00%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Rates are indicative for 2026 and may vary by deposit size and scheme.<\/em><\/p>\n\n\n\n

Ujjivan FD Interest Calculator \u2013 How Much Will You Earn?<\/h2>\n\n\n\n

Here\u2019s a simple example:<\/p>\n\n\n\n

If you invest \u20b91,00,000 for 2 years at 8.50% interest<\/strong>, your maturity amount will be approximately:<\/p>\n\n\n\n

    \n
  • Interest Earned: \u20b917,000 \u2013 \u20b918,000 (approx., compounded quarterly)<\/li>\n\n\n\n
  • Total Maturity Amount: \u20b91,17,000 \u2013 \u20b91,18,000<\/li>\n<\/ul>\n\n\n\n

    You can check the exact amount using:<\/p>\n\n\n\n

      \n
    • Ujjivan Net Banking<\/li>\n\n\n\n
    • Ujjivan Mobile Banking App<\/li>\n\n\n\n
    • Online FD calculator available in-app<\/li>\n<\/ul>\n\n\n\n

      How to Open Ujjivan Small Finance Bank FD (Step-by-Step)<\/h2>\n\n\n\n

      Method 1: Online via Net Banking (24×7)<\/h3>\n\n\n\n
        \n
      1. Log in to Ujjivan Net Banking.<\/li>\n\n\n\n
      2. Go to the Deposits<\/strong> section.<\/li>\n\n\n\n
      3. Select Open Fixed Deposit<\/strong>.<\/li>\n\n\n\n
      4. Enter the amount and choose the tenure.<\/li>\n\n\n\n
      5. Select the interest payout option.<\/li>\n\n\n\n
      6. Confirm nominee details.<\/li>\n\n\n\n
      7. Submit and authenticate via OTP.<\/li>\n<\/ol>\n\n\n\n

        Your FD receipt will be generated instantly.<\/p>\n\n\n\n

        Method 2: Through Mobile Banking App<\/h3>\n\n\n\n
          \n
        1. Open Ujjivan Mobile App.<\/li>\n\n\n\n
        2. Tap on Fixed Deposit<\/strong>.<\/li>\n\n\n\n
        3. Enter the deposit amount.<\/li>\n\n\n\n
        4. Choose tenure and payout option.<\/li>\n\n\n\n
        5. Confirm and proceed.<\/li>\n<\/ol>\n\n\n\n

          Method 3: Visit Nearest Branch<\/h3>\n\n\n\n
            \n
          1. Carry ID proof (Aadhaar\/PAN).<\/li>\n\n\n\n
          2. Fill FD application form.<\/li>\n\n\n\n
          3. Submit a cheque or cash (as permitted).<\/li>\n\n\n\n
          4. Collect the FD receipt.<\/li>\n<\/ol>\n\n\n\n

            Branch timings typically follow standard banking hours and may vary by state.<\/p>\n\n\n\n

            Senior Citizen FD Benefits<\/h2>\n\n\n\n

            Senior citizens (60+ years) usually get:<\/p>\n\n\n\n

              \n
            • Extra 0.50% interest<\/strong><\/li>\n\n\n\n
            • Higher returns on long-term deposits<\/li>\n\n\n\n
            • Flexible payout options for regular income<\/li>\n<\/ul>\n\n\n\n

              Always carry proof of age when opening an FD offline.<\/p>\n\n\n\n

              Types of Ujjivan FD Schemes<\/h2>\n\n\n\n

              Ujjivan may offer different FD variants, such as:<\/p>\n\n\n\n

                \n
              • Regular Fixed Deposit<\/li>\n\n\n\n
              • Tax Saving FD (5-year lock-in under Section 80C)<\/li>\n\n\n\n
              • Cumulative FD (Interest paid at maturity)<\/li>\n\n\n\n
              • Non-Cumulative FD (Monthly\/Quarterly interest payout)<\/li>\n\n\n\n
              • Recurring Deposit (RD) option for monthly savings<\/li>\n<\/ul>\n\n\n\n

                Availability may vary in 2026.<\/p>\n\n\n\n

                Is Ujjivan Small Finance Bank FD Safe?<\/h2>\n\n\n\n

                Ujjivan Small Finance Bank is regulated by the Reserve Bank of India (RBI).<\/p>\n\n\n\n

                Deposits are insured up to \u20b95 lakh per depositor per bank<\/strong> under DICGC insurance.<\/p>\n\n\n\n

                For larger amounts, you may diversify across banks to improve risk management.<\/p>\n\n\n\n

                Premature Withdrawal Rules<\/h2>\n\n\n\n
                  \n
                • Allowed after minimum lock-in (as per bank policy).<\/li>\n\n\n\n
                • Interest may be reduced by 0.5%\u20131%.<\/li>\n\n\n\n
                • Penalty charges may apply.<\/li>\n<\/ul>\n\n\n\n

                  Check your FD terms before early withdrawal.<\/p>\n\n\n\n

                  Frequently Asked Questions (FAQs)<\/h2>\n\n\n
                  \n
                  \n
                  \n

                  1. What is the highest FD interest rate in Ujjivan Bank in 2026?<\/h3>\n
                  \n\n

                  A. Typically up to 8.75% for regular customers<\/strong> and higher for senior citizens, depending on tenure.<\/p>\n\n<\/div>\n<\/div>\n

                  \n

                  2. What is the minimum FD amount in Ujjivan Bank?<\/h3>\n
                  \n\n

                  A. Generally starts from \u20b91,000, but may vary by scheme.<\/p>\n\n<\/div>\n<\/div>\n

                  \n

                  3. Can I open a Ujjivan FD online?<\/h3>\n
                  \n\n

                  A. Yes, via net banking or mobile app, 24×7.<\/p>\n\n<\/div>\n<\/div>\n

                  \n

                  4. Is there a tax-saving FD option?<\/h3>\n
                  \n\n

                  A. Yes, Ujjivan usually offers a 5-year tax-saving FD eligible under Section 80C (as per current tax rules).<\/p>\n\n<\/div>\n<\/div>\n

                  \n

                  5. Can an NRI open an FD in Ujjivan Small Finance Bank?<\/h3>\n
                  \n\n

                  A. Availability depends on bank policies in 2026. Check with the branch or the official app.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

                  Troubleshooting FD Issues<\/h2>\n\n\n\n

                  If you face issues like:<\/p>\n\n\n\n

                    \n
                  • FD is not reflected in the account<\/li>\n\n\n\n
                  • Incorrect interest rate applied<\/li>\n\n\n\n
                  • OTP not received<\/li>\n<\/ul>\n\n\n\n

                    Try:<\/p>\n\n\n\n

                      \n
                    • Logging out and logging in again<\/li>\n\n\n\n
                    • Updating mobile number<\/li>\n\n\n\n
                    • Contacting customer care<\/li>\n\n\n\n
                    • Visiting the nearest branch<\/li>\n<\/ul>\n\n\n\n

                      Security Tips Before Opening an FD<\/h2>\n\n\n\n
                        \n
                      • Always open an FD through the official app or the branch.<\/li>\n\n\n\n
                      • Do not share OTP or net banking password.<\/li>\n\n\n\n
                      • Verify tenure and interest rate before confirmation.<\/li>\n\n\n\n
                      • Keep the FD receipt safely (digital or physical).<\/li>\n<\/ul>\n\n\n\n

                        Conclusion<\/h2>\n\n\n\n

                        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 \u20b95 lakh, it remains a strong option for conservative investors.<\/p>\n\n\n\n

                        Before investing, compare tenure-wise returns and check the latest rate in your Ujjivan banking app for accurate details.<\/p>\n\n\n\n

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