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Latest UCO Bank RD Interest Rates: All You Need to Know
Reviewed by: Fibe Research Team
- Updated on: 26 Sep 2025
Reviewed by: Fibe Research Team
Putting aside small amounts every month is often easier than saving a big sum at once. That’s where recurring deposits (RDs) work well. You invest a fixed amount every month and get assured returns when the term ends.
UCO Bank, one of India’s trusted public sector banks offers RDs that are safe and easy to manage. The current UCO Bank RD interest rates 2025 are between 2.90% and 6.30% for the general public. Senior citizens can earn up to 6.55%.
Read on to explore the latest rates, features and available schemes.
A recurring deposit with UCO Bank lets you deposit a fixed amount every month for a set tenure. At maturity you receive your savings along with the interest earned. The UCO Bank recurring deposit interest rate is the same as the bank’s term deposit rates. This means you get fixed returns without worrying about market changes.
Here are the latest UCO Bank RD interest rates 2025 for deposits below ₹3 crore:
| Maturity Period | General Public (p.a.) | Senior Citizen (p.a.) |
|---|---|---|
| 7 – 14 days | 2.90% | 3.15% |
| 46 – 90 days | 3.50% | 3.75% |
| 181 – 332 days | 5.00% | 5.25% |
| 333 days (special) | 6.30% | 6.55% |
| 1 year | 6.25% | 6.50% |
| 2 – 3 years | 6.15% | 6.40% |
| 3 – 5 years | 6.10% | 6.35% |
| Above 5 years | 6.00% | 6.25% |
These are the card rates published by the bank and can change if revised. Senior citizens get 0.25% to 0.50% extra, while retired staff can earn up to 1.5% more.
UCO Bank offers more than just regular RDs:
A flexible plan where you can vary monthly deposits. The minimum monthly deposit is ₹100 and the tenure ranges from 1 to 5 years. No penalty for delays.
A special RD for women. The minimum deposit is ₹2,000 per month with a tenure ranging from 1 to 5 years. Comes with accidental insurance cover up to ₹1 lakh on 5-year deposits. Senior citizen women and staff enjoy extra interest benefits.
These products give savers more choice based on their needs.
Opening a UCO Bank RD is simple. You can apply if you are an individual, a minor with or without a guardian, HUF, firm, company, trust, club or society. Women above 18 years can also apply under the Sanchayika scheme. Opening an RD is simple:
Interest earned on RDs is taxable under your income tax slab. TDS applies if yearly interest crosses ₹40,000 (₹50,000 for senior citizens). You can submit Form 15G or 15H if your income is below the taxable limit.
Central Bank of India RD interest rates 2025 range between 3.50% and 6.50% for the general public. And 4.00% to 7.00% for senior citizens. The UCO Bank RD interest rate is broadly in line. But special schemes like Sanchayika make it more attractive for women customers.
A recurring deposit with UCO Bank is a safe and simple way to save. The UCO Bank RD interest rate ensures steady growth, while special schemes add flexibility and benefits. Whether you are saving for short-term goals or long-term plans, UCO RDs help you stay disciplined.
Prefer to invest in one go? Fixed deposits work well for that. Fibe lets you book an FD starting from ₹1,000 with great rates and a quick online process. All it takes is just a few clicks to get your investment journey started!
UCO Bank RD interest rate are the same as fixed deposits of similar tenures. The only difference is that FDs are for a lump sum while RDs build savings monthly.
Yes. The UCO Bank RD interest rates 2025 are uniform across all branches.
No. In a regular RD, the amount is fixed. But with UCO Sowbhagya RD, you can vary deposits every month.
