UCO Bank FD interest rates for 1, 2, 3 and 5 years
Last checked 3 November 2026. Rate card from 21 May 2026. Deposits below ₹3 crore.
UCO Bank pays its best rate among these terms on 1 year: 6.10%, or 6.35% for senior citizens. That ranks 30th of 33 banks we track for 1 year. On a 2-year deposit it pays less than SBI (6.40%).
UCO Bank FD rates by term
| Term | Rate | Senior rate | ₹5 lakh becomes | Rank |
|---|---|---|---|---|
| 1 year Slab: 1 year | 6.10% | 6.35% | ₹5,31,205 | 30th of 33 |
| 2 years Slab: 536 days to 2 years | 6.10% | 6.60% | ₹5,64,357 | 31st of 33 |
| 3 years Slab: 1001 days to 3 years | 6.00% | 6.50% | ₹5,97,809 | 31st of 33 |
| 5 years Slab: Above 3 years to 5 years | 6.00% | 6.50% | ₹6,73,428 | 27th of 33 |
Interest compounds every quarter and is paid at maturity, before tax. Source: UCO Bank deposit rates. Each rate is the slab that contains that exact term.
How UCO Bank compares
- 1 year: the highest rate we track is Ujjivan Small Finance Bank at 7.25%, 1.15 percentage points more. On ₹5 lakh that is ₹6,043 extra.
- 2 years: the highest rate we track is ESAF Small Finance Bank at 7.75%, 1.65 percentage points more. On ₹5 lakh that is ₹18,607 extra.
- 3 years: the highest rate we track is Jana Small Finance Bank at 8.00%, 2.00 percentage points more. On ₹5 lakh that is ₹36,312 extra.
- 5 years: the highest rate we track is Jana Small Finance Bank at 7.77%, 1.77 percentage points more. On ₹5 lakh that is ₹61,214 extra.
Similar banks: Union Bank of India (6.15% for 2 years), Indian Bank (6.15% for 2 years), Bank of Maharashtra (6.15% for 2 years), Punjab & Sind Bank (5.95% for 2 years).
Amounts at UCO Bank
- ₹1 lakh for 1 year at 6.10% becomes ₹1,06,241.
- ₹10 lakh for 1 year at 6.10% becomes ₹10,62,410.
Questions people ask
What is the UCO Bank FD rate for 1 year?
UCO Bank pays 6.10% a year on a 1-year deposit below ₹3 crore (6.35% for senior citizens). ₹5 lakh grows to ₹5,31,205. The slab is "1 year".
What is the UCO Bank FD rate for 2 years?
UCO Bank pays 6.10% a year on a 2-year deposit below ₹3 crore (6.60% for senior citizens). ₹5 lakh grows to ₹5,64,357. The slab is "536 days to 2 years".
What is the UCO Bank FD rate for 3 years?
UCO Bank pays 6.00% a year on a 3-year deposit below ₹3 crore (6.50% for senior citizens). ₹5 lakh grows to ₹5,97,809. The slab is "1001 days to 3 years".
What is the UCO Bank FD rate for 5 years?
UCO Bank pays 6.00% a year on a 5-year deposit below ₹3 crore (6.50% for senior citizens). ₹5 lakh grows to ₹6,73,428. The slab is "Above 3 years to 5 years".
Is money in a UCO Bank FD safe?
UCO Bank is a public sector bank. DICGC insures deposits up to ₹5 lakh per depositor per bank, principal and interest together.
More FD rate pages
1-year FD rates · 2-year FD rates · 3-year FD rates · 5-year FD rates · Senior citizen FD rates · Tax-saver FD rates · All FD rate pages · Post office FD rates · SCSS interest rate