Bank FD Comparison Tool
IndusInd Bank vs Ujjivan Small Finance Bank Fixed Deposit Comparison 2026
Compare Fixed Deposit interest rates, maturity amounts, and features between IndusInd Bank (Private Sector) and Ujjivan Small Finance Bank (Private Sector).
IndusInd
Private Sector
VS
Ujjivan SFB
Private Sector
IndusInd: Min ₹1,000
Ujjivan SFB: Min ₹1,000
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) -IndusInd: % |Ujjivan SFB: %
Side-by-Side Rate Comparison
Direct comparison of general rates
IndusInd
Ujjivan SFB
Highlighted = Your selected tenure
Feature Comparison
Features | IndusInd Private 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 |
IndusInd Bank
Private Sector Bank
Key Advantages:
Private sector bank
Digital banking excellence
Competitive interest rates
Personalized banking services
Quick loan processing
Premium customer service
Ujjivan Small Finance Bank
Private Sector Bank
Key Advantages:
Small Finance Bank with competitive rates
High FD rates up to 7.95% for senior citizens
Sampoorna Nidhi FD scheme
Sampoorna Lakshya RD scheme
Online FD booking available
Senior citizen benefits with +0.50% additional interest
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 IndusInd (₹5L) + Ujjivan SFB (₹5L)
For ₹15 lakhs: Add a third bank to the mix
💡 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 IndusInd If:
- •Minimum amount: ₹1,000
- •Private Sector banking preference
- •Private sector bank
- •Digital banking excellence
- •Competitive interest rates
Choose Ujjivan SFB If:
- •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
Best Strategy:
- •Split large amounts across both banks
- •Keep ≤₹5L per bank for insurance
- •Compare rates before investing
- •Consider branch convenience
- •Review rates periodically
Explore more FD comparisons
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