SFB bank
Utkarsh Small Finance Bank FD rates
The highest rate Utkarsh Small Finance Bank publishes today is 8.35% for 666 Days. All 23 published terms are below, exactly as the bank states them.
Effective from 5 May 2026 — the date Utkarsh Small Finance Bank published these rates, not the date we read them.
Published terms
23
distinct rows on the bank’s own rate card
Rate range
4.00% – 8.35%
lowest to highest across all terms
Senior citizen premium
+15 to +50 bps
extra rate over the general card, by term
Bank type
SFB
as classified by the RBI
Fixed deposit · 11 terms
Source: Utkarsh Small Finance Bank interest-rate page| Tenure | Rate | Amount | Effective |
|---|---|---|---|
| 7 to 45 Days | 4.00% | ₹1,000 – ₹3 Cr | 5 May 2026 |
| 46 to 90 Days | 4.50% | ₹1,000 – ₹3 Cr | 5 May 2026 |
| 91 to 180 Days | 5.00% | ₹1,000 – ₹3 Cr | 5 May 2026 |
| 181 to 370 Days | 6.00% | ₹1,000 – ₹3 Cr | 5 May 2026 |
| 371 to 665 Days | 7.25% | ₹1,000 – ₹3 Cr | 5 May 2026 |
| 666 Days | 8.10% | ₹1,000 – ₹3 Cr | 5 May 2026 |
| 667 Days to 2 Years | 7.25% | ₹1,000 – ₹3 Cr | 5 May 2026 |
| 2 to 3 Years | 7.50% | ₹1,000 – ₹3 Cr | 5 May 2026 |
| > 3 to < 4 Years | 7.25% | ₹1,000 – ₹3 Cr | 5 May 2026 |
| 4 to 5 Years | 7.00% | ₹1,000 – ₹3 Cr | 5 May 2026 |
| > 5 to 10 Years | 6.75% | ₹1,000 – ₹3 Cr | 5 May 2026 |
Other fixed deposits at Utkarsh Small Finance Bank
Same bank, different rules on breaking the deposit and on tax. Each carries its own rate card, its own effective date, and a link to the page it came from.
Non-callable fixed deposit
Source: Utkarsh Small Finance Bank non-callable fixed deposit pageCannot be withdrawn before maturity. Banks usually pay more for that, and the minimum is usually higher.
| Tenure | Rate | Amount | Effective |
|---|---|---|---|
| 7 to 45 Days | 4.00% | ₹1 Cr – ₹3.00 Cr | 5 May 2026 |
| 46 to 90 Days | 4.50% | ₹1 Cr – ₹3.00 Cr | 5 May 2026 |
| 91 to 180 Days | 5.00% | ₹1 Cr – ₹3.00 Cr | 5 May 2026 |
| 181 to 370 Days | 6.00% | ₹1 Cr – ₹3.00 Cr | 5 May 2026 |
| 371 to 665 Days | 7.50% | ₹1 Cr – ₹3.00 Cr | 5 May 2026 |
| 666 Days | 8.35% | ₹1 Cr – ₹3.00 Cr | 5 May 2026 |
| 667 to 729 Days | 7.50% | ₹1 Cr – ₹3.00 Cr | 5 May 2026 |
| 730 to 1095 Days | 7.75% | ₹1 Cr – ₹3.00 Cr | 5 May 2026 |
| > 3 to < 4 Years | 7.50% | ₹1 Cr – ₹3.00 Cr | 5 May 2026 |
| 1461 to 1826 Days | 7.25% | ₹1 Cr – ₹3.00 Cr | 5 May 2026 |
| > 5 to 10 Years | 7.00% | ₹1 Cr – ₹3.00 Cr | 5 May 2026 |
Tax-saver fixed deposit
Source: Utkarsh Small Finance Bank tax-saver fixed deposit pageQualifies for the Section 80C deduction and carries a 5-year lock-in. It cannot be broken early.
| Tenure | Rate | Amount | Effective |
|---|---|---|---|
| 5 Years | 7.00% | ₹1,000 – ₹1.50 L | 5 May 2026 |
Opening a fixed deposit with Utkarsh Small Finance Bank
Utkarsh Small Finance Bank publishes 23 separate terms for ordinary depositors, starting from ₹1,000. The highest is 8.35% at 666 Days.
Read the term column before you commit. Banks price odd terms deliberately — this one lists 7 to 45 Days, and asking for a round number instead can put you in a lower bucket. The rate you get is the one printed against the term you actually book.
You can usually open a deposit inside Utkarsh Bank, at a branch, or through net banking. Eligibility, documents and premature-withdrawal penalties are set by Utkarsh Small Finance Bank and change without notice, so confirm them on their own site. We publish rates, not advice.