UCO Bank Fixed Deposit Calculator
Calculate your FD returns with latest UCO Bank rates
Highest FD Rate
6.95% p.a.
Best available rate by UCO Bank across tenures
One Lakh rupees
Minimum amount varies by bank (typically ₹1,000)
Cumulative FDs usually give higher maturity. Payout FDs suit monthly/quarterly income needs.
Best Fixed Deposit Rates Comparison 2026
Compare FD interest rates across top banks - General rates for 5 years
Bank
Interest Rate
Maturity
Interest
Compare
Highest Rate
8.05%
Suryoday SFB
Max Interest
₹49.0K
Best Return
Rate Spread
3.05%
Difference
Banks Available
40
Compared
UCO Bank Fixed Deposit Calculator Results
Compare different investment amounts and tenures
UCO Bank Fixed Deposit Interest Rates
Latest interest rates for different tenures
| Tenure | General Rate | General Maturity | Senior Citizen Rate | Senior Maturity |
|---|---|---|---|---|
| 7-14 days | 2.9% | ₹100,111 | 3.15% | ₹100,120 |
| 15-29 days | 2.9% | ₹100,230 | 3.15% | ₹100,250 |
| 30-45 days | 3% | ₹100,369 | 3.25% | ₹100,400 |
| 46-60 days | 3.5% | ₹100,574 | 3.75% | ₹100,615 |
| 61-90 days | 3.5% | ₹100,863 | 3.75% | ₹100,925 |
| 91-120 days | 4.25% | ₹101,400 | 4.5% | ₹101,482 |
| 121-150 days | 4.25% | ₹101,753 | 4.5% | ₹101,856 |
| 151-180 days | 4.75% | ₹102,356 | 5% | ₹102,481 |
| 181-332 days | 5% | ₹104,623 | 5.25% | ₹104,859 |
| 333 days | 6.3% | ₹105,869 | 6.55% | ₹106,107 |
| 334-364 days | 5% | ₹105,080 | 5.25% | ₹105,339 |
| 1 year | 6.1% | ₹106,241 | 6.35% | ₹106,503 |
| Above 1Yr-443 days | 6.1% | ₹107,624 | 6.6% | ₹108,269 |
| 444 days | 6.45% | ₹108,094 | 6.95% | ₹108,743 |
| 445 days upto 2 yrs | 6.1% | ₹112,853 | 6.6% | ₹113,968 |
| Above 2yrs-3 yrs | 6% | ₹119,542 | 6.5% | ₹121,319 |
| Above 3yrs-5yrs | 6% | ₹134,686 | 6.5% | ₹138,042 |
| Above 5 yrs | 6% | ₹244,322 | 6.5% | ₹263,047 |
| 12 months (UCO Green) | 6.45% | ₹106,608 | 6.7% | ₹106,870 |
| 1000 days (UCO Green) | 6.35% | ₹118,840 | 6.85% | ₹120,452 |
| 2000 days (UCO Green) | 6.2% | ₹140,091 | 6.7% | ₹143,919 |
| 3000 days (UCO Green) | 6.2% | ₹165,811 | 6.7% | ₹172,655 |
Important Notes
- Min deposit: ₹1,000
- Penalty: 1% on premature closure
- TDS applicable if annual interest exceeds ₹40,000
- Auto-renewal facility available
Key Benefits
- Guaranteed returns with low risk
- Better rates than savings accounts
- Loan against FD facility
- DICGC insurance up to ₹5,00,000
Tax & TDS on UCO Bank Fixed Deposits
Understanding tax implications and deductions on your FD investments
Section 80C
Tax-saving FDs (5-year lock-in) qualify for deduction up to ₹1.5 lakh under Section 80C
Senior Citizens
Higher TDS exemption limit of ₹50,000 for citizens above 60 years
• Regular FDs don't qualify for Section 80C deduction
• Interest income is fully taxable as per income tax slab
• Form 15G/15H can be submitted to avoid TDS
TDS Rate
10%
Exemption Limit
₹40,000
TDS Calculation
TDS is deducted at 10% if total interest from all FDs with UCO Bank exceeds ₹40,000 in a financial year
TDS is deducted at source by the bank
Form 26AS shows TDS deducted
Can be claimed as advance tax while filing ITR
No PAN: higher 20% TDS applies
₹5 Lakh FD
At 6.45% for 3 years
₹32,250
Annual Interest
TDS: ₹0
₹10 Lakh FD
At 6.45% for 3 years
₹64,500
Annual Interest
TDS: ₹2,450
₹25 Lakh FD
At 6.45% for 3 years
₹161,250
Annual Interest
TDS: ₹12,125
UCO Bank Fixed Deposit FAQs
Everything you need to know about UCO Bank Fixed Deposits, interest rates, and FD investment planning
What is the minimum amount required for UCO Bank FD?
What is the current highest FD rate offered by UCO Bank?
Is the interest earned on UCO Bank FD taxable?
Can I get a loan against my UCO Bank FD?
Compare FD Rates Across Banks
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