Utkarsh Small Finance Bank FD Rates:
क्या आप अपना पैसा एक निश्चित समय के लिए जमा करना चाहते हैं और अच्छा ब्याज कमाना चाहते हैं? utkarsh small finance bank FD का विकल्प आपके लिए उपयुक्त हो सकता है। यहां उन सभी चीजों का विवरण दिया गया है जिन्हें आपको जानने की जरूरत है:
Investment Period:
utkarsh small finance bank FD आपको अपने पैसे को 7 दिन से लेकर 10 साल तक के लिए जमा करने की सुविधा देती है। आप ऐसी अवधि चुन सकते हैं जो आपके वित्तीय लक्ष्यों के लिए सबसे उपयुक्त हो।
Interest Rates:
आपको मिलने वाली ब्याज दर इस बात पर निर्भर करती है कि आप वरिष्ठ नागरिक हैं या नहीं:
आम आदमी: आप हर साल 4.00% से 8.50% के बीच ब्याज कमा सकते हैं।
वरिष्ठ नागरिक: यदि आप एक निश्चित उम्र से ऊपर हैं, तो आपको बेहतर दरें मिलती हैं, जो हर साल 4.75% से 9.10% ब्याज के बीच होती हैं।
TAX बचत विकल्प:
utkarsh small finance bank एक विशेष कर बचत एफडी योजना भी प्रदान करता है। यह योजना आपको अच्छा रिटर्न कमाते हुए करों पर बचत करने की अनुमति देती है:
आम आदमी: हर साल 7.50% ब्याज कमाएं।
वरिष्ठ नागरिक: हर साल 8.10% ब्याज कमाएं।
About Utkarsh Small Finance Bank:
utkarsh small finance bank एक निर्धारित बैंक है। इसका मतलब है कि बैंक के साथ किसी भी अप्रत्याशित परिस्थिति में आपका जमा ₹5 लाख तक सुरक्षित है। यह सुरक्षा DICGC ( जमा बीमा और ऋण गारंटी निगम) द्वारा प्रदान की जाती है, जो भारतीय रिजर्व बैंक (RBI) की एक सहायक कंपनी है।
Utkarsh Small Finance Bank FD Rates Table:
Utkarsh Small Finance Bank FD Rates (p.a.) Highlights 2024
| Highest slab rate | 8.50% (for 2 years to 3 years) |
| ' | |
| For 1 year | 8.00% |
| For 2 years | 8.50% |
| For 3 years | 8.50% |
| For 4 years | 7.50% |
| For 5 years | 7.50% |
| Tax Saving FD | 7.50% |
The interest rates are updated as of 1 April 2024.
Utkarsh Small Finance Bank FD Rates 2024
Domestic deposits FD Rates of less than Rs 2 crore w.e.f. 21 August 2023
Tax Saver Deposit - Utkarsh Small Finance Bank
Utkarsh Small Finance Bank FD Schemes Types
Regular Fixed Deposits
Minimum Deposit: Starting at an affordable Rs 1,000
⏳ Tenure: Dive into a financial journey spanning 7 days to a grand 10 years
💡 Interest Calculation for Short-term FDs: For tenures below 181 days, interest accrues and is payable at maturity, calculated simply.
📅 Monthly Payout Option: Opt for a monthly payout scheme, where interest is calculated at discounted rates, ensuring steady returns.
👵 Exclusive Perks for Seniors: Senior citizens receive an additional 0.75% p.a. on standard FD rates, acknowledging their contribution to the economy.
🛑 Early Withdrawal Clause: Beware! No interest awaits if withdrawal occurs within the initial 7 days of opening the FD.
Fixed Deposit Plus (Without Premature Withdrawal Facility)
📈 Higher Interest Earnings: Experience a lucrative opportunity to earn above-average interest rates compared to standard fixed deposits.
💵 Deposit Range: Dive into the world of high-yield investments with a minimum deposit starting above Rs 15 lakh and capping just below Rs 2 crore.
⏳ Flexible Tenure: Embark on a financial journey spanning 7 days to a decade, allowing you to tailor your investment horizon to suit your needs.
👵 Senior Citizen Privileges: Avail an additional 0.75% interest over regular FD rates, specially curated to honor our esteemed senior citizen depositors.
💡 Interest Calculations Simplified: For tenures below 181 days, interest accrues and is payable at maturity, ensuring a straightforward calculation process.
📆 Payout Flexibility: Choose between monthly payouts at a discounted rate, quarterly payouts, or the classic option of receiving interest at maturity, granting you the power to manage your earnings as per your preference.
Tax Saver Fixed Deposit
📉 Tax Deduction Benefits: Enjoy the perk of tax deductions of up to Rs 1.5 lakh under Section 80C for deposits made in each financial year.
💰 Flexible Deposit Range: Start your savings journey with a minimum deposit of Rs 1,000, and go up to a maximum of Rs 1.5 lakhs.
⏳ Locked-In Tenure: Commit to a 5-year tenure, ensuring a secure investment with a lock-in period.
👴 Exclusive Senior Citizen Benefits: Senior citizen FD depositors are rewarded with an additional 0.75% interest rate, acknowledging their valued contribution.
📆 Payout Options: Choose between monthly pay-outs at a discounted rate or quarterly payout options, providing flexibility in managing your earnings.
🔄 No Premature Withdrawal: Ensure stability in your investment journey, as premature/partial withdrawal, auto-renewal, and loan & overdraft facilities are not available.
🔖 Nomination Facility: Secure your investment by availing the nomination facility, offering peace of mind to you and your loved ones.
Premature Withdrawal of Fixed Deposits – Penalty Charges
💸 Transparent Deductions: Rest assured, interest payouts are made transparently, deducting only a nominal penal rate of 1% from the applicable interest rate.
📉 Best Rate Guarantee: We guarantee the best returns by applying the lower of the interest rate applicable for the deposit period or the contracted interest rate.
🛑 No Penalty for Early Closure: Enjoy flexibility without the fear of penalties! Premature withdrawal within the first 7 days incurs no penalty.
💼 Emergency Withdrawal Protocols: In unforeseen circumstances, premature withdrawal of Fixed Deposit Plus deposits is permitted solely in cases of the account holder’s demise or upon directive from regulatory or statutory authorities.
🔍 Your Financial Security, Our Priority: We prioritize your financial security by ensuring fair policies and transparent procedures.
Utkarsh Bank FD Calculator
📊 Maximize Your Returns with Precision: Utilize the Utkarsh Small Finance Bank’s FD Calculator
🔍 Smart Decision Making: Before committing your funds to any of Utkarsh Small Finance Bank’s fixed deposit schemes, leverage the power of knowledge with our recommended tool, the Fixed Deposit Calculator at Paisabazaar.com.
🖥️ Accessible Anywhere, Anytime: This online tool is your financial companion, available round-the-clock and accessible from both mobile phones and computers, ensuring convenience and ease of use.
💡 Unlock Insights: By utilizing the FD calculator, customers can gain valuable insights into their potential interest earnings with Utkarsh Bank’s FD schemes.
🔢 Simple Inputs, Comprehensive Results: With just three simple inputs – deposit amount, tenure, and Utkarsh Bank’s FD rates – the calculator generates precise estimations of your total interest earnings.
📈 Empowering Financial Decisions: Armed with this information, you can confidently direct your investments towards the most lucrative opportunities, maximizing your returns effectively.
FAQs
Q. Utkarsh Small Finance Bank FD Rates में उपलब्ध सबसे उच्च FD दर क्या है ?
सामान्य व्यक्तियों के लिए 8.50% और वरिष्ठ नागरिकों के लिए 9.10% (2 साल से 3 साल तक)।
Q. Utkarsh Small Finance Bank FD खाता में निवेश करने का minimum राशि क्या है?
1000rs है
