Ujjivan Bank is the 3rd largest small finance bank in India that offers fixed deposits (FDs) at competitive rates. Senior citizens can earn higher interest rates for all tenures with the bank. Ujjivan Small Finance Bank FD rates in 2026 are as high as 7.95% allowing you to maximise interest in just 24 months.

Term-Wise Ujjivan Small Finance Bank FD Rates 

Ujjivan Small Finance Bank offers FD for the following terms:

• Short-Term FD: These term deposits have a tenure of 7 days to 1 year. Ujjivan offers an interest rate ranging between 3.50% to 5.50% for general citizens and 4.00% to 6.00% for senior citizens on short-term fixed deposits.
• Medium-Term FD: For medium-term fixed deposits you can book an FD of 1 year to 5 years offering an interest ranging from 7.25% to 7.45% as a regular citizen and 7.75% to 7.95% as a senior citizen.
• Long-term FD: Long term ujjivan FDs have 5 to 10 years tenure offering an interest rate of 6.50% for regular citizens and 7.00% for senior citizens.  

Consider the following example to understand the interest receivable:

Mr. X, a senior citizen of 65 years, books an FD of ₹95,000 for 1 year with Ujjivan Bank. He will earn interest at the rate of 7.95%. Thus, he will receive an interest income of ₹7553 and his FD maturity value will be ₹1,02,553.

Compare FD rates across different banks and book your FD up to 8.30% via Stable Money App.

Benefits of Ujjivan Small Finance Bank FD 

Here are the benefits of availing Ujjivan Bank FD:

• You can choose from monthly, quarterly or at-maturity interest payout options.
• Ujjivan Bank does not charge any premature withdrawal penalty after 6 months.
• Interest is compounded quarterly.

Eligibility to Ujjivan Small Finance Bank FD Rates

Here is the eligibility criteria to book Ujjivan Small Finance Bank fixed deposits:

• Resident Indian individuals
• HUF (Hindu Undivided Family)
• Limited Companies

Documents Required to Avail Ujjivan Small Finance Bank FD Rates

You need the following documents to avail Ujjivan Bank FD interest rates:

• PAN Card
• Aadhaar Card 
• Other address proof like passport or driving license (if required)
• Form 60 if PAN is unavailable

Premature Withdrawal of Ujjivan Small Finance Bank FD

You can consider premature liquidation of all Ujjivan Bank fixed deposits excluding tax-saving fixed deposits. The bank does not levy any premature withdrawal penalty if you liquidate your FD after 6 months from the booking date.

Tax on Ujjivan Small Finance Bank FD Interest

If you book a tax-saving FD, you can save up to ₹1.5 lakh per year under Section  80C of the Income Tax Act. However, if you book a regular FD, the interest is subject to taxation as per the income tax slab rate.

Ujjivan Bank further deducts 10% TDS (with PAN) if the interest income exceeds ₹50,000 for regular citizens. The limit for senior citizens is ₹1 lakh for TDS deduction. In the absence of PAN, banks deduct a 20% TDS. 

Ujjivan Small Finance Bank FD Calculator

You can easily calculate returns from the ujjivan small finance bank fixed deposit with the help of ujjivan SF Bank FD Calculator given below. 

Why Should You Choose Stable Money to Avail Ujjivan FD Rates?

By choosing Stable Money, you can easily book multiple FDs at your convenience. Booking an FD with Ujjivan Bank through the Stable Money App helps you achieve your short and medium-term financial goals while maximizing your interest income.

Additionally, the Stable Money calculator allows you to accurately estimate the maturity value and interest receivable before FD booking, aiding in better financial goal planning.

Download the Stable Money App now to book an FD with Ujjivan Bank!