Utkarsh Small Finance Bank FD interest rates for 1, 2, 3 and 5 years
Last checked 3 November 2026. Rate card from 1 November 2026. Deposits below ₹3 crore.
Utkarsh Small Finance Bank pays its best rate among these terms on 2 years: 7.50%, or 7.90% for senior citizens. That ranks 2nd of 33 banks we track for 2 years. On a 2-year deposit it pays more than SBI (6.40%).
Utkarsh SFB FD rates by term
| Term | Rate | Senior rate | ₹5 lakh becomes | Rank |
|---|---|---|---|---|
| 1 year Slab: 181 days to 370 days | 6.00% | 6.40% | ₹5,30,682 | 32nd of 33 |
| 2 years Slab: 2 years (730 days) up to 3 years | 7.50% | 7.90% | ₹5,80,111 | 2nd of 33 |
| 3 years Slab: 2 years (730 days) up to 3 years (1095 days) | 7.50% | 7.90% | ₹6,24,858 | 2nd of 33 |
| 5 years Slab: 4 years (1461 days) up to 5 years (1826 days) | 7.00% | 7.40% | ₹7,07,389 | 5th of 33 |
| Tax saver, 5 years 80C, old regime only | 7.00% | 7.50% | ₹7,07,389 | Compare |
Interest compounds every quarter and is paid at maturity, before tax. Source: Utkarsh Small Finance Bank deposit rates. Each rate is the slab that contains that exact term.
How Utkarsh SFB compares
- 1 year: the highest rate we track is Ujjivan Small Finance Bank at 7.25%, 1.25 percentage points more. On ₹5 lakh that is ₹6,566 extra.
- 2 years: the highest rate we track is ESAF Small Finance Bank at 7.75%, 0.25 percentage points more. On ₹5 lakh that is ₹2,853 extra.
- 3 years: the highest rate we track is Jana Small Finance Bank at 8.00%, 0.50 percentage points more. On ₹5 lakh that is ₹9,263 extra.
- 5 years: the highest rate we track is Jana Small Finance Bank at 7.77%, 0.77 percentage points more. On ₹5 lakh that is ₹27,253 extra.
Similar banks: Ujjivan Small Finance Bank (7.45% 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 Utkarsh SFB
- ₹1 lakh for 2 years at 7.50% becomes ₹1,16,022.
- ₹10 lakh for 2 years at 7.50% becomes ₹11,60,222.
Questions people ask
What is the Utkarsh SFB FD rate for 1 year?
Utkarsh Small Finance Bank pays 6.00% a year on a 1-year deposit below ₹3 crore (6.40% for senior citizens). ₹5 lakh grows to ₹5,30,682. The slab is "181 days to 370 days".
What is the Utkarsh SFB FD rate for 2 years?
Utkarsh Small Finance Bank pays 7.50% a year on a 2-year deposit below ₹3 crore (7.90% for senior citizens). ₹5 lakh grows to ₹5,80,111. The slab is "2 years (730 days) up to 3 years".
What is the Utkarsh SFB FD rate for 3 years?
Utkarsh Small Finance Bank pays 7.50% a year on a 3-year deposit below ₹3 crore (7.90% for senior citizens). ₹5 lakh grows to ₹6,24,858. The slab is "2 years (730 days) up to 3 years (1095 days)".
What is the Utkarsh SFB FD rate for 5 years?
Utkarsh Small Finance Bank pays 7.00% a year on a 5-year deposit below ₹3 crore (7.40% for senior citizens). ₹5 lakh grows to ₹7,07,389. The slab is "4 years (1461 days) up to 5 years (1826 days)".
What is the Utkarsh SFB tax-saver FD rate?
7.00% for 5 years (7.50% for senior citizens). It qualifies for 80C in the old tax regime and cannot be broken before 5 years.
Is money in a Utkarsh SFB FD safe?
Utkarsh 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