Uttarakhand Gramin Bank FD Interest Rates
Uttarakhand Gramin Bank is sponsored by the top public sector bank SBI, which keeps an eye on the financial discipline maintained by the bank. This rural bank has made rapid progress and is now offering several services like a savings account, fixed deposit scheme, and mobile banking service. Fixed deposit schemes are popular among the rural population as they fetch good interest rates.
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Save upto ₹46,800 in tax under Sec 80C
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Inbuilt Life Cover
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Tax Free Returns Unlike FD+
Fully Tax-Free* (unlike FD), Life Cover Included
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Features of IDFC Bank Fixed Deposit
| BANKS | GENERAL CITIZENS | SENIOR CITIZEN |
| Axis Bank FD Rates | 2.50% - 5.75% | 2.50% - 6.50% |
| Bandhan Bank FD Rates | 3.00% - 5.00% | 3.75% - 5.75% |
| Bank of Baroda FD Rates | 2.80% - 5.25% | 3.30% - 6.25% |
| Bank of India FD Rates | 2.85% - 5.05% | 3.35% - 5.55% |
| Canara Bank FD Rates | 2.90% - 5.40% | 2.90% - 5.90% |
| Central Bank of India FD Rates | 2.75% - 5.00% | 2.90% - 3.25% |
| DBS Bank FD Rates | 2.50% - 5.50% | 3.50% - 6.00% |
| HDFC Bank FD Rates | 2.50% - 5.60% | 3.00% - 6.35% |
| IDFC Bank FD Rates | 2.50% - 6.00% | 3.00% - 6.50% |
| Indian Bank FD Rates | 2.90% - 5.15% | 3.40% - 5.65% |
| Indian Overseas Bank FD Rates | 3.40% - 5.20% | 3.90% - 5.70% |
| IndusInd Bank FD Rates | 2.50% - 6.00% | 3.00% - 6.50% |
| Punjab National Bank FD Rates | 2.90% - 5.25% | 3.50% - 5.75% |
| SBI FD Rates | 5.30% - 5.40% | 5.80% - 6.20% |
| UCO Bank FD Rates | 2.55% - 5.05% | 3.80% - 6.30% |
| Yes Bank FD Rates | 3.25% - 6.25% | 3.75% - 7.25% |
Uttarakhand Gramin Bank Fixed Deposit Rates 2023
Uttarakhand Gramin Bank offers attractive interest rates on its fixed deposits. FDs from the bank with a 30-day maturity period earn a 2.90% interest rate as compared to other banks. The highest FD interest rate for general customers is 5.40% is accrued on a 365-day maturity period.
Below table shows interest rates accrued by the Uttarakhand Gramin Bank fixed deposits under various tenures:
| Tenure | Interest Rate (%)for Regular Citizens | Interest Rate (%)for Senior Citizens |
| 7 to 30 days | 2.90 | 2.90 |
| 31 to 45 days | 2.90 | 2.90 |
| 46 to 60 days | 3.25 | 3.25 |
| 61 to 90 days | 3.25 | 3.25 |
| 91 to 120 days | 3.90 | 3.90 |
| 121 to 180 days | 3.90 | 3.90 |
| 181 to 270 days | 4.40 | 4.40 |
| 271 to 365 days | 4.90 | 5.40 |
| 1 year to 2 year | 5.10 | 5.60 |
| 3 years | 5.30 | 5.80 |
| 5 years to 10 years | 5.40 | 5.90 |
Disclaimer: FD interest rates are subject to change. One must check the interest rates with the bank before investing.
Features of Uttarakhand Gramin Bank Fixed Deposit
Uttarakhand Gramin Bank offers various benefits to their customers. Some of the features and benefits of their fixed deposit schemes include:
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Through its FD plans, the bank offers an excellent opportunity to people with some idle funds to utilize the money for earning a handsome interest.
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Uttarakhand Gramin Bank Fixed Deposit plans offer attractive interest rates that range from 2.90% to 5.40%.
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It offers tenures of 7 days to 10 years for parking money in FD plans.
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FD customers can withdraw their money in full or parts.
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A nomination facility is available.
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Automatic renewal of fixed deposit is available.
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Premature withdrawal and overdraft facilities are available.
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Senior Citizens earn 0.5% higher interest on their FD on tenures of 1 year and above.
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FD investments are eligible for tax benefits under Section 80c of the Income Tax Act to get savings up to Rs 1.5 lakhs.
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About Uttarakhand Gramin Bank Fixed Deposit Interest Rate Calculator
Uttarakhand Gramin Bank Fixed Deposit calculator is an easy-to-use, hassle-free tool that helps in quick calculation of the maturity amount and the interest earned receivable at the end of the policy tenure. By entering some basic details, you can calculate the correct FD amount. Here are the steps that an investor needs to follow to calculate Fixed Deposit rates on the FD Calculator:
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The amount that is invested
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The Rate of Interest offered
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The tenure of the Fixed Deposit Account
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The compounding period, that is, yearly, half-yearly, quarterly, or monthly
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The FD Amount
Once entered the following details, an investor will come to know:
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The maturity value of the FD
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The total interest earned during the complete tenure
Things to Know
Some of the things to know about Uttrakhand Gramin Bank fixed deposits and their interest rates are:
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The minimum FD interest rate of 2.90% is higher than many FD plans of other banks and financial institutions.
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Senior citizens are given a higher interest rate as well as some relief on premature withdrawal. For them, the highest FD interest rate is 5.90%.
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Monthly to yearly interest payouts are available.
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The interest rates can be TDR or Simple Rates of Interest and STDR or Compounded Rates of Interest. TDR is generally applicable for short-term deposits, though they are also available for deposits up to 10 years. They are non-cumulative deposits.
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STDR schemes are introduced for a specific number of days, like, 555 or 777 days. They are cumulative deposits.
Summing it Up
Uttarakhand Gramin Bank offers attractive rates on its FD plans. The bank also offers other regular benefits to its FD customers. FDs for senior citizens earn an additional 0.5% interest rate on 1 year or above terms. Income tax benefits on FD investments are comparable with other banks.
*All savings are provided by the insurer as per the IRDAI approved
insurance plan. Standard T&C Apply
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable
tax slabs post 31st march 2023
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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