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 Crores (w.e.f 23.06.2025) as under:

Maturity Period	Existing ROI for General  Customer		Revised ROI for General Customer
	Rate % p.a.	Yield in %	Rate % p.a.	Yield in %
7-14 days	2.90%	2.90%	2.90%	2.90%
15-29 days	2.90%	2.90%	2.90%	2.90%
30-45 days	3.00%	3.00%	3.00%	3.00%
46-60 days	3.50%	3.50%	3.50%	3.50%
61-90 days	3.50%	3.50%	3.50%	3.50%
91-120 days	4.50%	4.50%	4.25%	4.25%
121-150 days	4.50%	4.51%	4.25%	4.26%
151-180 days	5.00%	5.02%	4.75%	4.77%
181-332 days	5.50%	5.54%	5.00%	5.03%
333 days	6.85%	7.01%	6.30%	6.44%
334 – 364 days	5.50%	5.60%	5.00%	5.09%
1 year	6.50%	6.66%	6.25%	6.40%
Above 1Yr – 443 days	6.40%	6.56%	6.20%	6.35%
444 Days	6.90%	7.14%	6.60%	6.82%
445 days upto 2 yrs	6.40%	6.61%	6.20%	6.39%
Above 2yrs – 3 yrs	6.30%	6.66%	6.15%	6.49%
Above 3yrs - 5yrs	6.20%	6.76%	6.10%	6.64%
Above 5 yrs	6.10%	7.07%	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

Rate of Interest
Rate of Interest (General) For Retail Deposits (< Rs. 3 Cr):
Tenor	Rate	Rate of Interest
12 Months	Applicable Card Rate for Retail Deposits + 0.20%	6.45% (Card Rate + 20 bps)
1000 Days		6.35% (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 NRE TERM DEPOSITS Rs.3.00 Cr and above upto & including Rs.10 Cr w.e.f. 06.06.2025

Sl. No.	Deposit period	Single NRE Term Deposit Rs. 3 Cr and above upto & including Rs. 10.00 Crore
		Existing	Revised
1	1 year	6.00	5.75
2	Above 1 year to 2 years	6.00	5.50
3	Above 2 years but less than 3 years	5.25	5.00
4	3 year & above but less than 5 years	5.25	4.75
5	5 year & above	5.25	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."