Sampoorna Nidhi

Sampoorna Nidhi

Who doesn’t want a second income?

Whether you are a young couple embarking on a newly married life or you have retired and are living now on meagre income and savings, that extra income is something you will always welcome with open arms. That is why we suggest you open a Fixed Deposit with our bank - Sampoorna Nidhi. It is a second income you can trust.


Opening a Sampoorna Nidhi Fixed Deposit account ensures you get consistent and regular interest on your money, which is almost like an additional monthly income. This fixed deposit gives a higher rate of interest and the interest amount gets credited to your savings account every month. In short, Sampoorna Nidhi takes care of your out-of-pocket monthly expenses along with securing your family’s future.

Eligibility Criteria

  • Resident individual customers with existing savings account or individual current account
  • No minimum age requirement
  • Documents required: customer consent on an account opening form

NOTE * Monthly interest computation on term deposits is at discounted rates.


  • Minimum amount – ₹ 25,000 and in multiples of ₹ 1,000 thereof
  • Tenure - 12 to 60 months in multiples of 12 months
  • Interest calculated monthly and deposited to customers' linked USFB saving or current account
  • Option to close prematurely without penalty after six months of account opening
  • Can be opened at centre meetings and bank branches
  • 0.50% additional interest rate for senior citizens
  • Auto-renewal facility is available
  • Higher interest rate than in savings accounts
  • Fund your deposit directly from the Ujjivan SFB account
  • 24*7 customer care facility available
  • Walk into any of our banking outlets across 24 states and union territories
  • Get Sampoorna Nidhi advice delivered on registered email ID within 24 hours of opening the account

Create a second income stream! Earn up to 8.75% p.a. on Sampoorna Nidhi!

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