Two hundred years of tradition of one of the country’s biggest public-sector banks have put the UCO Bank among well-established contenders in FD schemes in 2025. If obtaining guaranteed return is important with total safety, then UCO Bank FDs would be the way to go. Offering one of the best rates of interest in the market, depending on the mode of interest, tenure, etc., a maximum of Rs. 21,879 can be earned on an investment of Rs. 1 lakh.
Interest Rates and Tenure Basic to Attraction
In 2025, the UCO Bank FD interest rate varies anywhere between 6.50% till 7.30% per annum for general customers. However, it comes as an added bonus wherein senior citizens get an additional interest of 0.50%, thus having that much more appeal for retirees in search of steady return. For example, if an amount of ₹1 lakh is invested for 3 years at 7.10% per annum, the total maturity amount shall be ₹1,21,879 — which means the interest of ₹21,879 will be earned over the period. Interest can be drawn by the depositor monthly, quarterly, or on maturity, depending on his/her need for liquidity.
Why Choose UCO Bank Fixed Deposit
The UCO Bank Fixed Deposit scheme offers safety, liquidity, and steady returns. Your deposits are secured to the tune of ₹5 lakh under the Deposit Insurance and Credit Guarantee Corporation (DICGC) scheme, thereby ensuring that your money is protected in an uncertain market scenario. The bank also provides additional facilities such as premature withdrawal, nomination, and loan against FD for your own convenience, so you may avail of these should you need to manage your money without breaking an FD.
Best for a Risk-Free Investor
For those who want to invest with minimal risk, UCO Bank FDs are the right answer. Senior citizens can take the most advantage of the extra interest rate and get a regular income from their savings.
Conclusion
With assured returns, freedom, and full safety, UCO Bank Fixed Deposit schemes remain one of the most secure investment avenues in 2025. The ₹21,879 earned on a ₹1 lakh investment in merely three years is a classic example of how traditional saving instruments still yield in rewarding growth today.
