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Ujjivan Small Finance Bank
Safety:Bank Safety:Good
•✓₹5l DICGC insuredDICGC insured up to ₹5L
Bank Overview
Type
Small FinanceHeadquarters
BengaluruFounded
2017Branches
776DICGC Coverage
₹5 LakhsFinancial Health Indicators(FY 2026)
NNPA
0.40%Strong
CAR
21.14%Strong
PCR
81.00%Strong
LCR
142.00%Strong
CASA
28.60%Fair
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 |
|---|---|
| Deposit Amount | $500+ |
| 1 to <2 years | 5.30%BEST |
| 2 to <3 years | 4.50% |
| 3 to <4 years | 4.25% |
| 4 to <5 years | 4.00% |
| 5 years | 4.00% |
NRI Fixed Deposit Rates (NRE & NRO)
| TENURE | Interest Rate |
|---|---|
1 to <2 years | 7.25% |
2 years | 7.55% |
2 to 3 years | 7.25% |
3 years to 3 years 6 months | 7.80%BEST |
Above 3 years 6 months to 5 years | 7.20% |
5 years 1 day | 7.30% |
5 to 10 years | 6.50% |
•For callable NRE FDs < ₹3 Cr•100% tax-free in India•Premature withdrawal penalty applies
Frequently Asked Questions
As of September 2026, Ujjivan Small Finance Bank offers up to 7.80% p.a. on Fixed Deposits and up to 7.15% p.a. on Savings Accounts based on the balance slabs maintained.
Yes, Ujjivan Small Finance 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 Ujjivan Small Finance Bank starts from 7 Days. Senior citizens receive an additional interest rate benefit of up to 0.50% p.a. over general citizen rates.
Ujjivan Small Finance Bank offers tiered interest rates ranging from 2.50% to 7.15% p.a. depending on the balance slabs maintained in the savings account.
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.
Ujjivan SFB FD Calculator
Months
Days
MATURITY AMOUNT
₹1,07,450
MATURITY DATE
19 Sept 2027
Interest rate7.25% p.a.
Principal₹1,00,000
Total interest₹7,450
Indicative only. Actual figures may vary.