{"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":[],"_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}]}}