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%
181-364 days	5.00%	5.03%
1 year	6.10%	6.24%
Above 1Yr – 443 days	6.10%	6.24%
444 Days	6.45%	6.66%
445 days upto 2 yrs	6.10%	6.29%
Above 2yrs – 3 yrs	6.00%	6.32%
Above 3yrs - 5yrs	6.00%	6.52%
Above 5 yrs	6.00%	6.94%

 

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 Rs.3.00 Cr and above upto & including Rs.10 Cr w.e.f. 17.09.2025

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.

Domestic Bulk Deposit above Rs. 10 Crores :

A) Single Domestic Term Deposit above Rs. 10 Crs :

B) Non-Callable Bulk Term Deposit above Rs. 10 Crs :

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

 

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."