{"id":10815,"date":"2026-02-27T12:27:45","date_gmt":"2026-02-27T12:27:45","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10815"},"modified":"2026-02-27T12:27:45","modified_gmt":"2026-02-27T12:27:45","slug":"ujjivan-small-finance-bank-recurring-deposit-rd-interest-rates-2026-latest-rates-features-calculator-%e2%82%b9","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/ujjivan-small-finance-bank-recurring-deposit-rd-interest-rates-2026-latest-rates-features-calculator-%e2%82%b9\/","title":{"rendered":"Ujjivan Small Finance Bank Recurring Deposit (RD) Interest Rates 2026 \u2013 Latest Rates, Features & Calculator (\u20b9)"},"content":{"rendered":"\n

Planning to open a Ujjivan Small Finance Bank Recurring Deposit (RD) in 2026<\/strong>? RD is a simple and safe way to invest a fixed amount every month while earning attractive returns with quarterly compounding.<\/p>\n\n\n\n

Here\u2019s a complete guide to Ujjivan SFB RD interest rates 2026<\/strong>, tenure options, features, example calculation, FAQs, and important tips.<\/p>\n\n\n\n

Quick Summary \u2013 Ujjivan SFB RD Rates 2026<\/h2>\n\n\n\n
Tenure<\/strong><\/th>General Public (p.a.)<\/strong><\/th>Senior Citizens (p.a.)<\/strong><\/th><\/tr><\/thead>
6 \u2013 9 months<\/td>7.00% \u2013 7.50%<\/td>7.50% \u2013 8.00%<\/td><\/tr>
12 months<\/td>7.75% \u2013 8.25%<\/td>8.25% \u2013 8.75%<\/td><\/tr>
1 \u2013 2 years<\/td>8.00% \u2013 8.75%<\/td>8.50% \u2013 9.25%<\/td><\/tr>
2 \u2013 3 years<\/td>8.25% \u2013 9.00%<\/td>8.75% \u2013 9.50%<\/td><\/tr>
3 \u2013 5 years<\/td>7.75% \u2013 8.50%<\/td>8.25% \u2013 9.00%<\/td><\/tr>
5 years & above<\/td>7.25% \u2013 8.00%<\/td>7.75% \u2013 8.50%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Senior citizens typically get an additional 0.50% interest.
Interest is compounded quarterly.
Rates are indicative for 2026 and may change as per bank updates. Check the Ujjivan SFB mobile app or branch for confirmation.<\/p>\n\n\n\n

What Is Ujjivan Small Finance Bank RD?<\/h2>\n\n\n\n

A Ujjivan SFB Recurring Deposit<\/strong> allows you to deposit a fixed amount every month for a chosen tenure (usually 6 months to 10 years) and earn guaranteed returns.<\/p>\n\n\n\n

It is ideal for:<\/p>\n\n\n\n

    \n
  • Salaried individuals<\/li>\n\n\n\n
  • Self-employed professionals<\/li>\n\n\n\n
  • Students<\/li>\n\n\n\n
  • Goal-based savers<\/li>\n\n\n\n
  • Conservative investors<\/li>\n<\/ul>\n\n\n\n

    How Ujjivan RD Interest Is Calculated<\/h2>\n\n\n\n
      \n
    • Interest rate is fixed at the time of opening<\/li>\n\n\n\n
    • Compounded quarterly<\/li>\n\n\n\n
    • Paid at maturity along with total deposits<\/li>\n<\/ul>\n\n\n\n

      Example Calculation<\/h3>\n\n\n\n

      If you deposit:<\/p>\n\n\n\n

        \n
      • \u20b95,000 per month<\/li>\n\n\n\n
      • For 24 months<\/li>\n\n\n\n
      • At 8.75% p.a.<\/li>\n<\/ul>\n\n\n\n

        Total investment = \u20b91,20,000
        Estimated maturity value = \u20b91,33,000+ (approx.)<\/p>\n\n\n\n

        The final maturity amount depends on the exact interest rate and compounding.<\/p>\n\n\n\n

        Key Features of Ujjivan SFB RD 2026<\/h2>\n\n\n\n

        \u2714 Minimum monthly deposit: Typically \u20b91,000 (may vary)
        \u2714 Tenure: 6 months to 10 years
        \u2714 Competitive interest rates compared to many large banks
        \u2714 Auto-debit facility available
        \u2714 Nomination facility
        \u2714 Loan\/Overdraft against RD (subject to eligibility)
        \u2714 Available via branch and internet banking<\/p>\n\n\n\n

        How to Open Ujjivan RD (Step-by-Step)<\/h2>\n\n\n\n

        Method 1: Through Mobile Banking<\/h3>\n\n\n\n
          \n
        1. Login to Ujjivan SFB mobile app<\/li>\n\n\n\n
        2. Go to Deposits<\/strong><\/li>\n\n\n\n
        3. Select Recurring Deposit<\/strong><\/li>\n\n\n\n
        4. Enter monthly amount & tenure<\/li>\n\n\n\n
        5. Confirm and submit<\/li>\n<\/ol>\n\n\n\n

          Method 2: Via Net Banking<\/h3>\n\n\n\n
            \n
          1. Login to Ujjivan Internet Banking<\/li>\n\n\n\n
          2. Choose Open RD<\/strong><\/li>\n\n\n\n
          3. Enter required details<\/li>\n\n\n\n
          4. Confirm request<\/li>\n<\/ol>\n\n\n\n

            Method 3: Visit Branch<\/h3>\n\n\n\n
              \n
            • Fill RD application form<\/li>\n\n\n\n
            • Submit first installment<\/li>\n\n\n\n
            • Complete KYC formalities if required<\/li>\n<\/ul>\n\n\n\n

              Tax on Ujjivan RD<\/h2>\n\n\n\n
                \n
              • RD interest is taxable as per your income slab<\/li>\n\n\n\n
              • TDS applies if interest exceeds the prescribed limit<\/li>\n\n\n\n
              • Submit Form 15G\/15H if eligible<\/li>\n<\/ul>\n\n\n\n

                FAQs \u2013 Ujjivan SFB RD Interest Rates 2026<\/h2>\n\n\n
                \n
                \n
                \n

                1. What is the minimum amount to open Ujjivan RD?<\/h3>\n
                \n\n

                A. Typically \u20b91,000 per month, but may vary by account type.<\/p>\n\n<\/div>\n<\/div>\n

                \n

                2. Can I close RD before maturity?<\/h3>\n
                \n\n

                A. Yes, premature closure is allowed but may attract reduced interest and penalty.<\/p>\n\n<\/div>\n<\/div>\n

                \n

                3. Is there a penalty for missed installments?<\/h3>\n
                \n\n

                A. Yes, a small penalty may apply for delayed payments.<\/p>\n\n<\/div>\n<\/div>\n

                \n

                4. Do senior citizens get higher interest?<\/h3>\n
                \n\n

                A. Yes, senior citizens usually receive additional interest benefits.<\/p>\n\n<\/div>\n<\/div>\n

                \n

                5. Can I take a loan against RD?<\/h3>\n
                \n\n

                A. Yes, loan\/overdraft facility may be available against RD balance.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

                Common Issues & Solutions<\/h2>\n\n\n\n

                \ud83d\udd39 RD not visible in app?<\/strong>
                Wait up to 24 hours or contact customer support.<\/p>\n\n\n\n

                \ud83d\udd39 Auto-debit failed?<\/strong>
                Maintain sufficient balance before the due date.<\/p>\n\n\n\n

                \ud83d\udd39 Interest mismatch?<\/strong>
                Verify the rate applicable at the time of opening.<\/p>\n\n\n\n

                Security Tips<\/h2>\n\n\n\n

                \u2714 Always use official Ujjivan SFB website or app
                \u2714 Never share OTP or login credentials
                \u2714 Keep nomination updated
                \u2714 Track maturity date regularly<\/p>\n\n\n\n

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

                The Ujjivan Small Finance Bank RD Interest Rates 2026<\/strong> are generally competitive, especially for mid to long-term tenures. With quarterly compounding and senior citizen benefits, RD remains a reliable savings option for disciplined investors.<\/p>\n\n\n\n

                Before opening your RD, always confirm the latest applicable interest rate<\/strong> in the Ujjivan SFB mobile app or nearest branch, as rates are subject to revision.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10815","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10815","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=10815"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}