Bank FD Comparison Tool
Cosmos Bank vs UCO Bank Fixed Deposit Comparison 2026
Compare Fixed Deposit interest rates, maturity amounts, and features between Cosmos Bank (Private Sector) and UCO Bank (Public Sector). Analyze the security of public sector banking versus the convenience of private sector services.
Cosmos Bank
Private Sector
VS
UCO Bank
Public Sector
Cosmos Bank: Min ₹1,000
UCO Bank: Min ₹1,000
Security vs Convenience
DICGC Insured up to ₹5 Lakhs
Compare Your FD Returns
Adjust the parameters below to see how returns compare between the two banks
₹
Five Lakhs rupees
₹1,000₹20,00,000
years
1 year10 years
Interest Rate Comparison
Interest Rates by Tenure
General rates across different tenures
Current selection: 3 years (1095 days) -Cosmos Bank: % |UCO Bank: %
Side-by-Side Rate Comparison
Direct comparison of general rates
Cosmos Bank
UCO Bank
Highlighted = Your selected tenure
Feature Comparison
Features | Cosmos Bank Private Sector | UCO Bank Public 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 |
Cosmos Bank
Private Sector Bank
Key Advantages:
Co-operative bank
Competitive interest rates
Digital banking services
Online FD booking facility
Senior citizen rates vary by tenure
Special scheme: 13 Months, 16 months
Rates effective from 01.12.2025
UCO Bank
Public Sector Bank
Key Advantages:
Government-owned public sector bank
Established in 1943, nationalized in 1969
Wide branch network across India
Special 444 Days scheme with higher interest rates
UCO Green Deposit scheme for sustainable investments (12 months, 1000, 2000, 3000 days)
Senior citizens get +0.25% up to 1 year, +0.50% above 1 year
Online FD booking facility
Competitive interest rates up to 6.45% for general customers
Important: Fixed Deposit Safety & Insurance Coverage
₹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 Cosmos Bank (₹5L) + UCO Bank (₹5L)
For ₹15 lakhs: Add a third bank to the mix
Best of Both: Combine Cosmos Bank (convenience) with UCO Bank (security)
💡 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
Choose Cosmos Bank If:
- •Minimum amount: ₹1,000
- •Private Sector banking preference
- •Co-operative bank
- •Competitive interest rates
- •Digital banking services
Choose UCO Bank If:
- •Minimum amount: ₹1,000
- •Public Sector banking preference
- •Government-owned public sector bank
- •Established in 1943, nationalized in 1969
- •Wide branch network across India
Best Strategy:
- •Split large amounts across both banks
- •Keep ≤₹5L per bank for insurance
- •Use Cosmos Bank for convenience
- •Use UCO Bank for stability
- •Review rates periodically
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