UCO Bank FD Rates 2025
UCO Bank offers fixed deposits for both Resident Indians and Non-Resident Indians. The interest rates for domestic term FDs range from 2.90% p.a. to 6.90% p.a. for general public and 3.15% p.a. to 7.40% p.a. for senior citizens with flexible repayment tenures that range from 7 days to 5 years and beyond.
Senior citizens can avail additional interest of up to 0.50% p.a. more than the general public.
UCO Bank Domestic Term Deposit Rates: Below Rs.3 crore
Maturity Period | General Public (p.a.) | Senior Citizens (p.a.) |
7 Days to 14 Days | 2.90% p.a. | 3.15% p.a. |
15 Days to 29 Days | 2.90% p.a. | 3.15% p.a. |
30 Days to 45 Days | 3.00% p.a. | 3.25% p.a. |
46 Days to 60 Days | 3.50% p.a. | 3.75% p.a. |
61 Days to 90 Days | 3.50% p.a. | 3.75% p.a. |
91 Days to 120 Days | 4.50% p.a. | 4.75% p.a. |
121 Days to 150 Days | 4.50% p.a. | 4.75% p.a. |
151 Days to 180 Days | 5.00% p.a. | 5.25% p.a. |
181 Days to 332 Days | 5.50% p.a. | 5.75% p.a. |
333 Days | 6.85% p.a. | 7.10% p.a. |
334 Days to 364 Days | 5.50% p.a. | 5.75% p.a. |
1 Year | 6.50% p.a. | 7.00% p.a. |
Above 1 Year to 443 Days | 6.40% p.a. | 6.90% p.a. |
444 Days | 6.90% p.a. | 7.40% p.a. |
445 Days to 2 Years | 6.40% p.a. | 6.90% p.a. |
Above 2 Years to 3 Years | 6.30% p.a. | 6.80% p.a. |
Above 3 Years to 5 Years | 6.20% p.a. | 6.70% p.a. |
Above 5 Years | 6.10% p.a. | 6.60% p.a. |
Note: The UCO Bank FD interest rates are subject to change at the discretion of the bank. These interest rates are effective from 5 June 2025.
UCO Bank NRE Term Deposit Interest Rates - Above Rs.3 crore and up to Rs.10 crore
Tenure | General Public (p.a.) |
1 Year | 5.75% p.a. |
1 Year to 2 Years | 5.50% p.a. |
Above 2 Years to less than 3 Years | 5.00% p.a. |
Above 3 Years to less than 5 Years | 4.75% p.a. |
5 Years and Above | 4.75% p.a. |
Note: These interest rates are effective from 6 June 2025.
Types of UCO Bank Domestic Fixed Deposit Schemes
- UCO Bank FD scheme
- Flexible FD scheme
- UCO Tax Saver Deposit scheme
- UCO Monthly Income Scheme
- Kuber Yojana
- Term Deposit Scheme UCOVAXI - 999 For 999 Days
Variants of UCO Bank Non-resident Indian (NRI) Term Deposits
- UCO Bank Non-Resident External (NRE) Deposits
- UCO Bank Non-Resident Ordinary (NRO) Deposits
- UCO Bank Foreign Currency Non-Resident (Bank) (FCNR (B)) Deposits
Features & Benefits of UCO Bank Fixed Deposits
The features and benefits of UCO Bank Fixed Deposits are:
- Interest compounded at quarterly intervals
- Interest is paid out at maturity
- Diverse range of schemes for different requirements
- Tax Saver FD provides income tax benefits under Section 80C of the Income Tax Act
- Flexible Fixed Deposit scheme allows for premature encashment in multiples of Rs.5,000 without affecting the contracted interest rate of the balance amount
Eligibility Criteria for UCO Bank FD
The following entities are eligible to open a UCO Bank FD:
- Indian citizens
- Resident individuals
- Non-Resident Indians
- Individuals
- Hindu Undivided Family (HUF)
UCO Bank Loan Against FD
Loan against FD facility is available for the UCO Bank Monthly Income FD scheme as well as the Term Deposit Scheme UCOVAXI - 999 For 999 Days.
Nomination Facility on UCO Bank FD
Nomination facility is available for UCO Bank FD.
FAQs on UCO Bank FD Rates
- What is the minimum & maximum period for the UCO Bank Fixed Deposit account?
The minimum and maximum period for UCO Bank Fixed Deposit account is 7 days and 10 years, respectively.
- Are there any special rates for senior citizens FD of UCO Bank?
Yes, senior citizens are given an additional interest rate of 0.50%.
- Is there any minimum amount that I have to give for opening a Fixed Deposit with UCO Bank?
Yes, the minimum amount for opening a UCO Bank fixed deposit is Rs.1,000.
- Is it possible to change the tenure of my existing fixed deposit account with UCO Bank?
Once a fixed deposit is opened, the tenure cannot be changed. However, you can open a new fixed deposit with the tenure you wish.
- In how many years FD will double in UCO Bank?
The number of years it takes for an FD to double will depend on the contracted interest rate at the time of opening the fixed deposit and the tenure.
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