{"id":10640,"date":"2026-02-20T11:33:42","date_gmt":"2026-02-20T11:33:42","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10640"},"modified":"2026-02-20T11:33:43","modified_gmt":"2026-02-20T11:33:43","slug":"uco-fd-interest-rates-2026-latest-uco-bank-fixed-deposit-rates","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/uco-fd-interest-rates-2026-latest-uco-bank-fixed-deposit-rates\/","title":{"rendered":"UCO FD Interest Rates 2026 \u2013 Latest UCO Bank Fixed Deposit Rates"},"content":{"rendered":"\n

UCO Bank, a public sector bank, offers secure and flexible Fixed Deposit (FD)<\/strong> schemes in 2026 for customers looking for guaranteed returns. With multiple tenure options and senior citizen benefits, UCO Bank FDs remain a stable investment choice.<\/p>\n\n\n\n

Here\u2019s everything you need to know about UCO Bank FD interest rates in 2026<\/strong>, including tenure-wise rates, features, eligibility, and how to open an FD.<\/p>\n\n\n\n

UCO Bank FD Interest Rates 2026 \u2013 Quick Overview<\/h2>\n\n\n\n
Category<\/th>Interest Rate (Per Annum)<\/th><\/tr><\/thead>
Regular Customers<\/td>Typically 6.00% \u2013 7.80%<\/strong><\/td><\/tr>
Senior Citizens<\/td>Up to 0.50% higher<\/strong><\/td><\/tr>
Tenure<\/td>7 days to 10 years<\/td><\/tr>
Minimum Deposit<\/td>\u20b91,000<\/td><\/tr>
Interest Payout<\/td>Monthly, Quarterly, Half-Yearly, Annually, or on Maturity<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

FD rates are subject to change. Always verify the latest rates on UCO Bank Net Banking, the mobile app, or at a branch before investing.<\/p>\n\n\n\n

UCO Bank FD Interest Rates 2026 (Indicative \u2013 Tenure Wise)<\/h1>\n\n\n\n
Tenure<\/th>Regular Rate<\/th>Senior Citizen Rate<\/th><\/tr><\/thead>
7 \u2013 14 days<\/td>6.00%<\/td>6.50%<\/td><\/tr>
15 \u2013 29 days<\/td>6.25%<\/td>6.75%<\/td><\/tr>
30 \u2013 90 days<\/td>6.50%<\/td>7.00%<\/td><\/tr>
91 \u2013 180 days<\/td>6.75%<\/td>7.25%<\/td><\/tr>
6 \u2013 12 months<\/td>7.00%<\/td>7.50%<\/td><\/tr>
1 \u2013 2 years<\/td>7.25%<\/td>7.75%<\/td><\/tr>
2 \u2013 3 years<\/td>7.50%<\/td>8.00%<\/td><\/tr>
3 \u2013 5 years<\/td>7.80%<\/td>8.30%<\/td><\/tr>
5 \u2013 10 years<\/td>6.90%<\/td>7.40%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Rates are indicative for 2026 and may vary depending on the deposit amount and scheme.<\/em><\/p>\n\n\n\n

Example \u2013 FD Maturity Calculation<\/h1>\n\n\n\n

If you invest \u20b91,00,000 for 3 years at 7.80% (cumulative option)<\/strong>:<\/p>\n\n\n\n

    \n
  • Estimated Interest Earned: \u20b924,000 \u2013 \u20b926,000<\/li>\n\n\n\n
  • Total Maturity Amount: Around \u20b91,24,000 \u2013 \u20b91,26,000<\/li>\n<\/ul>\n\n\n\n

    Actual returns depend on quarterly compounding and bank policy.<\/p>\n\n\n\n

    You can calculate the exact maturity value using the FD calculator available in UCO Bank\u2019s online banking platform.<\/p>\n\n\n\n

    Key Features of UCO Bank Fixed Deposit<\/h1>\n\n\n\n

    Flexible Tenure Options<\/h2>\n\n\n\n

    Choose tenure from 7 days up to 10 years.<\/p>\n\n\n\n

    Senior Citizen Additional Interest<\/h2>\n\n\n\n

    Customers aged 60 years and above generally receive 0.50% higher interest.<\/p>\n\n\n\n

    Loan Against FD<\/h2>\n\n\n\n

    Loan or overdraft facility available up to 75%\u201390% of the FD value (as per policy).<\/p>\n\n\n\n

    Premature Withdrawal Facility<\/h2>\n\n\n\n

    Allowed with a penalty as per bank rules.<\/p>\n\n\n\n

    Multiple Interest Payout Options<\/h2>\n\n\n\n
      \n
    • Monthly<\/li>\n\n\n\n
    • Quarterly<\/li>\n\n\n\n
    • Half-Yearly<\/li>\n\n\n\n
    • Annual<\/li>\n\n\n\n
    • Cumulative (paid at maturity)<\/li>\n<\/ul>\n\n\n\n

      Types of FD Schemes Offered<\/h1>\n\n\n\n

      UCO Bank may offer:<\/p>\n\n\n\n

        \n
      • Regular Fixed Deposit<\/li>\n\n\n\n
      • Senior Citizen FD<\/li>\n\n\n\n
      • Tax Saving FD (5-year lock-in under Section 80C)<\/li>\n\n\n\n
      • Cumulative FD<\/li>\n\n\n\n
      • Non-Cumulative FD<\/li>\n\n\n\n
      • Special Term Deposit Schemes (limited period offers)<\/li>\n<\/ul>\n\n\n\n

        Scheme availability may vary in 2026.<\/p>\n\n\n\n

        Eligibility Criteria<\/h1>\n\n\n\n

        Resident Indian individuals
        Senior citizens
        Joint account holders
        HUF and institutions (subject to bank policy)<\/p>\n\n\n\n

        NRIs can check NRE\/NRO FD schemes separately.<\/p>\n\n\n\n

        Documents Required<\/h1>\n\n\n\n

        For existing customers with updated KYC:<\/p>\n\n\n\n

          \n
        • No additional documents are usually required.<\/li>\n<\/ul>\n\n\n\n

          For new customers:<\/p>\n\n\n\n

            \n
          • Aadhaar Card<\/li>\n\n\n\n
          • PAN Card (mandatory)<\/li>\n\n\n\n
          • Address Proof<\/li>\n\n\n\n
          • Passport-size photograph (for branch application)<\/li>\n<\/ul>\n\n\n\n

            How to Open UCO Bank FD (Step-by-Step)<\/h1>\n\n\n\n

            Method 1: Online via Net Banking (24×7)<\/h2>\n\n\n\n
              \n
            1. Log in to UCO Bank Net Banking.<\/li>\n\n\n\n
            2. Go to Deposits \u2192 Open FD<\/strong>.<\/li>\n\n\n\n
            3. Enter the deposit amount and select the tenure.<\/li>\n\n\n\n
            4. Choose payout option.<\/li>\n\n\n\n
            5. Confirm nominee details.<\/li>\n\n\n\n
            6. Submit using OTP authentication.<\/li>\n<\/ol>\n\n\n\n

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

              Method 2: Through Mobile Banking App<\/h2>\n\n\n\n
                \n
              1. Open the UCO Bank Mobile App.<\/li>\n\n\n\n
              2. Select Open Fixed Deposit<\/strong>.<\/li>\n\n\n\n
              3. Enter the required details and confirm.<\/li>\n<\/ol>\n\n\n\n

                Method 3: Visit Nearest Branch<\/h2>\n\n\n\n
                  \n
                1. Fill FD application form.<\/li>\n\n\n\n
                2. Submit KYC documents.<\/li>\n\n\n\n
                3. Deposit funds via cheque or transfer.<\/li>\n\n\n\n
                4. Collect the FD receipt.<\/li>\n<\/ol>\n\n\n\n

                  Branch timings may vary by location.<\/p>\n\n\n\n

                  Taxation Rules (2026)<\/h1>\n\n\n\n
                    \n
                  • Interest earned is taxable as per your income tax slab.<\/li>\n\n\n\n
                  • TDS may apply if interest exceeds the prescribed limits.<\/li>\n\n\n\n
                  • Tax Saving FD qualifies for a deduction under Section 80C (up to \u20b91.5 lakh per financial year).<\/li>\n<\/ul>\n\n\n\n

                    Is UCO Bank FD Safe?<\/h1>\n\n\n\n

                    UCO Bank is a public sector bank regulated by the RBI.<\/p>\n\n\n\n

                    Deposits up to \u20b95 lakh per depositor<\/strong>, per bank,<\/strong>\u00a0are insured under DICGC<\/span>.<\/p>\n\n\n\n

                    Frequently Asked Questions (FAQs)<\/h1>\n\n\n
                    \n
                    \n
                    \n

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

                    A. Typically, around 7.80% for regular customers and higher for senior citizens, depending on tenure.<\/p>\n\n<\/div>\n<\/div>\n

                    \n

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

                    A. Usually \u20b91,000.<\/p>\n\n<\/div>\n<\/div>\n

                    \n

                    3. Can I withdraw FD before maturity?<\/h3>\n
                    \n\n

                    A. Yes, premature withdrawal is allowed, but there is a penalty.<\/p>\n\n<\/div>\n<\/div>\n

                    \n

                    4. Is online FD booking available?<\/h3>\n
                    \n\n

                    A. Yes, through net banking and mobile banking (24×7).<\/p>\n\n<\/div>\n<\/div>\n

                    \n

                    5. Is a loan against an FD available?<\/h3>\n
                    \n\n

                    A. Yes, subject to bank rules.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

                    Troubleshooting FD Issues<\/h1>\n\n\n\n

                    If your FD is not visible:<\/p>\n\n\n\n

                      \n
                    • Check the \u201cDeposits\u201d section in net banking\/app.<\/li>\n\n\n\n
                    • Refresh or log in again.<\/li>\n\n\n\n
                    • Verify transaction status.<\/li>\n\n\n\n
                    • Contact customer care or visit a branch if required.<\/li>\n<\/ul>\n\n\n\n

                      Conclusion<\/h1>\n\n\n\n

                      UCO FD Interest Rates 2026<\/strong> offer stable, reliable returns with flexible tenures and senior citizen benefits. Backed by public sector trust and DICGC insurance coverage up to \u20b95 lakh, UCO Bank FDs remain a secure option for conservative investors.<\/p>\n\n\n\n

                      Before investing, always confirm the latest interest rates through official UCO Bank channels to ensure accurate details.<\/p>\n\n\n\n

                      <\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10640","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":"UCO Bank, a public sector bank, offers secure and flexible Fixed Deposit (FD) schemes in 2026 for customers looking for guaranteed returns. With multiple tenure options and senior citizen benefits, UCO Bank FDs remain a stable investment choice. Here\u2019s everything you need to know about UCO Bank FD interest rates in 2026, including tenure-wise rates,…","_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10640","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=10640"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}