Interest Rates for Fixed Deposits & Savings Accounts
Platina* Fixed Deposit - Domestic & NR Deposits
Below mentioned are the Interest Rates with Effect from 24th April 2025
| Tenure | Interest Rate (p.a.) (Under ₹ 3 Crores) |
|---|---|
| 12 Months < 18 Months | 8.10% |
| 18 Months | 8.25% |
| 18 months 1 day to 990 days | 7.95% |
| 991 Days to 60 Months | 7.40% |
*Disclaimer clause:
“Interest rates are subject to periodic changes and the applicable interest rates will be given based on the date and time of receipt of the funds by the Bank"
- Platina FD is a non-callable deposit product. Part closure and pre-closure facilities are not available. Auto-Renewal facility will also not be available for this scheme.
- Deposit amount should be above ₹1 crore and below ₹3 crores, Tenures ranges from 12 months to 60 months with Interest pay-out options like monthly, quarterly and at maturity
- Platina deposits are available for Non-individuals and for all individuals including NR customers. However, the senior citizen additional rate will not be applicable for Platina deposits
Domestic Fixed Deposits And Sampoorna Nidhi
Below mentioned are the Interest Rates with Effect from 24th April 2025
| Tenure | Interest Rate (p.a.) (Under ₹ 3 Crores) |
|---|---|
| 7 days to 29 days | 3.75% |
| 30 days to 89 days | 4.25% |
| 90 days to 180 days | 4.75% |
| 6 months to < 12 months | 7.00% |
| 12 months to < 18 months | 7.90% |
| 18 months | 8.05% |
| 18 months 1 day to 990 days | 7.75% |
| 991 days to 60 months | 7.20% |
| 60 months 1 day to 120 months | 6.50% |
| Additional Interest Rate for Senior Citizens | 0.50% |
*Disclaimer clause:
“Interest rates are subject to periodic changes and the applicable interest rates will be given based on the date and time of receipt of the funds by the Bank"
NRO* Fixed Deposits
Below mentioned are the Interest Rates with Effect from 24th April 2025
| Tenure | Interest Rate (p.a.) (Under ₹ 3 Crores) |
|---|---|
| 7 days to 29 days | 3.75% |
| 30 days to 89 days | 4.25% |
| 90 days to 180 days | 4.75% |
| 6 months to < 12 months | 7.00% |
| 12 months to < 18 months | 7.90% |
| 18 months | 8.05% |
| 18 months 1 day to 990 days | 7.75% |
| 991 days to 60 months | 7.20% |
| 60 months 1 day to 120 months | 6.50% |
- No additional interest rates for senior citizen
*Disclaimer clause:
“Interest rates are subject to periodic changes and the applicable interest rates will be given based on the date and time of receipt of the funds by the Bank"
Recurring Deposits And Sampoorna Lakshya
Below mentioned are the Interest Rates with Effect from 24th April 2025
| Tenure | Interest Rate (p.a.) |
|---|---|
| 6 months to 9 months | 7.00% |
| 12 months to 15 months | 7.90% |
| 18 months | 8.05% |
| 21 months to 30 months | 7.75% |
| 33 months to 60 months | 7.20% |
| 63 months to 120 months | 6.50% |
*Disclaimer clause:
“Interest rates are subject to periodic changes and the applicable interest rates will be given based on the date and time of receipt of the funds by the Bank"
NRE* - Fixed Deposits
Below mentioned are the Interest Rates with Effect from 24th April 2025
| Term Deposits | Interest Rate (p.a.) (Under ₹ 3 Crores) |
|---|---|
| 12 months < 18 months | 7.90% |
| 18 months | 8.05% |
| 18 months 1 day to 990 days | 7.75% |
| 991 days to 60 months | 7.20% |
| 60 months 1 day to 120 months | 6.50% |
*Please Note:
No additional interest rates for senior citizen
- Minimum Tenure for NRE Deposit is 1 year
- In case of pre-closure within 1 year no interest shall be paid and no penalty would be levied
- In case of part withdrawal within 1 year no interest shall be paid on the amount partially withdrawn and no penalty would be levied
Tax Saver FD
Below mentioned are the Interest Rates with Effect from 24th April 2025
| Tenure | Interest Rate (*p.a) |
|---|---|
| 5 years | 7.20% |
*Please Note:
Minimum amount of ₹1,000 and maximum of ₹1,50,000 in a FY for a 5-year lock-in-period
Bulk Deposit Rates
Click here to view the latest bulk deposit interest rates.
Savings Account
Below mentioned are the Interest Rates with Effect from 24th April 2025
| Account balance | Rate of Interest (p.a.) |
|---|---|
| Up to ₹1 lakh | 3.00% |
| > ₹1 lakh to ₹5 lakhs | 5.00% |
| > ₹5 lakhs to ₹10 lakhs | 6.25% |
| > ₹10 lakhs to ₹50 lakhs | 7.25% |
| > ₹50 lakhs | 7.50% |
Please write to customercare[at]ujjivan[dot]com to know more.
* Important Points: No Additional Interest Rate for Senior Citizens
* Calculation Methodology applicable for Savings Accounts:
- Interest is calculated on day-end balances maintained in the savings account and paid out on a quarterly basis
- The higher interest rate will be applied and paid only basis the balances maintained as per slabs.
Ex: If a customer maintains ₹ 120,000/- in the savings account, 3.00% interest will be earned for ₹ 100,000/- and 5.00% interest will be earned for the remaining ₹ 20,000/-
Principal amount
Quarterly interest amount
*Interest is calculated on a quarterly basis.
*The above interest calculation shown is indicative, the actual interest paid out may vary.
*Interest Rates up to ₹ 1 lakh - 3.00% p.a. | Above ₹ 1 lakh to ₹ 5 lakhs - 5.00% p.a. | Above ₹ 5 lakhs to ₹ 10 lakhs - 6.25% p.a. | Above ₹ 10 lakh to ₹ 50 lakhs - 7.25% p.a. | Above ₹ 50 lakhs - 7.50% p.a.
Archives
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Interest Rates of September Month 2024
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Interest Rates of February Month 2025
Interest Rates PDF
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