The FD Interest Rate of UCO Bank for 2026 refers to the annual interest percentages that UCO Bank offers on fixed deposits (FDs) across various tenures, effective from the latest rate revision in December 2025. These rates apply to deposits made in domestic term deposits less than ₹3 crore and include tenures from 7 days up to over 5 years, with interest ranging from approximately 2.90 % p.a. to 6.45 % p.a. for general customers and up to about 6.95 % p.a. for senior citizens on special schemes such as the 444-day FD plans. These figures are as per the bank’s official deposit rates published on the UCO Bank website and related financial rate summaries as of January 2026.
This article covers the structure of UCO Bank FD interest rates, how they vary by tenure and depositor category, special FD schemes, senior citizen benefits, and key considerations for investors assessing these fixed deposit options.
Key Highlights
- UCO Bank’s FD Interest Rate of UCO Bank spans 2.90 % to 6.45 % p.a. for general customers on regular tenures as of late 2025.
- Senior citizens can receive an additional interest premium (up to ~0.50 % extra).
- Special schemes like the 444-day FD offer higher rates (up to ~6.95 % p.a. for senior citizens).
- Tenures range from 7 days to over 5 years, with specific rate slabs for each duration.
- UCO Bank’s official deposit rates are updated periodically; always check the bank’s website for the latest figures.
UCO Bank FD Interest Rate Overview 2026
Below is an illustrative overview table summarizing the FD Interest Rate of UCO Bank across key information categories relevant to new investors:
| Category | Details | Official Link / Notes |
|---|---|---|
| Bank Name | UCO Bank | Official UCO Bank rates page: https://www.uco.bank.in/interest-rates-on-deposit-schemes |
| Rate Revision Effective | As of December 11, 2025 (latest update) | Based on UCO Bank’s revised deposit rates |
| General Customer FD Range | ~2.90 % to ~6.45 % p.a. | Across tenures from short to medium-term |
| Senior Citizen Increment | Additional ~0.25 %–0.50 % p.a. | Applied to most tenures |
| Tenure Range | 7 days to >5 years | Varies by scheme and terms |
Detailed FD Interest Rate Structure
Short-Term Fixed Deposits (7 Days to 364 Days)
For short-term deposits, the FD Interest Rate of UCO Bank begins at relatively lower levels for very brief tenures and increases for longer short-term durations:
- 7 to 14 days: ~2.90 % p.a. (general), ~3.15 % p.a. (senior citizens).
- 30 to 45 days: ~3.00 % p.a. (general), ~3.25 % p.a. (senior citizens).
- 151 to 180 days: ~4.75 % p.a. (general), ~5.00 % p.a. (senior citizens).
- 333 days: ~6.30 % p.a. (general), ~6.55 % p.a. (senior citizens).
This structured progression shows that the FD Interest Rate of UCO Bank generally increases with longer short-term tenures up to around one year.
Mid-Term and Long-Term Fixed Deposits (1 Year to >5 Years)
In the mid-term range and beyond, the FD Interest Rate of UCO Bank demonstrates competitive rates, particularly for specific product durations:
- 1 year: ~6.10 %–6.25 % p.a. (general).
- Above 1 year to 443 days: ~6.20 %–6.45 % p.a. (general).
- Above 2 years to 3 years: ~6.15 % p.a. (general).
- Above 3 years to 5 years: ~6.10 % p.a. (general).
These consistent mid-to-long-term yields reflect UCO Bank’s strategy to maintain modest but stable interest rates relative to broader market movements among public sector banks.
Special FD Schemes
UCO Bank offers distinct products such as the 333-day and 444-day fixed deposit schemes with differentiated rates, often slightly higher than regular term deposits.
- 444-day FD: ~6.45 % p.a. for general customers and ~6.95 % p.a. for senior citizens.
- Green Deposit Schemes: Varying rates with additional premiums for environmental schemes.
These special schemes form part of the broader FD Interest Rate of UCO Bank landscape and can be attractive to investors seeking fixed horizons with enhanced returns.
Senior Citizen Benefits on FD Rates
A consistent feature of the FD Interest Rate of UCO Bank is the preferential treatment for senior citizens. Across most tenures:
- Senior depositors typically receive an interest premium ranging from approximately 0.25 % to 0.50 % p.a. above general rates.
- This benefit applies to both standard and special FD schemes, including 444-day plans.
Example of Senior Citizen FD Premium
For a 333-day FD, a senior citizen may earn ~6.55 % p.a. compared to ~6.30 % p.a. for a general depositor. For the 444-day scheme, the stated rates may be ~6.95 % p.a. versus ~6.45 % p.a. respectively.
This structure reinforces the advantages available to older investors relying on predictable FD income.
How UCO Bank FD Interest Is Applied
Understanding how the FD Interest Rate of UCO Bank applies helps investors plan maturity outcomes:
- Interest computation is typically compounded quarterly or annually, depending on the specific FD terms chosen by the depositor.
- Premature withdrawal is permitted in most cases, but may incur a penalty with reduced interest.
- Tax Deducted at Source (TDS) applies to interest earnings beyond specified limits as per current tax laws, unless applicable exemptions are declared.
- Auto-renewal options are offered at maturity, subject to revised prevailing interest rates.
Choosing the Right UCO Bank FD Tenure
When evaluating the FD Interest Rate of UCO Bank for investment planning, key considerations include:
- Your investment horizon: Shorter tenures offer liquidity but typically lower yields.
- Interest compounding frequency: More frequent compounding can modestly increase effective returns.
- Tax implications: Interest earnings may be subject to TDS, which can impact net post-tax returns.
- Senior citizen status: Leveraging additional interest premiums can enhance income potential.
These factors are critical for aligning FD strategies with broader financial goals.
Conclusion
The FD Interest Rate of UCO Bank in 2026 reflects the bank’s current fixed deposit rate structure applicable across diverse tenures ranging from short-duration FDs (days) to multi-year term investments. With interest levels generally between approximately 2.90 % and 6.45 % p.a. for regular customers, and enhanced rates for senior citizens and special schemes, UCO Bank provides stable, predictable returns for conservative investors.
