Domestic Schemes

DOMESTIC DEPOSITS

Savings Bank Rate of Interest w.e.f 23-06-2025:-

 

Rate(s) of interest on Domestic Term Deposits less than Rs.3 Crore (including NRO Deposits) : Revised w.e.f. 01.04.2026

Maturity Period	ROI for General Customer
	Rate % p.a.	Yield in %
7-14 days	2.90%	2.90%
15-29 days	2.90%	2.90%
30-45 days	3.00%	3.00%
46-60 days	3.50%	3.50%
61-90 days	3.50%	3.50%
91-120 days	4.25%	4.25%
121-150 days	4.25%	4.26%
151-180 days	4.75%	4.77%
181-332 days	5.00%	5.03%
333 days	6.30%	6.44%
1 year	6.10%	6.24%
Above 1Yr – 443 days	6.10%	6.24%
444 Days	6.45%	6.83%
445 days upto 534 days	6.10%	6.64%
535 days	6.60%	6.88%
536 days to 2 years	6.10%	6.34%
Above 2 years - 999 days	6.00%	6.33%
1000 days (Green Deposit)	6.20%	6.71%
1001 days to 3 years	6.00%	6.48%
Above 3 years - 5 years	6.00%	6.53%
Above 5 years - 1999 days	6.00%	6.95%
2000 days (Green Deposit)	6.20%	7.33%
2001 days to 2999 days	6.00%	7.06%
3000 days (Green Deposit)	6.20%	8.04%
Above 3000 days	6.00%	7.71%

 

Note) 444 Day Special Scheme is also valid for NRE / NRO Term Deposit Scheme.

 

The Additional Interest payable on deposits of Senior citizen/staff/ex staff /Ex staff. Sr. citizen above the “General Customer interest rate” is as under:

Rate of Interest for 'UCO Green Deposits' :

UCO GREEN DEPOSIT SCHEME

Tenor	Rate	Effective ROI%
12 Months	Applicable Card Rate for Retail Deposits + 0.20%	6.30% (Card Rate+20 bps)
1000 Days		6.20% (Card Rate+20 bps)
2000 Days		6.20% (Card Rate+20 bps)
3000 Days		6.20% (Card Rate+20 bps)

 

Rate of Interest for Senior Citizen / Staff / Ex-Staff / Senior Citizen & Ex-Staff
Category	Additional Interest Up to 1 Yr	Additional Interest Above 1 Yr
Senior Citizen	0.25%	0.50%
Staff Member	1.00%	1.00%
Ex-staff & Senior Citizen	1.25%	1.50%
Effective ROI will be set accordingly for the above tenure of deposit.

 

BULK TERM DEPOSITS (including NRO) Rs.3.00 Cr & above and up to & including Rs.10 Cr w.e.f. 03.07.2026

Sl. No.	Deposit period	Single Term Deposit Rs. 3 Cr and above and upto & including Rs. 10.00 Cr	Single Non-Callable Bulk Term Deposit Rs. 3 Cr & above upto and including Rs. 10.00 Cr
		Rate of Interest	Rate of Interest
1	7 – 14 Days	4.00	4.00
2	15 – 30 Days	4.00	4.00
3	31 – 45 Days	4.25	4.25
4	46 – 90 Days	4.50	4.55
5	91 – 180 Days	4.75	4.80
6	181 – 210 Days	5.00	5.05
7	211 Days to 270 Days	5.00	5.05
8	271 Days to 1 Year	5.50	5.55
9	> 1 Year to 2 Years	5.25	5.30
10	> 2 Years to 3 Years	5.25	5.30
11	> 3 Years to 5 Years	4.75	4.80
12	Above 5 Years	4.75	—

 

Rate of Interest for 'UCO Green Deposits' :

For Bulk Deposits i.e Rs. 3.00 Cr and above: Rate of Interest will be 0.10% less than applicable card rate.

BULK TERM DEPOSITS ABOVE Rs.10.00 CRORES – RATES EFFECTIVE FROM 03-07-2026

A) Domestic (including NRO) Callable Term Deposit above Rs. 10.00 Crores

Sl. No.	Deposit Period	Above Rs. 10.00 Crs Upto & including Rs.50.00 Crs	Above Rs. 50.00 Crs Upto & including Rs.100.00 Crs	Above Rs.100.00 Crs
		Rate of Interest	Rate of Interest	Rate of Interest
1	7-14 Days	4.00	4.00	4.00
2	15-30 Days	4.00	4.00	4.00
3	31-45 Days	4.25	4.25	4.25
4	46-90 Days	4.50	4.50	4.50
5	91-120 Days	4.75	4.75	4.75
6	121-180 Days	4.75	4.75	4.75
7	181-210 Days	5.00	5.00	5.00
8	211-270 Days	5.00	5.00	5.00
9	271D < 1 Year	5.50	5.50	5.50
10	1 Year	5.90	5.90	5.90
11	>1 Y to 2 Y	5.25	5.25	5.25
12	>2 Y to 3 Y	5.25	5.25	5.25
13	>3 Y to 5 Y	4.75	4.75	4.75
14	Above 5 Y	4.75	4.75	4.75

B) Domestic (including NRO) Non-Callable Bulk Term Deposit above Rs. 10.00 Crores

Customer are requested to contact the nearest branch for interest rate of bulk deposit above Rs. 10 Crs.

Sl. No.	Deposit Period	Above Rs. 10.00 Crs upto & including Rs.50.00 Crs	Above Rs. 50.00 Crs upto & including Rs.100.00 Crs	Above Rs.100.00 Crs
		Rate of Interest	Rate of Interest	Rate of Interest
1	7-14 Days	4.00	4.00	4.00
2	15-30 Days	4.00	4.00	4.00
3	31-45 Days	4.25	4.25	4.25
4	46-90 Days	4.55	4.55	4.55
5	91-120 Days	4.80	4.80	4.80
6	121-180 Days	4.80	4.80	4.80
7	181-210 Days	5.05	5.05	5.05
8	211-270 Days	5.05	5.05	5.05
9	271D < 1 Year	5.55	5.55	5.55
10	1 Year	5.95	5.95	5.95
11	>1 Y to 2 Y	5.30	5.30	5.30

 

Note :

*** If the deposit has actually remained with the Bank for a period less than 6 months the interest thereon shall be paid at simple rate.

*** If the fixed deposit has actually remained with the Bank for a minimum period of six months, then the interest on deposit will be compounded on quarterly rests.

"UCO Bank is adopting the method of reckoning the year at 366 days in a Leap year and 365 days in other years."