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 (Special)utkarsh_special_666d | ₹1,000 – ₹3,00,00,000 | 8.10% |
| 667 Days to 2 Years | ₹1,000 – ₹3,00,00,000 | 7.25% |
| 2 Years to 3 Years | ₹1,000 – ₹3,00,00,000 | 7.50% |
| Above 3 Years to less than 4 Years | ₹1,000 – ₹3,00,00,000 | 7.25% |
| 4 Years to 5 Years | ₹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 (Special)utkarsh_special_666d | ₹1,000 – ₹3,00,00,000 | 8.25% |
| 667 Days to 2 Years | ₹1,000 – ₹3,00,00,000 | 7.75% |
| 2 Years to 3 Years | ₹1,000 – ₹3,00,00,000 | 8.00% |
| Above 3 Years to less than 4 Years | ₹1,000 – ₹3,00,00,000 | 7.75% |
| 4 Years to 5 Years | ₹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.) |
|---|---|---|
| 7-45 Days | ₹1,00,00,000 – ₹2,99,99,999 | 4.00% |
| 46-90 Days | ₹1,00,00,000 – ₹2,99,99,999 | 4.50% |
| 91-180 Days | ₹1,00,00,000 – ₹2,99,99,999 | 5.00% |
| 181-370 Days | ₹1,00,00,000 – ₹2,99,99,999 | 6.00% |
| 371-665 Days | ₹1,00,00,000 – ₹2,99,99,999 | 7.50% |
| 666 Days (Special)utkarsh_fdnc_special_666d | ₹1,00,00,000 – ₹2,99,99,999 | 8.35% |
| 667-729 Days | ₹1,00,00,000 – ₹2,99,99,999 | 7.50% |
| 730-1095 Days | ₹1,00,00,000 – ₹2,99,99,999 | 7.75% |
| Above 3Y to <4Y | ₹1,00,00,000 – ₹2,99,99,999 | 7.50% |
| 1461-1826 Days | ₹1,00,00,000 – ₹2,99,99,999 | 7.25% |
| Above 5Y to 10Y | ₹1,00,00,000 – ₹2,99,99,999 | 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.) |
|---|---|---|
| 7-45 Days | ₹1,00,00,000 – ₹2,99,99,999 | 4.50% |
| 46-90 Days | ₹1,00,00,000 – ₹2,99,99,999 | 5.00% |
| 91-180 Days | ₹1,00,00,000 – ₹2,99,99,999 | 5.50% |
| 181-370 Days | ₹1,00,00,000 – ₹2,99,99,999 | 6.50% |
| 371-665 Days | ₹1,00,00,000 – ₹2,99,99,999 | 8.00% |
| 666 Days (Special)utkarsh_fdnc_special_666d | ₹1,00,00,000 – ₹2,99,99,999 | 8.50% |
| 667-729 Days | ₹1,00,00,000 – ₹2,99,99,999 | 8.00% |
| 730-1095 Days | ₹1,00,00,000 – ₹2,99,99,999 | 8.25% |
| Above 3Y to <4Y | ₹1,00,00,000 – ₹2,99,99,999 | 8.00% |
| 1461-1826 Days | ₹1,00,00,000 – ₹2,99,99,999 | 7.75% |
| Above 5Y to 10Y | ₹1,00,00,000 – ₹2,99,99,999 | 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.) |
|---|---|---|
| 5 Years (Tax Saver) | ₹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.) |
|---|---|---|
| 5 Years (Tax Saver) | ₹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
Not yet verified
We have not read and recorded Utkarsh Small Finance Bank’s premature-withdrawal terms for FD · General, FD · Senior Citizen, FD · Non-Callable, FD · Non-Callable SC, Tax Saver, Tax Saver SC, 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.