Bank FD Comparison Tool
Ujjivan Small Finance Bank vs ICICI Bank Fixed Deposit Comparison 2026
Compare Fixed Deposit interest rates, maturity amounts, and features between Ujjivan Small Finance Bank (Private Sector) and ICICI Bank (Private Sector).
Ujjivan SFB
Private Sector
VS
ICICI
Private Sector
Ujjivan SFB: Min ₹1,000
ICICI: Min ₹5,000
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
₹5,000₹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) -Ujjivan SFB: % |ICICI: %
Side-by-Side Rate Comparison
Direct comparison of general rates
Ujjivan SFB
ICICI
Highlighted = Your selected tenure
Feature Comparison
Features | Ujjivan SFB Private Sector | ICICI Private Sector |
|---|---|---|
Minimum FD Amount | ₹1,000 | ₹5,000 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
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
ICICI Bank
Private Sector Bank
Key Advantages:
Strong digital platform
Wide product range
Instant loan approvals
Excellent mobile app
Global presence
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 Ujjivan SFB (₹5L) + ICICI (₹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 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
Choose ICICI If:
- •Minimum amount: ₹5,000
- •Private Sector banking preference
- •Strong digital platform
- •Wide product range
- •Instant loan approvals
Best Strategy:
- •Split large amounts across both banks
- •Keep ≤₹5L per bank for insurance
- •Compare rates before investing
- •Consider branch convenience
- •Review rates periodically
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