Bank FD Comparison Tool
Yes Bank vs Utkarsh Small Finance Bank Fixed Deposit Comparison 2025
Compare Fixed Deposit interest rates, maturity amounts, and features between Yes Bank (Private Sector) and Utkarsh Small Finance Bank (Private Sector).
Yes Bank
Private Sector
VS
Utkarsh SFB
Private Sector
Yes Bank: Min ₹10,000
Utkarsh 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
₹10,000₹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) -Yes Bank: % |Utkarsh SFB: %
Side-by-Side Rate Comparison
Direct comparison of general rates
Yes Bank
Utkarsh SFB
Highlighted = Your selected tenure
Feature Comparison
Features | Yes Bank Private Sector | Utkarsh SFB Private Sector |
|---|---|---|
Minimum FD Amount | ₹10,000 | ₹1,000 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
Yes Bank
Private Sector Bank
Key Advantages:
Private sector bank
Competitive interest rates
Digital banking services
Online FD booking facility
Auto-renewal facility available
Senior citizens get additional interest (varies by tenure)
Rates applicable for deposits from ₹10,000 to less than ₹5,00,00,000
Interest compounded quarterly
Rates effective from July 1, 2025
Utkarsh Small Finance Bank
Private Sector Bank
Key Advantages:
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
Digital banking services and mobile banking
Online FD booking available
Senior citizen benefits with +0.50% additional interest
Wide network across India
Minimum FD investment of ₹1,000
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 Yes Bank (₹5L) + Utkarsh 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 Yes Bank If:
- •Minimum amount: ₹10,000
- •Private Sector banking preference
- •Private sector bank
- •Competitive interest rates
- •Digital banking services
Choose Utkarsh SFB If:
- •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
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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