Public Sector
Private Sector
Bank of Baroda vs Ujjivan Small Finance Bank Fixed Deposit Comparison 2025
Compare interest rates, features, and returns between Bank of Baroda (Public Sector) and Ujjivan Small Finance Bank (Private Sector). Compare the security of public sector banking with the convenience of private sector services.
Five Lakhs rupees
Interest Rate Comparison
General rates across different tenures
Current selection: 3 years (1095 days) -BOB: % |Ujjivan SFB: %
Direct comparison of general rates
Feature Comparison
| Features |  BOB Public Sector |  Ujjivan SFB Private Sector |
|---|---|---|
Minimum FD Amount | ₹1,000 | ₹1,000 |
Current Interest Rate (Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
Key Advantages:
Key Advantages:
₹5 Lakh Insurance Limit
The Deposit Insurance and Credit Guarantee Corporation (DICGC) provides insurance coverage of up to ₹5 lakhs per depositor per bank. This means if you deposit more than ₹5 lakhs in a single bank, only ₹5 lakhs is guaranteed by the government.
⚠️ Recommendation:
Never deposit more than ₹5 lakhs in a single bank. If you have larger amounts, distribute them across multiple banks to ensure full insurance coverage.
Smart Distribution Strategy
For ₹10 lakhs: Split between BOB (₹5L) + Ujjivan SFB (₹5L)
For ₹15 lakhs: Add a third bank to the mix
Best of Both: Combine BOB (security) with Ujjivan SFB (convenience)
💡 Pro Tip:
You can also open FDs in different family members' names in the same bank to get additional ₹5 lakh coverage for each account holder.
Key Insights & Recommendations
- • Minimum amount: ₹1,000
- • Public Sector banking preference
- • Government-owned bank with strong security
- • Wide branch network across India
- • Competitive interest rates
- • Minimum amount: ₹1,000
- • Private Sector banking preference
- • Small Finance Bank with competitive rates
- • High FD rates up to 7.95% for senior citizens
- • Sampoorna Nidhi FD scheme
- • Split large amounts across both banks
- • Keep ≤₹5L per bank for insurance
- • Use BOB for stability
- • Use Ujjivan SFB for convenience
- • Review rates periodically
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