Utkarsh Small Finance Bank FD Calculator  

Utkarsh Small Finance Bank Limited started on April 30, 2016. It provides banking and financial services across India. The bank is popular among fixed-income investors and offers attractive interest rates. As of August 6, 2025, Utkarsh Small Finance Bank’s peak general customer rates are 7.25% on Tax Saver FD, 7.90% on FD Plus scheme (₹1 crore to ₹3 crore), and 7.65% on regular domestic FDs. Senior citizens earn an additional 0.50% on each FD category.

So, want to know how much you will earn before making the deposit? You can use the Utkarsh Small Finance Bank fixed deposit interest rates calculator 2025. This is a free tool available online. Read this article till the end to learn what the Utkarsh Small Finance Bank FD interest rates calculator is, how it works, and how to use it. Additionally, you will learn what benefits it offers to investors like you.

What is the Utkarsh Small Finance Bank FD Rates Calculator?

A Utkarsh Small Finance Bank FD rates calculator is an online tool you can use to know how much money you will get at the end of your fixed deposit. It is available for free on the GoldenPi website. Using it, you can do the following:

Particulars	Use Case I: Compare different tenures	Use Case II: Try various investment amounts	Use Case III: Understand the benefit of compounding	Use Case IV: Plan for specific goals
What can you do?	You can enter different time periods (like 1 year, 2 years, 3 years) and see how the maturity amount changes.	You can test different deposit amounts to see how much interest you’ll earn.	The calculator allows you to choose how often interest is added (yearly, half-yearly, or quarterly).	By knowing the exact returns in advance, you can match your FD investment with planned expenses like children’s education, travel, or emergency funds.
How does it benefit you?	This allows you to choose the best duration based on your financial goals (short-term or long-term).	This lets you decide how much money to invest to reach a specific savings target.	You can compare results and see how compounding affects your returns.	You can know the exact corpus you must accumulate.

Don’t remain uncertain!Calculate your maturity amount today with Utkarsh Small Finance Bank fixed deposit interest rates calculator 2025 and know your returns in advance. 

How Does Utkarsh Small Finance Bank FD Rates Calculator Work?

To use the Utkarsh Small Finance Bank FD rates calculator, firstly, you must input four main details:

Input I: Principal Amount	Input II: Tenure	Input III: Citizen Type	Input IV: Payout
The amount of money you want to deposit.	The duration for which you want to keep your money in the fixed deposit.	Enter whether you are a senior citizen (above 60 years of age) or a regular customer.	Decide how you want to receive interest. The available options are monthly, quarterly, and at maturity.

Once you enter these details, the calculator uses a standard formula to calculate two results:

1. The maturity amount: It represents the total amount you will receive at the end of the FD term.
2. The interest earned: The profit you make from the deposit.
   
   

Please note that the Utkarsh Small Finance Bank FD rates calculator picks the latest interest rates automatically based on your selected tenure and citizen type.

How to Use the Utkarsh Small Finance Bank FD Calculator Online?

To get an estimate of what you can get at the end of your FD term, follow these four simple steps:

Step 1: Enter the investment amount

Type the amount you want to deposit/ invest.

Step 2: Select the tenure

Choose how long you want to keep your fixed deposit. The Utkarsh Small Finance Bank FD rates calculator provides a dropdown list of all available tenures offered by the bank. Simply select your preferred duration from these options to proceed.

Step 3: Choose your citizen type

Select whether you are a regular investor (toggle left) or a senior citizen (toggle right). The calculator will apply the correct interest rate based on your selection. Please note that the default selection is that of a senior citizen. 

Step 4: Choose the interest payout option

Lastly, decide how you want to receive your interest: monthly, quarterly, or at maturity. Once all these details are entered, the Utkarsh Small Finance Bank fixed deposit interest rates calculator 2025 instantly shows you the maturity value and total interest earned. 

Advantages of Using the Utkarsh Small Finance Bank FD Calculator

The Utkarsh Small Finance Bank FD rates calculator can be accessed online from any device (mobile, laptop, or desktop). There’s no need to visit a bank branch. You can use it anytime to compare different FD options before making a decision. 

Let’s gain more clarity and see how it lets you make better financial decisions:

1. 100% Accurate Calculation

The calculator gives you the exact maturity amount and interest earned based on the details you enter. This removes any guesswork or errors that can happen when doing the math manually! With the Utkarsh Small Finance Bank FD calculator online, you don’t have to worry about using the wrong formula or missing any step.

2. No Need for Manual Calculations

Manual FD calculations take time, particularly if you’re comparing multiple tenures or interest rates. The Utkarsh Small Finance Bank FD rates calculator does the math instantly! All you have to do is just enter your amount, interest rate, and tenure. Next, the calculator gives you accurate results right away.

3. Do Smart Financial Planning

By using the FD calculator, you can know:

• The applicable interest rate based on your selected tenure and citizen type.
• How different tenures affect your returns.
• The impact of choosing different payout options (monthly, quarterly, at maturity).
• The exact interest you will earn on your FD.
• The total maturity amount you’ll receive at the end of the term.
  
  

This knowledge lets you choose the right deposit period and amount.

4. Free of Cost

The Utkarsh Small Finance Bank FD rates calculator is completely free to use. You don’t have to pay anything to access it (no matter how many times you use it). This allows you to try different amounts, tenures, and interest rates without any charges. 

Book Your Utkarsh Small Finance Bank FD Today with GoldenPi

The Utkarsh Small Finance Bank FD rates calculator is a free digital tool available online. Using it, you can easily:

• Estimate your maturity amount
• Compare tenures
• Understand how interest payout options affect your returns.

Whether you're a regular investor or a senior citizen, the calculator applies the correct interest rate based on the latest FD rate card offered by the Utkarsh Small Finance Bank. 

So, don’t want to deal with formulas or guesswork?Try the Utkarsh Small Finance Bank FD rates calculator now and see how your money can grow!