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Union Bank of India Fixed Deposit (FD) Calculator
Union Bank of India FD Calculator allows prospective Union Bank FD applicants to determine the interest income and maturity value for different fixed deposit amounts and tenures. The online FD calculator takes into account the applicable Union Bank of India FD interest rates, principal amount and tenure to compute the total interest amount and maturity value.
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How to Use Paisabazaar’s Union Bank of India FD Calculator
Prospective depositors can use Paisabazaar’s Union Bank of India FD Calculator by following the below mentioned steps:
- Enter the Union Bank of India FD interest rate, deposit amount and tenure in the FD calculator
- Click on ‘Calculate’
- The calculator will take a few seconds to compute the total FD maturity amount, principal and interest earned on your FD.
The FD maturity value depends on factors like the Union Bank of India FD interest rates, deposit tenure, principal FD amount and the type of FD chosen, i.e. cumulative or non-cumulative FD. Under non-cumulative FD, Union Bank of India offers monthly, quarterly and half-yearly interest payout options under its traditional plans. In the quarterly and half-yearly interest pay-out option, interest is credited in the current/saving account of the depositor on quarterly and half-yearly basis respectively. In the monthly pay-out option, interest is calculated quarterly and paid out to the depositor each month at a discounted rate. The interest component for Union Bank of India Cumulative FD option is calculated and compounded on quarterly rests and credited to the deposit account at half-yearly intervals. The interest component remains invested till FD maturity. Union Bank of India FD monthly payout option is suited for depositors needing fixed monthly income on a regular basis to meet their expenses. The cumulative investment option, on the other hand, helps depositors take advantage of the power of compounding, as the interest component remains invested in the deposit account and starts generating interest income as well.
Also Read: Which bank offers maximum interest on FD?
Comparison of Top 20 Scheduled Banks based on FD Rates
Banks | Highest FD rate (% p.a.) | 1-year FD rate (% p.a.) | 3-year FD rate (% p.a.) | 5-year FD rate (% p.a.) | Additional interest rate for senior citizens (% p.a.) |
| Suryoday Small Finance Bank | 8.00 | 7.25 | 7.25 | 8.00 | 0.20 |
| Jana Small Finance Bank | 7.77 | 7.00 | 7.50 | 7.77 | 0.50 |
| ESAF Small Finance Bank | 7.60 | 4.75 | 6.00 | 5.75 | 0.50 |
| Utkarsh Small Finance Bank | 7.50 | 6.00 | 7.50 | 7.00 | 0.50 |
| Ujjivan Small Finance Bank | 7.45 | 7.25 | 7.20 | 7.20 | 0.50 |
| Equitas Small Finance Bank | 7.30 | 7.00 | 7.00 | 7.00 | 0.50 |
| Shivalik Small Finance Bank | 7.30 | 6.00 | 7.00 | 6.50 | 0.50 |
| Bandhan Bank | 7.20 | 7.00 | 7.00 | 5.85 | 0.50-0.75 |
| DCB Bank | 7.15 | 6.90 | 7.00 | 7.00 | 0.25-0.50 |
| RBL Bank | 7.20 | 7.00 | 7.20 | 6.70 | 0.50 |
| Capital Small Finance Bank | 7.15 | 7.00 | 7.00 | 6.90 | 0.50 |
| SBM Bank | 7.30 | 7.00 | 7.10 | 7.00 | 0.50 |
| AU Small Finance Bank | 7.10 | 6.35 | 7.10 | 6.75 | 0.50 |
| Central Bank of India | 6.75 | 6.40 | 6.25 | 6.25 | 0.50 |
| YES Bank | 7.00 | 6.65 | 7.00 | 6.75 | 0.50-0.75 |
| Induslnd Bank | 7.00 | 6.75 | 6.90 | 6.65 | 0.50 |
| Unity Small Finance Bank | 6.75 | 6.50 | 6.75 | 6.75 | 0.50 |
| Federal Bank | 6.75 | 6.25 | 6.75 | 6.50 | 0.50 |
| Bank of India | 6.70 | 6.25 | 6.25 | 6.00 | 0.50 |
Union Bank of India FD Interest Rates
Union Bank FD Interest Rates of Domestic/NRO deposits of less than Rs 3 crore w.e.f. 5 December 2025
| Tenure | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 7 days to 14 days | 2.75 | 3.25 |
| 15 days to 30 days | 3.00 | 3.50 |
| 31 days to 45 days | 3.25 | 3.75 |
| 46 days to 90 days | 4.40 | 4.90 |
| 91 days to 120 days | 4.75 | 5.25 |
| 121 days to 180 days | 5.00 | 5.50 |
| 181 days to 270 days | 5.75 | 6.25 |
| 271 days to 364 days | 6.00 | 6.50 |
| 1 year | 6.25 | 6.75 |
| Above 1 year to 399 days | 6.20 | 6.70 |
| 400 days | 6.30 | 6.80 |
| 401 days to 2 years | 6.00 | 6.50 |
| Above 2 years to 996 days | 6.00 | 6.50 |
| 997 days | 5.95 | 6.45 |
| Above 998 days to 3 years | 6.00 | 6.50 |
| Above 3 years to 10 years | 5.90 | 6.40 |
Note: For super senior citizens aged 80 years and above, the bank offers an additional 0.25% p.a. interest rate offered to senior citizens.
Note: FD rates as of 17 December 2025
Advantages of Using Union Bank of India FD Calculator
The main benefits of using online Union Bank of India FD Calculator are as follows:
Free of Cost
Prospective depositors can use the Union Bank of India FD calculator tool a number of times, without charge, to compare and evaluate the overall returns for different combinations of FD interest rates, principal amount and FD tenure.
Saves Time
The process of calculating the FD maturity value manually can be laborious and time taking, which can lead to human errors. The automated calculation process used by Union Bank of India FD calculator helps save time along with providing reliably accurate results.
Know Your Returns in Advance
Union Bank of India FD calculator provides reliable estimates of the total investment earnings. Therefore, prospective FD applicants can use the Union Bank of India FD calculator to make well-informed decisions based on their liquidity needs and cash flows before opting for a fixed deposit.
FAQs
What is the highest interest rate offered on Union Bank of India Fixed Deposits?
For regular citizens, the highest interest rate currently offered on Union Bank of India FD is 6.30% p.a. for a special tenure of 400 days. For senior citizens, the bank offers additional interest of 0.5%.
How much interest will I earn if I invest Rs 1 lakh in Union Bank of India FD for a tenure of 1 year?
Union Bank of India offers 6.25% p.a. interest rate on a tenure of 1 year. So, by investing Rs 1 lakh in the bank’s fixed deposit account, you can earn Rs 6,398 as interest, giving you Rs 1.06 lakh as maturity amount. Senior citizens get an additional 0.50% p.a. interest rate above the regular rates.
How much interest will I earn if I invest Rs 1 lakh in Union Bank of India FD for a tenure of 3 year?
Union Bank of India offers 6.00% p.a. interest rate on a tenure of 1 year. So, by investing Rs 1 lakh in a Union Bank of India fixed deposit account, you can earn Rs 6,136 as interest, giving you Rs 1.06 lakh as maturity amount. Senior citizens get an additional 0.50% p.a. interest rate above the regular rates.
How much interest will I earn if I invest Rs 1 lakh in Union Bank of India FD for a tenure of 5 year?
Union Bank of India offers 6.25% p.a. interest rate on a tenure of 1 year. So, by investing Rs 1 lakh in a Union Bank of India fixed deposit account, you can earn Rs 6,032 as interest, giving you Rs 1.06 lakh as maturity amount. Senior citizens get an additional 0.50% p.a. interest rate above the regular rates.
Is Union Bank of India FD Calculator free to use?
Union Bank of India does not have an FD calculator on its own website. So, consumers can use Paisbaazaar’s online FD calculator to calculate the maturity amount of their Union Bank of India FDs. It is free and easy for anyone to use.
Can NRIs use the Union Bank of India Fixed Deposit Calculator?
NRIs can use the Union Bank of India FD Calculator to estimate returns on their fixed deposits by entering the applicable NRE/NRO FD interest rate, tenure and deposit amount.
Where can I use the Union Bank of India Fixed Deposit Calculator?
Consumers can calculate the FD maturity amount of their Union Bank of India FDs using Paisabazaar’s Fixed Deposit Calculator. For calculation, the user needs to enter a few basic details such as the deposit amount, applicable interest rate and tenure. Once this is done, the calculator will display the interest income and maturity amount.
Does the Union Bank of India FD Calculator show interest earnings separately?
Union Bank of India FD Calculator displays the total interest earnings separately.
Does the Union Bank of India FD Calculator give accurate results?
Yes, the calculations performed on the Union Bank of India FD Calculator are accurate.
Is the Union Bank of India Fixed Deposit Calculator useful for tax-saving FDs?
Yes, the Union Bank of India FD Calculator can also be used for calculating the FD maturity amount and interest earned on the bank’s tax saving FDs.