{"id":15050,"date":"2026-07-22T10:49:00","date_gmt":"2026-07-22T05:19:00","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=15050"},"modified":"2026-10-03T15:20:07","modified_gmt":"2026-10-03T09:50:07","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 October 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_655_per_annum_for_resident_retail_deposits_below_%E2%82%B93_crore_across_tenures_from_7_days_to_10_years_in_Oct_2026_Senior_citizens_60_years_and_above_receive_an_additional_050_allowing_them_to_earn_up_to_705_pa_while_super_senior_citizens_80_years_and_above_receive_an_additional_075_taking_the_maximum_rate_to_730_pa\"><\/span>Union Bank of India offers regular fixed deposit (FD) interest rates ranging from 2.70% to 6.55% per annum for resident retail deposits below \u20b93 crore across tenures from 7 days to 10 years in Oct 2026. Senior citizens (60 years and above) receive an additional 0.50%, allowing them to earn up to 7.05% p.a., while super senior citizens (80 years and above) receive an additional 0.75%, taking the maximum rate to 7.30% p.a.<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 offers different types of fixed deposit schemes with different tenures and additional interest for eligible 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_655_per_annum_for_resident_retail_deposits_below_%E2%82%B93_crore_across_tenures_from_7_days_to_10_years_in_Oct_2026_Senior_citizens_60_years_and_above_receive_an_additional_050_allowing_them_to_earn_up_to_705_pa_while_super_senior_citizens_80_years_and_above_receive_an_additional_075_taking_the_maximum_rate_to_730_pa\" >Union Bank of India offers regular fixed deposit (FD) interest rates ranging from 2.70% to 6.55% per annum for resident retail deposits below \u20b93 crore across tenures from 7 days to 10 years in Oct 2026. Senior citizens (60 years and above) receive an additional 0.50%, allowing them to earn up to 7.05% p.a., while super senior citizens (80 years and above) receive an additional 0.75%, taking the maximum rate to 7.30% p.a.<\/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\/#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-6\" 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-7\" 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-8\" 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 ranging from 7 days to 10 years. As per the interest rate schedule effective from 4 August 2026, the bank offers interest rates of up to 6.55% p.a. for general customers and 7.05% p.a. for senior citizens on some selected deposit tenures.<\/p>\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<\/strong> <strong>Customers<\/strong><\/td><td><strong>Senior Citizens<\/strong><\/td><td><strong>Super Senior Citizens (80+)<\/strong><\/td><\/tr><tr><td>7\u201314 Days<\/td><td>2.70% p.a.<\/td><td>3.20% p.a.<\/td><td>3.45% p.a.<\/td><\/tr><tr><td>15\u201330 Days<\/td><td>2.80% p.a.<\/td><td>3.30% p.a.<\/td><td>3.55% p.a.<\/td><\/tr><tr><td>31\u201345 Days<\/td><td>3.00% p.a.<\/td><td>3.50% p.a.<\/td><td>3.75% p.a.<\/td><\/tr><tr><td>46\u201390 Days<\/td><td>4.00% p.a.<\/td><td>4.50% p.a.<\/td><td>4.75% p.a.<\/td><\/tr><tr><td>91\u2013120 Days<\/td><td>4.30% p.a.<\/td><td>4.80% p.a.<\/td><td>5.05% p.a.<\/td><\/tr><tr><td>121\u2013180 Days<\/td><td>4.75% p.a.<\/td><td>5.25% p.a.<\/td><td>5.50% p.a.<\/td><\/tr><tr><td>181\u2013270 Days<\/td><td>5.40% p.a.<\/td><td>5.90% p.a.<\/td><td>6.15% p.a.<\/td><\/tr><tr><td>271\u2013364 Days<\/td><td>5.60% p.a.<\/td><td>6.10% p.a.<\/td><td>6.35% p.a.<\/td><\/tr><tr><td>1 Year\u2013399 Days<\/td><td>6.20% p.a.<\/td><td>6.70% p.a.<\/td><td>6.95% p.a.<\/td><\/tr><tr><td>400 Days<\/td><td>6.25% p.a.<\/td><td>6.75% p.a.<\/td><td>7.00% p.a.<\/td><\/tr><tr><td>401\u2013443 Days<\/td><td>6.25% p.a.<\/td><td>6.75% p.a.<\/td><td>7.00% p.a.<\/td><\/tr><tr><td>444 Days<\/td><td>6.50% p.a.<\/td><td>7.00% p.a.<\/td><td>7.25% p.a.<\/td><\/tr><tr><td>445\u2013554 Days<\/td><td>6.15% p.a.<\/td><td>6.65% p.a.<\/td><td>6.90% p.a.<\/td><\/tr><tr><td>555 Days<\/td><td>6.55% p.a.<\/td><td>7.05% p.a.<\/td><td>7.30% p.a.<\/td><\/tr><tr><td>556\u2013996 Days<\/td><td>6.15% p.a.<\/td><td>6.65% p.a.<\/td><td>6.90% p.a.<\/td><\/tr><tr><td>997 Days<\/td><td>6.10% p.a.<\/td><td>6.60% p.a.<\/td><td>6.85% p.a.<\/td><\/tr><tr><td>998 Days\u20133 Years<\/td><td>6.10% p.a.<\/td><td>6.60% p.a.<\/td><td>6.85% p.a.<\/td><\/tr><tr><td>Above 3 Years\u201310 Years<\/td><td>6.00% p.a.<\/td><td>6.50% p.a.<\/td><td>6.75% p.a.<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<p><em>Note: Interest rates apply to retail domestic deposits below \u20b93 crore (below \u20b95 crore for senior\/super senior citizens) 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 the usual fixed deposits, Union Bank also has some special-tenure FD schemes. The 555-day FD currently offers the highest interest rate in Union Bank&#8217;s standard domestic term-deposit rate table for deposits below \u20b93 crore, at 6.55% p.a. for general customers.<\/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\/cumulative-vs-non-cumulative-fd-which-payout-option-earns-more\/\" aria-label=\"Cumulative vs Non-Cumulative FD: Which Payout Option Earns More?\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09150531\/Cumulative-vs.-Non-Cumulative-FD-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Cumulative vs. Non-Cumulative FD\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09150531\/Cumulative-vs.-Non-Cumulative-FD-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09150531\/Cumulative-vs.-Non-Cumulative-FD-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09150531\/Cumulative-vs.-Non-Cumulative-FD-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09150531\/Cumulative-vs.-Non-Cumulative-FD-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09150531\/Cumulative-vs.-Non-Cumulative-FD.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\/cumulative-vs-non-cumulative-fd-which-payout-option-earns-more\/\">Cumulative vs Non-Cumulative FD: Which Payout Option Earns More?<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/callable-vs-non-callable-fds-why-non-callable-deposits-pay-more\/\" aria-label=\"Callable vs Non-Callable FDs: Why Non-Callable Deposits Pay More\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09154738\/Callable-vs-Non-Callable-FDs-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Callable vs Non-Callable FDs\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09154738\/Callable-vs-Non-Callable-FDs-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09154738\/Callable-vs-Non-Callable-FDs-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09154738\/Callable-vs-Non-Callable-FDs-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09154738\/Callable-vs-Non-Callable-FDs-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09154738\/Callable-vs-Non-Callable-FDs.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\/callable-vs-non-callable-fds-why-non-callable-deposits-pay-more\/\">Callable vs Non-Callable FDs: Why Non-Callable Deposits Pay More<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sweep-in-fd-explained-how-auto-sweep-accounts-work-in-india\/\" aria-label=\"Sweep-In FD Explained: How Auto-Sweep Accounts Work in India\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09143048\/Sweep-In-FD-Explained-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Sweep-In FD Explained\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09143048\/Sweep-In-FD-Explained-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09143048\/Sweep-In-FD-Explained-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09143048\/Sweep-In-FD-Explained-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09143048\/Sweep-In-FD-Explained-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/10\/09143048\/Sweep-In-FD-Explained.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\/sweep-in-fd-explained-how-auto-sweep-accounts-work-in-india\/\">Sweep-In FD Explained: How Auto-Sweep Accounts Work in India<\/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 eligible resident senior citizens to earn more on their eligible domestic fixed deposits than general customers.<\/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=\"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 6.55% p.a. for general customers, 7.05% p.a. for senior citizens and 7.30% p.a. for super senior citizens on the 555-day FD, based on the rates effective from 4 August 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 fixed deposits for special tenures, including a 555-day tenor, which currently carries the highest rate in its standard domestic term-deposit rate table for deposits below \u20b93 crore.<\/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 public sector bank regulated by the Reserve Bank of India. Eligible deposits are covered under the DICGC deposit insurance scheme, subject to applicable conditions and limits.<\/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","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcdd Quick Summary: Union Bank of India offers regular fixed deposit (FD) interest rates ranging from 2.70% to 6.55% per annum for&hellip;<\/p>\n","protected":false},"author":16,"featured_media":15052,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[225,25],"tags":[],"class_list":["post-15050","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-deposit","category-bond-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Union Bank of India FD Interest Rates October 2026: Tenures &amp; Senior Citizen Benefits<\/title>\n<meta name=\"description\" content=\"Explore Union Bank of India Fixed Deposit interest rates for October 2026. 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What is the highest Union Bank FD interest rate in 2026?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Union Bank offers 6.55% p.a. for general customers, 7.05% p.a. for senior citizens and 7.30% p.a. for super senior citizens on the 555-day FD, based on the rates effective from 4 August 2026.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/goldenpi.com\\\/blog\\\/fixed-deposit\\\/union-bank-of-india-fd-interest-rates-2026\\\/#faq-question-1784638953330\",\"position\":2,\"url\":\"https:\\\/\\\/goldenpi.com\\\/blog\\\/fixed-deposit\\\/union-bank-of-india-fd-interest-rates-2026\\\/#faq-question-1784638953330\",\"name\":\"Q2. Is there any special FD scheme available in Union Bank?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. 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What is the highest Union Bank FD interest rate in 2026?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Union Bank offers 6.55% p.a. for general customers, 7.05% p.a. for senior citizens and 7.30% p.a. for super senior citizens on the 555-day FD, based on the rates effective from 4 August 2026.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/#faq-question-1784638953330","position":2,"url":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/#faq-question-1784638953330","name":"Q2. Is there any special FD scheme available in Union Bank?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. Union Bank offers fixed deposits for special tenures, including a 555-day tenor, which currently carries the highest rate in its standard domestic term-deposit rate table for deposits below \u20b93 crore.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/#faq-question-1784638966252","position":3,"url":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/#faq-question-1784638966252","name":"Q3. Can we calculate the maturity amount of our FD online?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. One can use the Union Bank FD calculator to calculate the maturity amount by entering the investment amount, tenure, and applicable interest rate.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/#faq-question-1784638980328","position":4,"url":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/union-bank-of-india-fd-interest-rates-2026\/#faq-question-1784638980328","name":"Q4. Are the fixed deposits of Union Bank safe?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Union Bank of India is a public sector bank regulated by the Reserve Bank of India. Eligible deposits are covered under the DICGC deposit insurance scheme, subject to applicable conditions and limits.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/15050","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/comments?post=15050"}],"version-history":[{"count":7,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/15050\/revisions"}],"predecessor-version":[{"id":16462,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/15050\/revisions\/16462"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media\/15052"}],"wp:attachment":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media?parent=15050"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/categories?post=15050"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/tags?post=15050"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}