{"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

                        <\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10582","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"web-stories-poster-portrait":false,"web-stories-publisher-logo":false,"web-stories-thumbnail":false},"uagb_author_info":{"display_name":"Sanjit Chakrabortty","author_link":"https:\/\/lemonn.co.in\/blog\/author\/"},"uagb_comment_info":0,"uagb_excerpt":"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 \u2014 latest interest rates, tenure options, senior citizen benefits, eligibility, and how to open an FD online or offline.…","_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10582","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/banking"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=10582"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}