Ujjivan Small Finance Bank FD Interest Rates

What is Ujjivan Small Finance Bank FD?

Ujjivan Small Finance Bank fixed deposit offers a secure and flexible tenures from 7 days to 10 years. With a minimum investment of just ₹1,000, you can choose between cumulative or non-cumulative interest payouts, and senior citizens enjoy an additional 0.50% p.a. interest rate. While the account provides liquidity through premature withdrawal and partial withdrawal options, keep in mind that such actions may reduce your overall earnings.

You can easily open and manage your account via mobile banking, internet banking, or at any bank branch. For precise planning, the bank provides an online calculator on their website, and you can access 24/7 support through its phone banking services. Additionally, you may be eligible to apply for a Ujjivan Small Finance Bank Credit Card Against FD to leverage your investment while keeping your savings intact.

Ujjivan Small Finance Bank FD: Highlights 

Ujjivan Small Finance Bank FD: Latest updates 

Ujjivan Small Finance Bank fixed deposit rates are up to 7.45% p.a. for the general public and 7.95% p.a. for senior citizens on a 2-year fixed deposit on Aug 05, 2025. A lakh investment will increase to about 1.15 lakh by the time it matures.

Ujjivan Small Finance Bank FD Rates 2026

The latest Ujjivan Small Finance Bank FD rates for the general public and senior citizens for amounts below 3 crore, and the rates above 3 crore are for NROs:

Ujjivan Small Finance Bank FD Rates And Sampoorna Nidhi

Below 3 crore 

*Ujjivan Small Finance FD interest rates w.e.f. Aug 05, 2025

NRO Term Deposits For below 3 crore

**Ujjivan Small Finance FD interest rates w.e.f. Aug 05, 2025 *For this category of Fixed Deposits, there are no additional rates for Senior Citizens.

People also read: Standard FD interest rates available in the market. 

Types of Ujjivan Small Finance Bank FD

1. Regular Fixed Deposit 

   It is a common fixed deposit product. It is a flexible, low-risk investment option for resident Indian individuals and Hindu Undivided Families (HUFs). Regular FD is callable, i.e., it can be withdrawn early in part, but a penalty may be charged.

   • Tenure - 7 days to 10 years
   • Senior Citizen Advantage - additional 0.50% interest rate
   • Premature/Partial Closure - Allowed 
   • Multiple Payout Options - monthly, quarterly, or cumulative

2. Digital Fixed Deposit 

   It is a new-age, paperless fixed deposit that can be opened and operated completely online. The major attraction is that you need not have a pre-existing savings account with Ujjivan Small Finance Bank to open this FD. This is fast and convenient, and Aadhaar and PAN are used for Video KYC.

   • Application Process - Completely Online 
   • Documentation - Completely paperless 
   • Multiple Payout Options - quarterly and at Maturity
   • Penalties on Premature Withdrawals - No Penalties after 6 months 

3. Tax Saver Fixed Deposit 

   This FD is specifically made to give the tax deduction benefit under Section 80C of the Income Tax Act, 1961. This FD assists individuals and HUFs in saving on taxes and earning a fixed rate of interest on their investment.

   • Tenure - 5 years lock-in 
   • Tax Deduction - up to 1.5 lakhs under Section 80C
   • Secure Investment - Secured under DICGC
   • Flexible Payouts - monthly, quarterly, or cumulative basis

4. Samporrna Nidhi Fixed Deposit 

   This is a fixed deposit scheme targeted towards the existing customers of Ujjivan Small Finance Bank with a savings or current account. The fact that the interest earned on the deposit is computed monthly and automatically added to the linked account defines its most distinctive characteristic.

   • Regular Monthly Income - Monthly interest payout option 
   • High Interest Rates - Competitive interest rates 
   • Additional Benefit - 0.5% additional benefit for senior citizens 
   • Premature Withdrawal - Allowed after 6 months
   • Auto-Renewal - Allowed

5. Platina Fixed Deposit 

   The Platina Fixed Deposit is a high-end non-callable FD. It targets high-value depositors, whether individuals or non-individuals. The primary advantage of this FD is that it offers higher interest than the non-callable deposit, and partial or early withdrawals are permitted.

   • Scheme For NRI - Available
   • Eligible People - Both Individuals and organisations are eligible
   • Predictable Returns - Assured returns throughout the tenure
   • Interest Rates - Higher interest rates than regular FDs

Ujjivan Small Finance Bank Fixed Deposit Features

The features of Ujjivan Small Finance Bank Fixed Deposits help the customers in multiple ways. The key features are as follows:

• Minimum and Maximum Deposit Amount - The minimum amount required to start a fixed deposit in Ujjivan Small Finance Bank is Rs. 1,000. There is no limit to the maximum amount.
• Fixed Deposit Tenure - Fixed Deposits for a period ranging from 7 days to 10 years are available.
• Interest Rates - The bank offers its customers a fixed deposit interest rate of 3.05% to 7.45% annually.
• Senior Citizen Interest Rates - The rate of interest on fixed deposits ranges between 3.55% and 7.30% annually in the case of senior citizens.
• Deposit Insurance - RBI’s Deposit Insurance Scheme provides coverage to the deposits, insuring up to Rs 5 lakh of each depositor by DICGC.
• Loan Against FD - It provides loans against FD without breaking the FD. The loan provided by the Bank is secured by the Bank's FD, not by an FD of any other bank. The loan duration is the maximum FD duration.
• Types of Fixed Deposits Offered - Facilities like Regular Fixed Deposits, Digital Fixed Deposit, Tax Saver Fixed Deposit, Sampornna Nidhi Fixed Deposit, and Platina Fixed Deposit are available for the customers.

How to Open a Ujjivan Small Finance Bank Fixed Deposit

Ujjivan Small Finance Bank fixed deposits are a popular choice for individuals looking for a secure investment with attractive interest rates. You can easily open an FD account with the bank through a convenient online process or by visiting a branch.

1. Online FD Account 

   The Digital Fixed Deposit by Ujjivan SFB is a paperless and hassle-free way to book an FD online, even without an existing savings account with the bank.

   • Provide Details: Visit the Ujjivan SFB website and enter your mobile number, PAN, and Aadhaar details.
   • Enter Deposit Details: Fill in the FD details such as the deposit amount, tenure, and interest payout frequency.
   • Complete Payment: Fund your FD using NetBanking, a debit card, or UPI from your existing bank account.
   • Video KYC: Complete the Video KYC process between 8:00 AM and 8:00 PM. You will need your physical PAN card for verification.
   • Receive FD Receipt: Once the process is complete, the bank will send the FD receipt to your registered email address.

2.  Offline FD Account 

   If you prefer a traditional approach, you can visit any of Ujjivan Small Finance Bank's branches to open an FD account.

   • Visit a Branch: Go to your nearest Ujjivan SFB branch with the necessary documents and a photograph.
   • Fill Out Form: Request and fill out the fixed deposit application form provided at the branch.
   • Submit Documents: Submit your KYC documents and the application form to the bank representative.
   • Fund Transfer: Deposit the amount for your FD through cheque, cash, or a digital transfer.
   • Choose Options: Select your preferred FD tenure, interest payout option, and nomination details.
   • Get FD Receipt: Upon successful processing, the bank will issue a physical Fixed Deposit Receipt as confirmation.

Eligibility 

You can open a Ujjivan Small Finance Bank Digital FD if you are a - 

• An Indian Resident of 18 years of age or above.
• You should have a valid Aadhaar and PAN card. 
• A Physical PAN is required for VKYC.
• Mobile number linked with Aadhaar

Summing it Up

Ujjivan Small Finance Bank provides a comprehensive suite of Fixed Deposit options to meet diverse financial goals, ranging from tax-saving needs to monthly income requirements. By offering competitive interest rates, a senior citizen benefit of 0.50% p.a., and DICGC insurance, these deposits provide a reliable, low-risk foundation for a balanced investment portfolio. Whether you choose the convenience of a digital FD or the personalised service of a branch, flexible tenures and accessible withdrawals ensure your investment remains both productive and easy to manage.