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UCO Bank
Safety:Bank Safety:Good
•✓₹5l DICGC insuredDICGC insured up to ₹5L
Bank Overview
Type
PublicHeadquarters
KolkataFounded
1943Branches
3412DICGC Coverage
₹5 LakhsFinancial Health Indicators(FY 2026)
NNPA
0.27%Strong
CAR
18.61%Strong
PCR
87.66%Strong
LCR
114.37%Fair
CASA
38.65%Strong
Fixed Deposit (FD) Interest Rates
| TENURE | General | Senior |
|---|
•For callable FDs < ₹3 Cr•Premature withdrawal penalty applies
Savings Account Interest Rates
| Deposit Slabs | Interest Rate |
|---|
Foreign Currency Non-Resident (FCNR-B) Deposit Rates
Maturity | USD |
|---|---|
| 1 to <2 years | 4.75%BEST |
| 2 to <3 years | 3.75% |
| 3 to <4 years | 3.00% |
| 4 to <5 years | 3.65% |
| 5 years | 3.65% |
NRI Fixed Deposit Rates (NRE & NRO)
| TENURE | Interest Rate |
|---|---|
1 year | 6.10% |
Above 1 year to 443 days | 6.10% |
444 daysSpecial FD | 6.45%BEST |
445 days to 2 years | 6.10% |
Above 2 to 3 years | 6.00% |
Above 3 to 5 years | 6.00% |
Above 5 to 10 years | 6.00% |
•For callable NRE FDs < ₹3 Cr•100% tax-free in India•Premature withdrawal penalty applies
Frequently Asked Questions
As of September 2026, UCO Bank offers up to 6.60% p.a. on Fixed Deposits and up to 2.50% p.a. on Savings Accounts based on the balance slabs maintained.
Yes, UCO Bank is a scheduled bank regulated by the RBI. Your deposits (up to ₹5 Lakhs per depositor) are insured by the DICGC, which covers principal and interest across all account types.
The minimum tenure for a fixed deposit with UCO Bank starts from 7 Days. Senior citizens receive an additional interest rate benefit of up to 0.50% p.a. over general citizen rates.
Yes, interest earned on deposits is taxable. Savings account interest is tax-free up to ₹10,000 per year (₹50,000 for senior citizens) under Section 80TTA/80TTB. FD interest is fully taxable, and TDS is deducted at 10% if interest exceeds ₹40,000 (₹50,000 for senior citizens) in a financial year.
UCO Bank FD Calculator
Months
Days
MATURITY AMOUNT
₹1,06,450
MATURITY DATE
19 Sept 2027
Interest rate6.30% p.a.
Principal₹1,00,000
Total interest₹6,450
Indicative only. Actual figures may vary.