Fixed deposits
FD · GeneralFD
w.e.f. 2026-05-0511 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 Days to 45 Days | ₹1,000 – ₹3,00,00,000 | 4.00% |
| 46 Days to 90 Days | ₹1,000 – ₹3,00,00,000 | 4.50% |
| 91 Days to 180 Days | ₹1,000 – ₹3,00,00,000 | 5.00% |
| 181 Days to 370 Days | ₹1,000 – ₹3,00,00,000 | 6.00% |
| 371 Days to 665 Days | ₹1,000 – ₹3,00,00,000 | 7.25% |
| 666 Days | ₹1,000 – ₹3,00,00,000 | 8.10% |
| 667 Days to 2 Years (729 Days) | ₹1,000 – ₹3,00,00,000 | 7.25% |
| 2 Years (730 Days) to 3 Years (1095 Days) | ₹1,000 – ₹3,00,00,000 | 7.50% |
| Above 3 Years (1096 Days) to less than 4 Years (1460 Days) | ₹1,000 – ₹3,00,00,000 | 7.25% |
| 4 Years (1461 Days) to 5 Years (1826 Days) | ₹1,000 – ₹3,00,00,000 | 7.00% |
| Above 5 Years to 10 Years | ₹1,000 – ₹3,00,00,000 | 6.75% |
FD · Senior CitizenFD_SC
w.e.f. 2026-05-0511 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 Days to 45 Days | ₹1,000 – ₹3,00,00,000 | 4.50% |
| 46 Days to 90 Days | ₹1,000 – ₹3,00,00,000 | 5.00% |
| 91 Days to 180 Days | ₹1,000 – ₹3,00,00,000 | 5.50% |
| 181 Days to 370 Days | ₹1,000 – ₹3,00,00,000 | 6.50% |
| 371 Days to 665 Days | ₹1,000 – ₹3,00,00,000 | 7.75% |
| 666 Days | ₹1,000 – ₹3,00,00,000 | 8.25% |
| 667 Days to 2 Years (729 Days) | ₹1,000 – ₹3,00,00,000 | 7.75% |
| 2 Years (730 Days) to 3 Years (1095 Days) | ₹1,000 – ₹3,00,00,000 | 8.00% |
| Above 3 Years (1096 Days) to less than 4 Years (1460 Days) | ₹1,000 – ₹3,00,00,000 | 7.75% |
| 4 Years (1461 Days) to 5 Years (1826 Days) | ₹1,000 – ₹3,00,00,000 | 7.50% |
| Above 5 Years to 10 Years | ₹1,000 – ₹3,00,00,000 | 7.25% |
FD · Non-CallableFD_NC
w.e.f. 2026-05-0511 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 Days to 45 Days | ₹1,00,00,000 – ₹3,00,00,000 | 4.00% |
| 46 Days to 90 Days | ₹1,00,00,000 – ₹3,00,00,000 | 4.50% |
| 91 Days to 180 Days | ₹1,00,00,000 – ₹3,00,00,000 | 5.00% |
| 181 Days to 370 Days | ₹1,00,00,000 – ₹3,00,00,000 | 6.00% |
| 371 Days to 665 Days | ₹1,00,00,000 – ₹3,00,00,000 | 7.50% |
| 666 Days | ₹1,00,00,000 – ₹3,00,00,000 | 8.35% |
| 667 Days to 2 Years (729 Days) | ₹1,00,00,000 – ₹3,00,00,000 | 7.50% |
| 2 Years (730 Days) to 3 Years (1095 Days) | ₹1,00,00,000 – ₹3,00,00,000 | 7.75% |
| Above 3 Years (1096 Days) to less than 4 Years (1460 Days) | ₹1,00,00,000 – ₹3,00,00,000 | 7.50% |
| 4 Years (1461 Days) to 5 Years (1826 Days) | ₹1,00,00,000 – ₹3,00,00,000 | 7.25% |
| Above 5 Years to 10 Years | ₹1,00,00,000 – ₹3,00,00,000 | 7.00% |
FD · Non-Callable SCFD_NC_SC
w.e.f. 2026-05-0511 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 Days to 45 Days | ₹1,00,00,000 – ₹3,00,00,000 | 4.50% |
| 46 Days to 90 Days | ₹1,00,00,000 – ₹3,00,00,000 | 5.00% |
| 91 Days to 180 Days | ₹1,00,00,000 – ₹3,00,00,000 | 5.50% |
| 181 Days to 370 Days | ₹1,00,00,000 – ₹3,00,00,000 | 6.50% |
| 371 Days to 665 Days | ₹1,00,00,000 – ₹3,00,00,000 | 8.00% |
| 666 Days | ₹1,00,00,000 – ₹3,00,00,000 | 8.50% |
| 667 Days to 2 Years (729 Days) | ₹1,00,00,000 – ₹3,00,00,000 | 8.00% |
| 2 Years (730 Days) to 3 Years (1095 Days) | ₹1,00,00,000 – ₹3,00,00,000 | 8.25% |
| Above 3 Years (1096 Days) to less than 4 Years (1460 Days) | ₹1,00,00,000 – ₹3,00,00,000 | 8.00% |
| 4 Years (1461 Days) to 5 Years (1826 Days) | ₹1,00,00,000 – ₹3,00,00,000 | 7.75% |
| Above 5 Years to 10 Years | ₹1,00,00,000 – ₹3,00,00,000 | 7.50% |
Tax-saver deposits (80C)
Tax SaverFD_TAX
w.e.f. 2026-05-051 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Exactly 5 calendar years | ₹1,000 – ₹1,50,000 | 7.00% |
Tax Saver SCFD_TAX_SC
w.e.f. 2026-05-051 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Exactly 5 calendar years | ₹1,000 – ₹1,50,000 | 7.50% |
Recurring deposits
RDRD
w.e.f. 2026-05-0510 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Upto 6 Months | ₹1,000 – ₹25,00,000 | 4.00% |
| 9 months | ₹1,000 – ₹25,00,000 | 4.00% |
| 12 months | ₹1,000 – ₹25,00,000 | 6.00% |
| 15 months | ₹1,000 – ₹25,00,000 | 6.00% |
| 18 months | ₹1,000 – ₹25,00,000 | 7.00% |
| 21 months | ₹1,000 – ₹25,00,000 | 7.00% |
| Above 21 months to 24 months | ₹1,000 – ₹25,00,000 | 7.25% |
| Above 24 months to 30 months | ₹1,000 – ₹25,00,000 | 7.25% |
| Above 30 months to 36 months | ₹1,000 – ₹25,00,000 | 7.00% |
| Above 36 months upto 120 months | ₹1,000 – ₹25,00,000 | 6.75% |
RD · SCRD_SC
w.e.f. 2026-05-0510 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Upto 6 Months | ₹1,000 – ₹25,00,000 | 4.50% |
| 9 months | ₹1,000 – ₹25,00,000 | 4.50% |
| 12 months | ₹1,000 – ₹25,00,000 | 6.50% |
| 15 months | ₹1,000 – ₹25,00,000 | 6.50% |
| 18 months | ₹1,000 – ₹25,00,000 | 7.50% |
| 21 months | ₹1,000 – ₹25,00,000 | 7.50% |
| Above 21 months to 24 months | ₹1,000 – ₹25,00,000 | 7.75% |
| Above 24 months to 30 months | ₹1,000 – ₹25,00,000 | 7.75% |
| Above 30 months to 36 months | ₹1,000 – ₹25,00,000 | 7.50% |
| Above 36 months upto 120 months | ₹1,000 – ₹25,00,000 | 7.25% |
Savings accounts
SavingsSAVINGS
w.e.f. 2026-07-0110 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Upto ₹1 Lakh | ₹0 – ₹1,00,000 | 2.75% |
| >₹1 Lakh - ₹3 Lakhs | ₹1,00,001 – ₹3,00,000 | 3.50% |
| >₹3 Lakhs - ₹5 Lakhs | ₹3,00,001 – ₹5,00,000 | 4.25% |
| >₹5 Lakhs - ₹10 Lakhs | ₹5,00,001 – ₹10,00,000 | 5.50% |
| >₹10 Lakhs - ₹50 Lakhs | ₹10,00,001 – ₹50,00,000 | 7.00% |
| >₹50 Lakhs - ₹10 Crore | ₹50,00,001 – ₹10,00,00,000 | 7.25% |
| >₹10 Crore - ₹100 Crore | ₹10,00,00,001 – ₹1,00,00,00,000 | 7.50% |
| >₹100 Crore - ₹250 Crore | ₹1,00,00,00,001 – ₹2,50,00,00,000 | 8.00% |
| >₹250 Crore - ₹500 Crore | ₹2,50,00,00,001 – ₹5,00,00,00,000 | 8.25% |
| >₹500 Crore | ₹5,00,00,00,001 and above | 8.00% |
NRE SavingsNRE_SAVINGS
w.e.f. 2026-07-0110 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Upto ₹1 Lakh | ₹0 – ₹1,00,000 | 2.75% |
| >₹1 Lakh - ₹3 Lakhs | ₹1,00,001 – ₹3,00,000 | 3.50% |
| >₹3 Lakhs - ₹5 Lakhs | ₹3,00,001 – ₹5,00,000 | 4.25% |
| >₹5 Lakhs - ₹10 Lakhs | ₹5,00,001 – ₹10,00,000 | 5.50% |
| >₹10 Lakhs - ₹50 Lakhs | ₹10,00,001 – ₹50,00,000 | 7.00% |
| >₹50 Lakhs - ₹10 Crore | ₹50,00,001 – ₹10,00,00,000 | 7.25% |
| >₹10 Crore - ₹100 Crore | ₹10,00,00,001 – ₹1,00,00,00,000 | 7.50% |
| >₹100 Crore - ₹250 Crore | ₹1,00,00,00,001 – ₹2,50,00,00,000 | 8.00% |
| >₹250 Crore - ₹500 Crore | ₹2,50,00,00,001 – ₹5,00,00,00,000 | 8.25% |
| >₹500 Crore | ₹5,00,00,00,001 and above | 8.00% |
NRO SavingsNRO_SAVINGS
w.e.f. 2026-07-0110 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Upto ₹1 Lakh | ₹0 – ₹1,00,000 | 2.75% |
| >₹1 Lakh - ₹3 Lakhs | ₹1,00,001 – ₹3,00,000 | 3.50% |
| >₹3 Lakhs - ₹5 Lakhs | ₹3,00,001 – ₹5,00,000 | 4.25% |
| >₹5 Lakhs - ₹10 Lakhs | ₹5,00,001 – ₹10,00,000 | 5.50% |
| >₹10 Lakhs - ₹50 Lakhs | ₹10,00,001 – ₹50,00,000 | 7.00% |
| >₹50 Lakhs - ₹10 Crore | ₹50,00,001 – ₹10,00,00,000 | 7.25% |
| >₹10 Crore - ₹100 Crore | ₹10,00,00,001 – ₹1,00,00,00,000 | 7.50% |
| >₹100 Crore - ₹250 Crore | ₹1,00,00,00,001 – ₹2,50,00,00,000 | 8.00% |
| >₹250 Crore - ₹500 Crore | ₹2,50,00,00,001 – ₹5,00,00,00,000 | 8.25% |
| >₹500 Crore | ₹5,00,00,00,001 and above | 8.00% |
NRI deposits
NRENRE
w.e.f. 2026-05-058 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 365 Days to 370 Days | ₹10,000 – ₹2,99,99,999 | 6.00% |
| 371 Days to 665 Days | ₹10,000 – ₹2,99,99,999 | 7.25% |
| 666 Days (Special)utkarsh_nre_special_666d | ₹10,000 – ₹2,99,99,998 | 8.10% |
| 667 Days to 2 Years (729 Days) | ₹10,000 – ₹2,99,99,999 | 7.25% |
| 2 Years (730 Days) to 3 Years (1095 Days) | ₹10,000 – ₹2,99,99,999 | 7.50% |
| Above 3 Years (1096 Days) to less than 4 Years (1460 Days) | ₹10,000 – ₹2,99,99,999 | 7.25% |
| 4 Years (1461 Days) to 5 Years (1826 Days) | ₹10,000 – ₹2,99,99,999 | 7.00% |
| Above 5 Years to 10 Years | ₹10,000 – ₹2,99,99,999 | 6.75% |
NRONRO
w.e.f. 2026-05-0511 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 Days to 45 Days | ₹10,000 – ₹2,99,99,999 | 4.00% |
| 46 Days to 90 Days | ₹10,000 – ₹2,99,99,999 | 4.50% |
| 91 Days to 180 Days | ₹10,000 – ₹2,99,99,999 | 5.00% |
| 181 Days to 370 Days | ₹10,000 – ₹2,99,99,999 | 6.00% |
| 371 Days to 665 Days | ₹10,000 – ₹2,99,99,999 | 7.25% |
| 666 Days (Special)utkarsh_nro_special_666d | ₹10,000 – ₹2,99,99,998 | 8.10% |
| 667 Days to 2 Years (729 Days) | ₹10,000 – ₹2,99,99,999 | 7.25% |
| 2 Years (730 Days) to 3 Years (1095 Days) | ₹10,000 – ₹2,99,99,999 | 7.50% |
| Above 3 Years (1096 Days) to less than 4 Years (1460 Days) | ₹10,000 – ₹2,99,99,999 | 7.25% |
| 4 Years (1461 Days) to 5 Years (1826 Days) | ₹10,000 – ₹2,99,99,999 | 7.00% |
| Above 5 Years to 10 Years | ₹10,000 – ₹2,99,99,999 | 6.75% |
If you break it early
Breaking this deposit early — FD · General
Every band Utkarsh Small Finance Bank publishes for premature closure of FD · General, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to under ₹3 crore | 0 days to 6 days | no penalty | No interest is paid at all. |
| ₹1,000 to under ₹3 crore | 7 days to 10 years | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
The bank’s own wording
- ₹1,000 to under ₹3 crore · 0 days to 6 days
“No interest is payable for deposits prematurely withdrawn within the period of 7 days from the date of deposit.”
Source - ₹1,000 to under ₹3 crore · 7 days to 10 years
“A penalty of 1% shall be deducted from the applicable rate for the period the deposit remained with the Bank.”
Source
Breaking this deposit early — FD · Senior Citizen
Every band Utkarsh Small Finance Bank publishes for premature closure of FD · Senior Citizen, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to under ₹3 crore | 0 days to 6 days | no penalty | No interest is paid at all. |
| ₹1,000 to under ₹3 crore | 7 days to 10 years | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
The bank’s own wording
- ₹1,000 to under ₹3 crore · 0 days to 6 days
“No interest is payable for deposits prematurely withdrawn within the period of 7 days from the date of deposit.”
Source - ₹1,000 to under ₹3 crore · 7 days to 10 years
“A penalty of 1% shall be deducted from the applicable rate for the period the deposit remained with the Bank.”
Source
Breaking this deposit early — FD · Non-Callable
Every band Utkarsh Small Finance Bank publishes for premature closure of FD · Non-Callable, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1 crore to under ₹3 crore | 7 days to 10 years | cannot be closed early |
The bank’s own wording
- ₹1 crore to under ₹3 crore · 7 days to 10 years
“No premature withdrawal is allowed for this deposit except in the event of any direction from any statutory and/or regulatory authority or deceased claim settlement cases^.”
Source
Breaking this deposit early — FD · Non-Callable SC
Every band Utkarsh Small Finance Bank publishes for premature closure of FD · Non-Callable SC, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1 crore to under ₹3 crore | 7 days to 10 years | cannot be closed early |
The bank’s own wording
- ₹1 crore to under ₹3 crore · 7 days to 10 years
“No premature withdrawal is allowed for this deposit except in the event of any direction from any statutory and/or regulatory authority or deceased claim settlement cases^.”
Source
Breaking this deposit early — Tax Saver
Every band Utkarsh Small Finance Bank publishes for premature closure of Tax Saver, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to ₹1,50,000 | 5 years to 5 years | cannot be closed early |
The bank’s own wording
- ₹1,000 to ₹1,50,000 · 5 years to 5 years
“No premature withdrawal is allowed for this deposit except in the event of any direction from any statutory and/or regulatory authority or deceased claim settlement cases^.”
Source
Breaking this deposit early — Tax Saver SC
Every band Utkarsh Small Finance Bank publishes for premature closure of Tax Saver SC, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to ₹1,50,000 | 5 years to 5 years | cannot be closed early |
The bank’s own wording
- ₹1,000 to ₹1,50,000 · 5 years to 5 years
“No premature withdrawal is allowed for this deposit except in the event of any direction from any statutory and/or regulatory authority or deceased claim settlement cases^.”
Source
Not yet verified
We have not read and recorded Utkarsh Small Finance Bank’s premature-withdrawal terms for RD, RD · SC, Savings, NRE Savings, NRO Savings, NRE, NRO. That is not a statement that breaking these is free. It means nobody has yet read the bank’s own wording for them. Ask the bank before you assume a cost.
Not offered by Utkarsh Small Finance Bank
46 products we track are confirmed absent from this bank — each verdict recorded against the page that was read. Products missing from both lists are ones we have not yet established either way.
Fixed deposits
Tax-saver deposits (80C)
- Tax Saver SSCsource ↗checked 2026-07-20
Recurring deposits
- RD · SSCsource ↗checked 2026-07-20
Auto-sweep
NRI deposits
- FCNR (legacy aggregate)checked 2026-07-01
- NRE · Non-Callablesource ↗checked 2026-07-20
- NRO · Non-Callablesource ↗checked 2026-07-20
- RFC · AUD (returned NRI)source ↗checked 2026-07-22
- RFC · CAD (returned NRI)source ↗checked 2026-07-22
- RFC · CHF (returned NRI)source ↗checked 2026-07-22
- RFC · EUR (returned NRI)source ↗checked 2026-07-22
- RFC · GBP (returned NRI)source ↗checked 2026-07-22
- RFC · HKD (returned NRI)source ↗checked 2026-07-22
- RFC · NZD (returned NRI)source ↗checked 2026-07-22
- RFC · SEK (Krona) (returned NRI)source ↗checked 2026-07-22
- RFC · SGD (returned NRI)source ↗checked 2026-07-22
- RFC · USD (returned NRI)source ↗checked 2026-07-22
- RFC · YEN (JPY) (returned NRI)source ↗checked 2026-07-22
- RFC Savings (returned NRI)source ↗checked 2026-07-22
FCNR — callable
- FCNR · AUD · Callablesource ↗checked 2026-07-22
- FCNR · CAD · Callablesource ↗checked 2026-07-22
- FCNR · CHF · Callablesource ↗checked 2026-07-22
- FCNR · EUR · Callablesource ↗checked 2026-07-22
- FCNR · GBP · Callablesource ↗checked 2026-07-22
- FCNR · HKD · Callablesource ↗checked 2026-07-22
- FCNR · NZD · Callablesource ↗checked 2026-07-14
- FCNR · SEK (Krona) · Callablesource ↗checked 2026-07-20
- FCNR · SEK (Krona) · Non-Callablesource ↗checked 2026-07-20
- FCNR · SGD · Callablesource ↗checked 2026-07-22
- FCNR · USD · Callablesource ↗checked 2026-07-22
- FCNR · YEN (JPY) · Callablesource ↗checked 2026-07-22
FCNR — non-callable
- FCNR · AUD · Non-Callablesource ↗checked 2026-07-22
- FCNR · CAD · Non-Callablesource ↗checked 2026-07-22
- FCNR · CHF · Non-Callablesource ↗checked 2026-07-22
- FCNR · EUR · Non-Callablesource ↗checked 2026-07-22
- FCNR · GBP · Non-Callablesource ↗checked 2026-07-22
- FCNR · HKD · Non-Callablesource ↗checked 2026-07-22
- FCNR · NZD · Non-Callablesource ↗checked 2026-07-22
- FCNR · SGD · Non-Callablesource ↗checked 2026-07-22
- FCNR · USD · Non-Callablesource ↗checked 2026-07-22
- FCNR · YEN (JPY) · Non-Callablesource ↗checked 2026-07-22
Financial healthQ4FY2026
Full transparency report →- GNPA
- 7.71%
- NNPA
- 3.29%
- CAR
- 17.71%
- CASA
- 24.00%
- ROA
- -0.67%
- ROE
- -40.92%
How to read this page
- Tenures are the bank's own words. “1 Year to 443 days” is printed exactly as Utkarsh Small Finance Bank prints it. We never convert a band into a day count or a midpoint — that would be a number the bank never published.
- One card, one w.e.f. When a product is live under several “with effect from” dates, each gets its own card. We do not merge them into a table the bank never issued.
- Every card links to its source. The product's own page where we have it, otherwise the bank's FD rate page, otherwise the bank's website. Aggregator sites are never a source.
- Only approved, current rows appear. 115 rows on this page are published and un-superseded. Rows awaiting verification, and rows a later rate card replaced, are not shown.
MyPassbook is read-only and never touches your money. Rates change without notice — always confirm on the bank's own page before you book. Deposits with scheduled commercial banks in India are insured by DICGC up to ₹5,00,000 per depositor per bank.