Utkarsh Small Finance Bank Fixed Deposit





Interest for 3 years

Utkarsh Small Finance Bank FD Interest Rates Sep 2022

Note: All interest rates shown below are as on 1st Sep 2022

Historical FD Rates →
TenureNormal Citizen FD RateSenior Citizen FD Rate
7 days - 1 month 15 days4%4.75%
1 month 16 days - 2 months 29 days4.25%5%
3 months - 5 months 27 days5%5.75%
6 months - 11 months 30 days6%6.75%
1 year - 1 year 10 months 30 days7.15%7.9%
1 year 11 months - 4 years 11 months 30 days7.5%8.25%
5 years - 9 years 11 months 28 days6.25%7%

About Utkarsh Small Finance Bank FD

Incorporated in 2009, Utkarsh Micro Finance Limited received the small finance bank (SFB) licence from the Reserve Bank of India (RBI) in November 2016 and completed the conversion to a bank in January 2017. It is promoted by Mr. Govind Singh, who was earlier the business head of micro banking at ICICI Bank. Operating in 18 states as on March 31, 2021, the bank offers deposits, microfinance loans, MSME loans, affordable housing loans and corporate loans.

4% - 7.5%

FD Rate

4.75% - 8.25%

FD Rate for Seniors

₹ 1000

Minimum Deposit

₹ 2 Crores

Maximum Deposit




FD Tenure


Loan against FD



Fixed Deposits

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Utkarsh Small Finance Bank FD Returns Based on Investment Amount

Investment AmountFor 3 years with interest of 7.5%For 5 years with interest of 7.5%
₹ 50,000₹62572₹72665
₹ 1 lakh₹125145₹145329
₹ 2 lakh₹250289₹290659
₹ 5 lakh₹625723₹726647
₹ 10 lakh₹1251446₹1453294

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Pre Tax

Post Tax

Tax Rate
Maturity Amount₹107389₹ 105221
Total Investment Amount₹ 100000₹ 100000
Total Interest Gained₹7389


₹ 5221

Compare Utkarsh Small Finance Bank Fixed Deposit Rates with Top Banks

Calculate Utkarsh Small Finance Bank FD Returns

₹ 100000

Total Investment


Wealth Gained


Wealth Gained


Maturity Amount

How to invest in FD

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Set up your account

Sign up for a Fixed Deposit Account through Scripbox by way of an entirely paperless process.

Create your Fixed Deposit

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Invest online and transfer

Invest via Card, Netbanking, or UPI instantly; once done, your Fixed Deposit will be confirmed.

Track your FD’s status

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