Ujjivan Small Finance Bank FD interest rates for 1, 2, 3 and 5 years
Last checked 3 November 2026. Rate card from 5 August 2025. Deposits below ₹3 crore.
Ujjivan Small Finance Bank pays its best rate among these terms on 2 years: 7.45%, or 7.95% for senior citizens. That ranks 4th of 33 banks we track for 2 years. On a 2-year deposit it pays more than SBI (6.40%).
Ujjivan SFB FD rates by term
| Term | Rate | Senior rate | ₹5 lakh becomes | Rank |
|---|---|---|---|---|
| 1 year Slab: 12 months to less than 24 months | 7.25% | 7.75% | ₹5,37,248 | 1st of 33 |
| 2 years Slab: 24 months | 7.45% | 7.95% | ₹5,79,542 | 4th of 33 |
| 3 years Slab: 991 days to 60 months | 7.20% | 7.70% | ₹6,19,360 | 7th of 33 |
| 5 years Slab: 991 days to 60 months | 7.20% | 7.70% | ₹7,14,374 | 3rd of 33 |
| Tax saver, 5 years 80C, old regime only | 7.20% | Not stated | ₹7,14,374 | Compare |
Interest compounds every quarter and is paid at maturity, before tax. Source: Ujjivan Small Finance Bank deposit rates. Each rate is the slab that contains that exact term.
How Ujjivan SFB compares
- 1 year: Ujjivan SFB pays the highest rate we track.
- 2 years: the highest rate we track is ESAF Small Finance Bank at 7.75%, 0.30 percentage points more. On ₹5 lakh that is ₹3,422 extra.
- 3 years: the highest rate we track is Jana Small Finance Bank at 8.00%, 0.80 percentage points more. On ₹5 lakh that is ₹14,761 extra.
- 5 years: the highest rate we track is Jana Small Finance Bank at 7.77%, 0.57 percentage points more. On ₹5 lakh that is ₹20,268 extra.
Similar banks: Utkarsh Small Finance Bank (7.50% for 2 years), Jana Small Finance Bank (7.30% for 2 years), ESAF Small Finance Bank (7.75% for 2 years), AU Small Finance Bank (7.00% for 2 years).
Amounts at Ujjivan SFB
- ₹1 lakh for 2 years at 7.45% becomes ₹1,15,908.
- ₹10 lakh for 2 years at 7.45% becomes ₹11,59,083.
Questions people ask
What is the Ujjivan SFB FD rate for 1 year?
Ujjivan Small Finance Bank pays 7.25% a year on a 1-year deposit below ₹3 crore (7.75% for senior citizens). ₹5 lakh grows to ₹5,37,248. The slab is "12 months to less than 24 months".
What is the Ujjivan SFB FD rate for 2 years?
Ujjivan Small Finance Bank pays 7.45% a year on a 2-year deposit below ₹3 crore (7.95% for senior citizens). ₹5 lakh grows to ₹5,79,542. The slab is "24 months".
What is the Ujjivan SFB FD rate for 3 years?
Ujjivan Small Finance Bank pays 7.20% a year on a 3-year deposit below ₹3 crore (7.70% for senior citizens). ₹5 lakh grows to ₹6,19,360. The slab is "991 days to 60 months".
What is the Ujjivan SFB FD rate for 5 years?
Ujjivan Small Finance Bank pays 7.20% a year on a 5-year deposit below ₹3 crore (7.70% for senior citizens). ₹5 lakh grows to ₹7,14,374. The slab is "991 days to 60 months".
What is the Ujjivan SFB tax-saver FD rate?
7.20% for 5 years. It qualifies for 80C in the old tax regime and cannot be broken before 5 years.
Is money in a Ujjivan SFB FD safe?
Ujjivan Small Finance Bank is a small finance bank bank licensed by the RBI. 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