Utkarsh Small Finance Bank vs India Post - Post Office Fixed Deposit Comparison 2026
Compare Fixed Deposit interest rates, maturity amounts, and features between Utkarsh Small Finance Bank (Private Sector) and India Post - Post Office (Public Sector). Analyze the security of public sector banking versus the convenience of private sector services.
Utkarsh SFB
Post Office
Adjust the parameters below to see how returns compare between the two banks
Five Lakhs rupees
Interest Rate Comparison
General rates across different tenures
Current selection: 3 years (1095 days) -Utkarsh SFB: % |Post Office: %
Direct comparison of general rates
Feature Comparison
Features | Utkarsh SFB Private Sector | Post Office 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 |
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 Utkarsh SFB (₹5L) + Post Office (₹5L)
For ₹15 lakhs: Add a third bank to the mix
Best of Both: Combine Utkarsh SFB (convenience) with Post Office (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
- •Minimum amount: ₹1,000
- •Private Sector banking preference
- •Small Finance Bank with highest FD rates
- •Premium rates up to 8.75% for senior citizens (2-3 years)
- •Established in 2017 with strong track record
- •Minimum amount: ₹1,000
- •Public Sector banking preference
- •Government backed savings schemes
- •Nationwide post office network
- •Quarterly compounding on TD and RD
- •Split large amounts across both banks
- •Keep ≤₹5L per bank for insurance
- •Use Utkarsh SFB for convenience
- •Use Post Office for stability
- •Review rates periodically
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