United Bank of India is one of the top govt sector banks which provides good interest rates on fixed deposits. For short period, the bank offers quite low interest rates. For the Fixed deposit below 45 days, the interest rate is only 4%, that is same as for normal saving accounts.

Even the interest rates is not greater than 6.75% for the deposits upto one year which is low as compared to other public sector banks in India. Further, the interest rate is 6.75% for above one year. So, united bank of India offers constant interest rate for above one year.

united bank of india fd interest rates

In other hand, interest rate for senior citizens is same as for other normal fixed deposit accounts. But, extra .50% is applicable for fixed deposits above one year. The below are effective from 1 December, 2016.

United Bank of India Fixed Deposit Interest Rates chart for 2017 Year:

Below 1 croreAbove 1 crore
7 Days to 14 Days4.00%4.00%
15 Days to 30 Days4.00%4.00%
31 Days to 45 Days4.00%4.00%
46 Days to 60 Days4.00%4.00%
61 Days to 90 Days4.50%4.50%
91 Days to 180 Days5.00%4.50%
181 Days to 270 days5.75%4.50%
271 Days to 1 year6.25%4.50%
1 year6.75%5.00%
1 Year to 2 Years6.75%5.00%
2 Years to 3 Years6.75%5.00%
3 Years to 5 Years6.50%5.00%
5 Years to 10 Years6.50%5.00%

Table updated: 21 January, 2017

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Important Notes:

  • .50% extra interest on above rate is available for senior citizens for deposit time above 1 year.
  • 1% extra interest is payble to ubi staff and retired staff. 1.50% extra interest will be paid to UBI senior citizen staff.
  • Minimum deposit period is 1 year for NRE deposits, no interest will be paid for closing fd account before 1 year.

Check out more details from official bank site @http://www.unitedbankofindia.com/english/RatesDeposit.aspx


  1. sir i want open FD for 5 years . i am already sbi account holder. i want to spent 4000000rs. please give detailed information

  2. sir,
    I am a pensioner & i want to know that i have got 15lacs rupees with me from my husbands account through various dept.& other sources,he is no more & i want to make a single fixed deposit of that.I don’t know much about TDs System let me suggest in this matter how & what to do.

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