Utkarsh Small Finance Bank Short-term FD

Utkarsh Small Finance Bank is a Reserve Bank of India (RBI) regulated and DICGC-backed scheduled commercial bank. It offers a range of short-term FD schemes for investors. As of August 7, 2025, the highest interest rates currently available are 7.25% for regular customers and 7.75% for senior citizens (for 371 days to less than 2 years). 

If you are looking to park funds of more than ₹1 crore, you can opt for the FD Plus (non-withdrawable) scheme. It offers slightly better peak rates of 7.50% p.a. (for regular investors) and 8.00% p.a. (for senior citizens) for a tenure of 371 days to less than 2 years. 

However, overall (considering both long-term and short-term tenures), Utkarsh Small Finance Bank’s peak general customer rates are 7.25% on Tax Saver FD, 7.90% on FD Plus, and 7.65% on regular domestic FDs. Senior citizens earn an additional 0.50% on each FD category.

Want to know in detail? In this article, let’s check out the latest Utkarsh Small Finance Bank short-term FD interest rates 2025. Also, you will learn how you can calculate your returns in advance using the Utkarsh Small Finance Bank short-term FD calculator.

Utkarsh Small Finance Bank Short-Term FD Rates - For Regular Customers

If you're a conservative general customer (below 60 years of age) looking for fixed returns, Utkarsh Small Finance Bank offers short-term FDs with a premature withdrawal facility. You get access to your funds anytime (subject to a penalty of 1%). 

Let’s check out the latest Utkarsh Small Finance Bank short-term FD rates below:

Tenure	Interest Rate (% p.a.)
7 Days to 45 Days	4.00%
46 Days to 90 Days	4.50%
91 Days to 180 Days	5.00%
181 Days to 370 Days	6.00%
371 Days to less than 2 Years	7.25% (highest short-term FD rate)

Note: The above interest rates are valid as of August 7, 2025. This rate is subject to change, so please verify the latest rate before investing.

Important Points

• The highest return of 7.25% p.a. is available for the 371 Days to less than 2 Years window.
• If you are strictly looking for an FD duration of less than 365 days, you can go for the next best rate of 6% p.a. offered for a tenure of 181 Days to 370 Days.
• Premature withdrawal is allowed, but comes with a 1% penalty. This penalty is applied to the lower of the applicable or contracted rate.
• Please note that interest on FDs below 181 days is calculated on a simple interest basis.

Utkarsh Small Finance Bank Short-Term FD Interest Rates - For Senior Citizens

Utkarsh Small Finance Bank offers an additional 0.50% p.a. to senior citizens (above the age of 60 years). In this FD scheme, you get multiple payout options and can choose to receive interest monthly, quarterly, or at maturity. 

Let’s check out the latest Utkarsh Small Finance Bank short-term FD rates for senior citizens below:

Tenure	Interest Rate (% p.a.)
7 Days to 45 Days	4.50%
46 Days to 90 Days	5.00%
91 Days to 180 Days	5.50%
181 Days to 370 Days	6.50%
371 Days to less than 2 Years	7.75% (highest short-term FD rate)

Note: The above interest rates are valid as of August 7, 2025. This rate is subject to change, so please verify the latest rate before investing.

Important Points

• The peak return of 7.75% p.a. is offered for the tenure of 371 days to less than 2 years.
• The second best rate is 6.50% p.a. offered for a tenure of 181 Days to 370 Days.
• Monthly interest payments will be made at a discounted rate. 
• Please note that interest income is taxable in the hands of senior citizens and is subject to TDS. 

Utkarsh Small Finance Bank Short-Term FD Interest Rates 2025 - FD Plus Scheme

If you are a high-value investor looking to invest more than ₹1 crore (up to ₹3 crore), Utkarsh Small Finance Bank offers an “FD Plus” scheme. These FDs suit corporate investors, HNIs (high net-worth individuals), and institutions looking for short-term asset parking.

However, this Utkarsh Small Finance Bank short-term FD scheme does not offer the premature withdrawal facility. Your funds remain locked for the entire FD duration (except in case of emergencies). 

Below are the latest Utkarsh Small Finance Bank short-term FD interest rates 2025 for bulk deposits between ₹1 crore to ₹3 crore:

Tenure	Regular Customers Interest Rate (% p.a.)	Senior Citizens Interest Rate (% p.a.)
7 Days to 45 Days	4.00%	4.50%
46 Days to 90 Days	4.50%	5.00%
91 Days to 180 Days	5.00%	5.50%
181 Days to 370 Days	6.00%	6.50%
371 Days to less than 2 Years	7.50% (highest short-term FD rate)	8.00% (highest short-term FD rate)

Note: The above interest rates are valid as of August 7, 2025. This rate is subject to change, so please verify the latest rate before investing.

Important Points

• The above interest rates apply to both fresh fixed deposits and renewals. 
• Your FD will be officially created only after the bank receives clear (settled) funds.
• The interest rate that will apply is the rate applicable on the actual date when funds are credited and available (not the date of initiation or transfer).

• If you want to do bulk deposits (₹3 crore and above), you must contact your nearest Utkarsh Small Finance Bank Branch. 

How to Use Utkarsh Small Finance Bank Short-Term FD Calculator Online?

Calculating returns on your short-term FDs is usually error-prone and time-consuming, particularly when you are dealing with odd tenures like 729 days, 371 days, and more. 

The Utkarsh Small Finance Bank short-term FD calculator solves this by offering a free online tool that gives you 100% accurate results in seconds! It automatically fetches the latest FD rates based on your inputs and displays the:

• Maturity amount 

and

• Total interest earned

Let’s see how you can use the Utkarsh Small Finance Bank short-term FD calculator in simple steps:

Step 1: Visit the Official FD Calculator Page

Visit the GoldenPi platform and access the FD calculator. This tool is available free of cost (no registration or login needed).

Step 2: Enter the Investment Amount

Input the amount you want to invest in the FD. Please make sure it exceeds the minimum deposit requirement set by Utkarsh Small Finance Bank. For short-term FDs, the minimum amount is ₹1,000. 

Step 3: Select the FD Tenure

Choose the FD tenure from a drop-down menu. The calculator is pre-configured with all the valid tenures offered by Utkarsh Small Finance Bank. This makes sure you’re selecting only the available and valid options. 

Step 4: Choose the Citizen Type

Select whether you're a:

• General Customer (toggle left)

or

• Senior Citizen (toggle right)
  
  

This is highly important because Utkarsh Small Finance Bank offers an additional interest (0.50% p.a.) to senior citizens. The calculator adjusts the rate accordingly based on what you select.

Step 5: Select Payout Option

Choose how you want to receive interest:

• Monthly
• Quarterly
• On Maturity
  
  

Again, your selection affects how the interest is calculated. The Utkarsh Small Finance Bank short-term FD calculator automatically applies discounted rates for periodic payouts.

Step 6: View Results Automatically

Once all inputs are filled, the calculator fetches the latest applicable FD interest rate (based on tenure and customer type). Next, it calculates the “Total Interest” and displays your “Maturity Value”. 

So, want to avoid manual miscalculations?Instantly calculate your returns using the Utkarsh Small Finance Bank short-term FD calculator now. 

Invest in Utkarsh Small Finance Bank Short-Term FD Schemes Digitally with GoldenPi

Utkarsh Small Finance Bank runs several short-term FD schemes for various types of investors, such as senior citizens, HNIs, and general investors. As of August 7, 2025, the highest short-term FD interest rates are offered for tenures ranging from 371 days to less than 2 years as follows:

• 7.25% p.a. for regular customers

and

• 7.75% p.a. for senior citizens

For deposits above ₹1 crore, the FD Plus (non-withdrawable) scheme offers even better returns, which are 7.50% p.a. for regular investors and 8.00% p.a. for senior citizens (for the same tenure slab).

Need an estimate? You can calculate your exact returns before booking by using the Utkarsh Small Finance Bank short-term FD calculator. It gives you an accurate maturity value based on the latest FD rates.

So, want to book your FD securely and 100% online? Use the GoldenPi platform and invest today!