Planning to Invest in High-Interest Fixed Deposit? Consider This Small Finance Bank

Fixed Deposits (FDs) continue to be a popular investment choice among Indian consumers. According to the Reserve Bank of India (RBI), term deposits grew by 13.3% YoY in 2024, showcasing their steady demand despite the rise of other investment options. The primary reason? Assured returns and stability.

With market volatility and interest rate fluctuations, finding a bank that offers competitive FD rates can significantly impact your financial growth. If you’re looking to park your funds in a secure, high-interest FD, Ujjivan Small Finance Bank is one institution that stands out.

Why Choose Ujjivan Small Finance Bank for Your FD Investment?

1. Higher Interest Rates

Ujjivan offers one of the most attractive FD interest rates in the market. You can earn up to 7.75% p.a.* (as on 19 June 2025, *T&C Apply) on your deposits. Senior citizens can benefit from additional rates, 0.50% p.a. over and above the standard rates, making it a preferred choice for retirees.

2. Multiple Fixed Deposit Products

Ujjivan offers a variety of FD schemes meticulously curated to meet your unique requirements. If you want to grow your money and save tax at the same time, consider investing in Tax Saver Fixed Deposit. With tax-saving fixed deposits, you can claim tax deduction up to ₹1.5 lakh under Section 80C of the Income Tax Act, provided you fall into the old tax regime. If your goal is to earn maximum returns, invest in Platina FD – a non-callable FD offering returns up to 7.85%* p.a. Explore more deposit products here.

3. Flexible Tenure Options

Whether you’re looking for a short-term investment of 7 days or a long-term FD of 10 years, Ujjivan offers flexible tenure options to suit your needs.

4. Assured Returns with Safety

Ujjivan is regulated by RBI and adheres to the highest safety standards. Moreover, deposits up to ₹5 lakh are insured under DICGC, ensuring capital protection.

5. Ease of Investment

You can open an FD account with Ujjivan through both online and offline modes. The process is seamless, requiring minimal documentation.

6. Loan and Overdraft Against FD

Need emergency funds? Ujjivan allows you to avail overdraft against Fixed Deposit. No EMI payments required – just ensure to repay the amount within the FD maturity date.