UCO Bank Special 444 Day Fixed Deposit Scheme Offers Interest Rates Up To 6.95 Percent

UCO Bank is offering interest rates between 6.45 percent and 6.95 percent on its 444-day special fixed deposit scheme for deposits below 3 crore rupees, with extra rate benefits for senior citizens and staff.

Public sector lender UCO Bank, which ranks among the 12 state-owned commercial banks operating in India, provides fixed deposit interest rates spanning from 2.90 percent to 8.10 percent per annum across various investment tenures. To cater to retail depositors looking for secure, fixed returns, the public sector institution offers a specialized 444-day fixed deposit scheme that delivers attractive yield options for different categories of investors. Under this targeted financial product, eligible account holders can earn competitive annual interest returns ranging between 6.45 percent and 6.95 percent on deposit amounts of less than 3 crore rupees.

Interest Rate Breakdown for the 444-Day Special Deposit Option
The 444-day special fixed deposit scheme applies distinct rate slabs based on the age bracket of the depositor. Individual customers aged up to 59 years earn an annual interest rate of 6.45 percent on their deposited capital for this 444-day period. In contrast, senior citizen depositors who are 60 years of age or older receive an enhanced interest yield of 6.95 percent per annum on the same 444-day tenure. These interest rates are applicable to retail fixed deposit accounts holding sums below the 3 crore rupees threshold, providing predictable returns for general savers and retirees alike.

Additional Yield Benefits for Senior Citizens and Bank Personnel
UCO Bank has instituted a layered interest rate benefit framework for senior citizens, serving employees, and retired staff members. Senior citizen depositors aged 60 years and above earn an additional 0.50 percent interest rate over standard public rates on fixed deposits with tenures exceeding 1 year. On deposit tenures up to 1 year, senior citizens receive an additional 0.25 percent interest rate over standard customer rates.

Serving staff members of UCO Bank receive a standard additional interest premium of 1.00 percent on their fixed deposit accounts. Meanwhile, retired senior citizen staff receive the highest interest rate incentives offered by the bank. For fixed deposits up to 1 year in duration, retired senior citizen staff gain an additional 1.25 percent interest rate above general rates. For deposit tenures longer than 1 year, retired senior citizen staff obtain an additional 1.50 percent interest rate above general customer rates, maximizing their earnings on long-term savings.

Interest Rate Revision Details and Account Criteria
The interest rate structure currently in effect across UCO Bank fixed deposit accounts follows the formal rate revision carried out on 21 May 2026. The public sector lender has maintained these exact interest rates without further modifications since 21 May 2026. Prospective investors should verify that these advertised yields apply specifically to retail fixed deposit amounts under 3 crore rupees, while deposits exceeding 3 crore rupees fall under separate bulk deposit rate schedules.

What this means for you
Across India: Investors seeking fixed deposit returns under 3 crore rupees can lock in predictable interest rates ranging from 6.45 percent to 6.95 percent under UCO Bank's 444-day scheme.

For Senior Citizens and Staff: Depositors aged 60 and above as well as retired bank personnel can leverage bonus rates ranging from 0.50 to 1.50 percent to maximize returns on long-term savings.

Questions & Answers

1. What is the interest rate on UCO Bank's 444-day FD scheme?
UCO Bank offers an annual interest rate of 6.45 percent to general customers and 6.95 percent to senior citizens on its 444-day special fixed deposit scheme.

2. What is the total range of FD interest rates offered by UCO Bank?
UCO Bank offers fixed deposit interest rates ranging from 2.90 percent to 8.10 percent per annum depending on tenure and customer eligibility.

3. How much additional interest do retired senior citizen staff members receive?
Retired senior citizen staff members receive an extra 1.25 percent interest on tenures up to 1 year and an extra 1.50 percent interest on tenures exceeding 1 year.

4. When did UCO Bank last revise its fixed deposit interest rates?
UCO Bank last formally revised its fixed deposit interest rate structure on 21 May 2026.

https://trendkia.com/en/money/uco-bank-ki-444-dinon-vali-speshala-ephadi-para-mila-raha-6-95-phisadi-taka-byaja-janen-varishtha-nagarikon-ke-phayade-17379
TrendKia — Har trend, sabse pehle.