Union Bank of India (UBI) FD Calculator

Union Bank of India Fixed Deposits Explained

This Union Bank FD calculator applies the quarterly compounding Union Bank of India uses on term deposits, so the maturity value above is the figure a branch will confirm. The bank roughly doubled in size on 1 April 2020 when Andhra Bank and Corporation Bank were amalgamated into it, giving it a markedly deeper presence across the southern and coastal states, and deposits opened at any of those former branches now run on the Union Bank product range and rate card.

Union Bank of India FD Schemes You Can Open

Union Bank's deposit range mixes a standard term deposit with special-tenure schemes that are worth asking for by name:

• •Union Bank Fixed Deposit — The standard cumulative and non-cumulative pair, from 7 days to 10 years, opened through the Vyom app, internet banking or a branch.
• •399-day special tenure deposit — Union Bank has run a 399-day bucket priced separately from the standard one-year rate. Anyone searching for a Union Bank 399 days FD calculator is pricing that specific bucket — enter it as roughly 1.09 years above. Special buckets are opened and withdrawn, so confirm it is currently offered.
• •Tax-saving deposit (5-year) — The five-year lock-in variant qualifying under Section 80C, within the ₹1,50,000 annual ceiling.
• •Monthly income variant (non-cumulative) — Pays interest out monthly rather than compounding it — the opposite structure to the deposit modelled here, and a lower total return at the same rate.

Union Bank of India FD Tenure Slabs and Deposit Rules

Tenure decides how the interest is worked out, not just how long the money is tied up. Below roughly six months there is no completed quarter, so interest is simple; past that it compounds quarterly.

How to Check Union Bank of India FD Interest Rates

Union Bank of India FD rates are quoted per tenure slab and revised as policy and funding needs shift, so a one-year and a three-year deposit opened on the same morning can price differently.

Union Bank publishes its domestic term deposit card on unionbankofindia.co.in and inside the Vyom app, with any special-tenure buckets listed separately from the standard slabs. Because specials are issued and withdrawn periodically, check the card is current before assuming a bucket is open.

Take the current Union Bank of India fixed deposit rates for your exact tenure from the official card, then enter that number above.

What Is Specific to an Union Bank of India FD

• •The 399-day bucket is priced independently of the one-year slab, which is the single reason to compare Union Bank tenure by tenure rather than by round years.
• •Former Andhra Bank and Corporation Bank branches operate under Union Bank IFSC codes, so confirm the current code before funding a deposit by external transfer.
• •The Vyom app handles opening, renewal instructions and premature closure without a branch visit.
• •Senior citizens receive the standard increment across eligible tenures, with a further premium on some special-tenure schemes.
• •A loan or overdraft against the deposit is available, typically up to 90% of its value.

Searches for a UBI FD calculator and a Union Bank FD calculator land on the same tool. Take the rate Union Bank quotes for your exact bucket — including the 399-day special if it is open — and enter it above.

Compare lenders on the master FD calculator, or a monthly commitment on the RD calculator.