{"id":15050,"date":"2026-07-22T10:49:00","date_gmt":"2026-07-22T05:19:00","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=15050"},"modified":"2026-07-21T18:53:07","modified_gmt":"2026-07-21T13:23:07","slug":"union-bank-of-india-fd-interest-rates-2026","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/","title":{"rendered":"Union Bank of India FD Interest Rates 2026: Tenures &amp; Senior Citizen Benefits"},"content":{"rendered":"<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">\ud83d\udcdd Quick Summary:<\/div>\n<h2 class=\"gpi-custom-widget-h2-content\"><span class=\"ez-toc-section\" id=\"Union_Bank_of_India_offers_regular_Fixed_Deposit_FD_interest_rates_ranging_from_270_to_665_per_annum_for_general_citizens_across_tenures_from_7_days_to_10_years_Senior_citizens_60_receive_an_additional_050_up_to_715_while_super_senior_citizens_80_receive_an_additional_075_up_to_740_on_deposits_up_to_Rs_5_crores\"><\/span><span data-subtree=\"aimfl,mfl\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Union Bank of India offers regular Fixed Deposit (FD) interest rates ranging from <\/span><strong class=\"Yjhzub\" data-sfc-root=\"ep\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">2.70% to 6.65% per annum<!--TgQPHd||[]--><\/strong> for general citizens across tenures from 7 days to 10 years. Senior citizens (60+) receive an additional <strong class=\"Yjhzub\" data-sfc-root=\"ep\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">0.50%<!--TgQPHd||[]--><\/strong> (up to 7.15%), while super senior citizens (80+) receive an additional <strong class=\"Yjhzub\" data-sfc-root=\"ep\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">0.75%<!--TgQPHd||[]--><\/strong> (up to 7.40%) on deposits up to Rs. 5 crores.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n\n\n<p>When it comes to fixed deposits with public sector banks in India, Union Bank of India is one of the most preferred banks that offer different types of fixed deposit schemes with different tenures, high interest rates, and perks for senior citizens.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/#Union_Bank_of_India_offers_regular_Fixed_Deposit_FD_interest_rates_ranging_from_270_to_665_per_annum_for_general_citizens_across_tenures_from_7_days_to_10_years_Senior_citizens_60_receive_an_additional_050_up_to_715_while_super_senior_citizens_80_receive_an_additional_075_up_to_740_on_deposits_up_to_Rs_5_crores\" >Union Bank of India offers regular Fixed Deposit (FD) interest rates ranging from 2.70% to 6.65% per annum for general citizens across tenures from 7 days to 10 years. Senior citizens (60+) receive an additional 0.50% (up to 7.15%), while super senior citizens (80+) receive an additional 0.75% (up to 7.40%) on deposits up to Rs. 5 crores.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/#Interest_Rates_on_Union_Bank_of_India_FD_in_2026\" >Interest Rates on Union Bank of India FD in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/#Union_Bank_Special_Fixed_Deposit_Schemes\" >Union Bank Special Fixed Deposit Schemes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/#Senior_Citizen_Special_Rates_on_Union_Bank_FDs\" >Senior Citizen Special Rates on Union Bank FDs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/#FD_Calculator_by_Union_Bank\" >FD Calculator by Union Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/#Things_to_Consider_Before_Opening_a_Union_Bank_FD\" >Things to Consider Before Opening a Union Bank FD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/#Union_Bank_FD_interest_rate_Frequently_Asked_Questions_FAQs\" >Union Bank FD interest rate Frequently Asked Questions (FAQs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/#Final_Thoughts\" >Final Thoughts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/#Disclaimer\" >Disclaimer<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<p>Be it any tenure of fixed deposits that you want, knowing the latest Union Bank FD interest rates, schemes, and tenures will come in handy for your financial goals.<\/p>\n\n\n\n<p>Disclaimer: This article is purely meant for educational purposes and does not serve as financial advice. Union Bank FD interest rates are subject to change as per Union Bank of India. Kindly refer to the official Union Bank website for checking the interest rates.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Interest_Rates_on_Union_Bank_of_India_FD_in_2026\"><\/span><strong>Interest Rates on Union Bank of India FD in 2026<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Union Bank of India offers <a href=\"https:\/\/goldenpi.com\/fixed-deposits\">domestic fixed deposits<\/a> for various tenures that range from 7 days to 10 years. As per the interest rate schedule effective from 1 June 2026, the bank offers interest rates of up to 6.65% p.a. for general customers and 7.15% p.a. for senior citizens on some selected deposit tenures.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Some of the commonly searched FD tenures are shown below.<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Deposit Tenure<\/strong><\/td><td><strong>General Citizens<\/strong><\/td><td><strong>Senior Citizens<\/strong><\/td><\/tr><tr><td>1 Year<\/td><td>6.25% p.a.<\/td><td>6.75% p.a.<\/td><\/tr><tr><td>400 Days<\/td><td>6.30% p.a.<\/td><td>6.80% p.a.<\/td><\/tr><tr><td>555 Days (Special Tenure)<\/td><td><strong>6.65% p.a.<\/strong><\/td><td><strong>7.15% p.a.<\/strong><\/td><\/tr><tr><td>Above 3 Years to 10 Years<\/td><td>6.00% p.a.<\/td><td>6.50% p.a.<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<p><em>Interest rates apply to retail domestic deposits below \u20b93 crore and may change periodically.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Union_Bank_Special_Fixed_Deposit_Schemes\"><\/span><strong>Union Bank Special Fixed Deposit Schemes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Alongside usual fixed deposits, Union Bank also has some special tenure FD schemes. The most preferred one amongst all is the 555-day Special FD, which gives the highest rate of interest compared to other FD tenures offered by the bank.<\/p>\n\n\n\n<p>Special FD schemes are launched by the bank during certain tenures where the interest rates may differ from the normal FDs. Verify the tenure, interest rate, early withdrawal policy, and other terms and conditions before investing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Latest Fixed Deposits Update:<\/h3>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/\" aria-label=\"Union Bank of India FD Interest Rates 2026: Tenures &amp; Senior Citizen Benefits\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/21184704\/Indias-Bond-Market-in-June-2026-7-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Union Bank Fixed Deposit\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/21184704\/Indias-Bond-Market-in-June-2026-7-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/21184704\/Indias-Bond-Market-in-June-2026-7-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/21184704\/Indias-Bond-Market-in-June-2026-7-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/21184704\/Indias-Bond-Market-in-June-2026-7-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/21184704\/Indias-Bond-Market-in-June-2026-7.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/\">Union Bank of India FD Interest Rates 2026: Tenures &amp; Senior Citizen Benefits<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/federal-bank-fixed-deposit-interest-rates-2026\/\" aria-label=\"Federal Bank Fixed Deposit Interest Rates July 2026: Highest Rate, Tenures &amp; Online FD Guide\u00a0\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/21182730\/Federal-Bank-Fixed-Deposit-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Federal Bank Fixed Deposit\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/21182730\/Federal-Bank-Fixed-Deposit-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/21182730\/Federal-Bank-Fixed-Deposit-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/21182730\/Federal-Bank-Fixed-Deposit-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/21182730\/Federal-Bank-Fixed-Deposit-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/21182730\/Federal-Bank-Fixed-Deposit.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/federal-bank-fixed-deposit-interest-rates-2026\/\">Federal Bank Fixed Deposit Interest Rates July 2026: Highest Rate, Tenures &amp; Online FD Guide\u00a0<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/bonds-vs-fixed-deposits-2026\/\" aria-label=\"Bonds vs Fixed Deposits 2026: Tax and Liquidity Comparison for Indian Investors\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18175049\/Bond-vs-Fixed-Deposits-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Bond vs Fixed Deposits\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18175049\/Bond-vs-Fixed-Deposits-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18175049\/Bond-vs-Fixed-Deposits-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18175049\/Bond-vs-Fixed-Deposits-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18175049\/Bond-vs-Fixed-Deposits-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/18175049\/Bond-vs-Fixed-Deposits.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/bonds-vs-fixed-deposits-2026\/\">Bonds vs Fixed Deposits 2026: Tax and Liquidity Comparison for Indian Investors<\/a><\/li>\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Senior_Citizen_Special_Rates_on_Union_Bank_FDs\"><\/span><strong>Senior Citizen Special Rates on Union Bank FDs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Union Bank of India offers extra interest on its FDs to eligible senior citizens apart from the normal rate of interest on retail FDs. It enables retired persons to earn more from their eligible retail fixed deposits than any other person.<\/p>\n\n\n\n<p>This extra interest is calculated depending on the tenure of the deposit scheme as per the prevailing policy of the bank. Always make sure of the latest rate chart before making the FD.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FD_Calculator_by_Union_Bank\"><\/span><strong>FD Calculator by Union Bank<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The FD Calculator at Union Bank is designed to help you determine the maturity amount of your FD based on four main factors:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Amount of deposit<\/li>\n\n\n\n<li>Rate of interest<\/li>\n\n\n\n<li>Tenure of deposit<\/li>\n\n\n\n<li>Compounding frequency<\/li>\n<\/ul>\n\n\n\n<p>Even though the calculator gives you an approximate figure, remember that the exact maturity amount will depend on the interest rate prevailing at the time of deposit booking.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Things_to_Consider_Before_Opening_a_Union_Bank_FD\"><\/span><strong>Things to Consider Before Opening a Union Bank FD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>While the interest rate is an important factor, it shouldn&#8217;t be the only one. Before investing, consider whether the tenure matches your financial goals, understand the premature withdrawal policy, review the taxation of interest income, and decide whether you prefer cumulative or periodic interest payouts.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><td>Factor<\/td><td>Why It Matters<\/td><\/tr><tr><td>Interest Rate<\/td><td>Determines the return on your investment.<\/td><\/tr><tr><td>Deposit Tenure<\/td><td>Should align with your financial goals.<\/td><\/tr><tr><td>Special FD Scheme<\/td><td>Selected tenures may offer different rates.<\/td><\/tr><tr><td>Premature Withdrawal<\/td><td>May be subject to reduced interest or penalties.<\/td><\/tr><tr><td>Deposit Insurance<\/td><td>Eligible deposits are covered under DICGC limits as applicable.<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<p>Eligible deposits with Union Bank of India are covered under the <strong>Deposit Insurance and Credit Guarantee Corporation (DICGC)<\/strong> insurance scheme up to the applicable limit per depositor per bank, subject to prevailing regulations.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Union_Bank_FD_interest_rate_Frequently_Asked_Questions_FAQs\"><\/span><strong>Union Bank FD interest rate<\/strong> <strong>Frequently Asked Questions (FAQs)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1784638935347\"><strong class=\"schema-faq-question\">Q1. <strong>What is the highest Union Bank FD interest rate in 2026?<\/strong><\/strong> <p class=\"schema-faq-answer\">Union Bank offers 6.65% p.a. for general customers and 7.15% p.a. for senior citizens on the 555-day Special FD as per the interest rates from 1 June 2026.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784638953330\"><strong class=\"schema-faq-question\">Q2. <strong>Is there any special FD scheme available in Union Bank?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. Union Bank offers special tenure fixed deposits, such as a 555-day FD, which attracts one of the highest FD interest rates offered by Union Bank.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784638966252\"><strong class=\"schema-faq-question\">Q3. <strong>Can we calculate the maturity amount of our FD online?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. One can use the Union Bank FD calculator to calculate the maturity amount by entering the investment amount, tenure, and applicable interest rate.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784638980328\"><strong class=\"schema-faq-question\">Q4. <strong>Are the fixed deposits of Union Bank safe?<\/strong><\/strong> <p class=\"schema-faq-answer\">Union Bank of India is a government-owned bank and is governed by the Reserve Bank of India. Deposits eligible for insurance are covered by the DICGC scheme, subject to certain conditions.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Final_Thoughts\"><\/span><strong>Final Thoughts<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Union Bank of India continues to be a preferred public sector bank for fixed deposits, offering flexible tenures, special FD schemes, and additional interest for senior citizens. Whether you&#8217;re investing for a short-term goal or planning for the long term, compare the available tenures, understand the applicable conditions, and verify the latest interest rates before opening a fixed deposit. This can help ensure your investment aligns with your financial goals while taking advantage of the features offered by the bank.<\/p>\n\n\n<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">Ready to Invest?<\/div>\n<div class=\"gpi-custom-widget-content\">\n<p>Visit <a href=\"https:\/\/goldenpi.com\/\">GoldenPi<\/a> to explore current bond options. Compare yields, ratings, and tenures in one place and invest online with as little as \u20b930,000.<\/p>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span>Disclaimer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities and municipal debt securities\/securitized debt instruments are subject to credit risks, market risks, and default risks, including delay and\/or default in payment. Read all the offer-related documents carefully. This blog\/article should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products\/services of\/on GoldenPi or any product\/services of its third-party client(s). For a detailed calculation of YTM, visit our website.&nbsp;<a href=\"https:\/\/delivery.goldenpi.com\/XPRBSN?id=162365=ch0GCFVXBVBUH1QDUlZXUlgBVgNSUwJVWgQGDFJQAVsEUwRfBldSBFVUAglRBFJSAA0ZBgxfQFBbERxBFSNTV10FU1cTDBgFDg5OAFIKVVFQBlZTVwQBBgFSAg0aC0BMQRIMFkwBUwoIFVdDHBwCCw1QAAsTWBpSVwgebDYxdmt\/Xl9dHxMF&amp;fl=WRVCSRBfGUkETltfVwNLAxVbCQwNWhpYVkpFGwMOBRcEWQMNUEoHSQJaV1BQAQQHTAZXA1IcAAMOBBxWB1IMFQUEVQxXXAEFBVQEUkpTVlMCUFEHU1JVAwhUAFECAQZaVFEADVAAVQBXVFRUUw==\" target=\"_blank\" rel=\"noreferrer noopener\">T&amp;C\u2019s Apply<\/a>.<\/p>\n\n\n\n<script type=\"application\/ld+json\">\n[\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"NewsArticle\",\n    \"@id\": \"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/#article\",\n    \"isPartOf\": {\n      \"@id\": \"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/\"\n    },\n    \"headline\": \"Union Bank of India FD Interest Rates Jul 2026: Tenures & Senior Citizen Benefits\",\n    \"description\": \"Union Bank of India offers domestic Fixed Deposit (FD) interest rates ranging up to 6.65% p.a. for general citizens and 7.15% p.a. for senior citizens in 2026. 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