Sampoorna Nidhi

Sampoorna Nidhi

Add an extra layer of cushion to your financial life with Ujjivan SFB Sampoorna Nidhi. This FD scheme lets you earn higher interest rates up to 8.25%* p.a. with an additional 0.50%* p.a. for senior citizens. The interest you earn gets directly credited to your savings account every month. Select the tenure of your choice and generate a second source of income with Sampoorna Nidhi Fixed Deposit.

Key Features of Ujjivan SFB Sampoorna Nidhi

  • Deposit tenure of 12 months to 60 months, and in multiples of 12 months
  • Minimum deposit of ₹25,000 and in multiples of ₹1,000 thereof
  • Monthly interest income deposited to your linked Ujjivan SFB Savings or Current Account
  • 24/7 customer care facility
  • Make a deposit directly from your Ujjivan SFB Savings or Current Account
  • Renew your deposit automatically on maturity

Top Benefits of Ujjivan Sampoorna Nidhi

  • High interest rates up to 8.25%* p.a.
  • Premature closure without penalty after 6 months of account opening
  • 0.50%* p.a. additional interest rate for senior citizens
  • Open account through any Ujjivan SFB branch or online
  • Sampoorna Nidhi advice delivered on registered email ID within 24 hours of account opening
  • Interest amount deposited to your savings account every month

Minimal Requirements

  • PAN card
  • Aadhaar card
  • Customer consent on an account opening form

Fixed Deposit ROI Calculator

Calculate the returns on your fixed deposit investment in a few seconds with our FD calculator.

How to Open a Sampoorna Nidhi Account Online

Want to invest in Ujjivan SFB Sampoorna Nidhi? Follow these simple steps to open the account online:

 

If you are a new customer

  • Visit Ujjivan SFB Sampoorna Nidhi page
  • Select 'New Customer' and complete your KYC
  • Enter FD details - amount, tenure, payout frequency, etc.
  • Pay for your deposit online

That's it! Relax and let your money work for you.

If you are an existing customer

If you are an existing Ujjivan SFB customer, you can open the Sampoorna Nidhi account through any of the following methods -

  • Internet banking
  • Mobile banking application
  • Give a missed call at 799 666 6663
  • Visit the nearest bank branch
  • Visit the online FD page and complete your KYC

Choose the online process, and the bank will send you the FD receipt to your registered email ID within 24 hours.

Need assistance? Call our 24/7 customer support for assistance or visit your nearest branch.

Ujjivan SFB Sampoorna Nidhi Interest Rates

Below mentioned are the Interest Rates with Effect from 13th Sep 2024


 

TenureInterest Rate (p.a.) (Under ₹ 3 Crores)
7 days to 29 days3.75%
30 days to 89 days4.25%
90 days to 179 days4.75%
6 months to < 9 months7.00%
9 months7.50%
9 months 1 day to < 12 months7.00%
12 months8.25%
12 months 1day to 560 days(80 weeks)8.00%
561 days to 990 days7.75%
991 days to 60 months7.20%
60 months 1 day to 120 months6.50%
Additional Interest Rate for Senior Citizens0.50%


 

You can find additional disclosures here.

Am I Eligible for Sampoorna Nidhi?

Check out our eligibility criteria before applying:

  • Status - Individuals having an existing Savings or Current Account with Ujjivan SFB
  • Nationality - Resident Indians
  • Minimum deposit - ₹25,000 and in multiples of ₹1000 thereof
  • Minimum tenure - 12 months to 60 months and in multiples of 12 months thereof
  • Age - No minimum age requirement

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FAQs

1. Is a Savings Account mandatory for the fixed deposit?

Yes, you need to have an existing Ujjivan SFB savings account to apply for Sampoorna Nidhi. The FD account will be funded through your r Savings or Current Account, and the interest will also be credited there.

2. Can the interest rate change over the deposit tenure?

Ujjivan SFB may change the interest rate at its sole discretion. However, such changes will not affect your deposit interest rate.

3. What is premature withdrawal, and when can I opt for it?

Premature withdrawal means closing the fixed deposit account before the chosen tenure comes to an end. Ujjivan SFB Sampoorna Nidhi allows premature withdrawals after a period of 6 months from the date of opening the account.

4. Can NRIs invest in Ujjivan Small Finance Bank Sampoorna Nidhi FD?

The Ujjivan Small Finance Bank Sampoorna Nidhi FD is meant only for resident Indians. As such, NRIs cannot invest in the scheme.

5. When will I get the FD advice after opening the account online?

Once you open the Sampoorna Nidhi FD account online, the FD advice will be emailed to your registered ID within 24 hours.

6. Who can apply for Sampoorna Nidhi deposit scheme?

Any resident of India having a current or savings account with Ujjivan Small Finance Bank can opt for this scheme. Please note that there is no minimum age requirement to open this account.

7. Can senior citizens earn any additional interest on their deposits?

Yes, senior citizens can get an additional interest of 0.50%* p.a. on their deposits with the Ujjivan Small Finance Bank Sampoorna Nidhi FD account.

8. Is the interest income taxable?

The interest income will be treated as taxable income based on your income tax slab. However, if you are a senior citizen, i.e., aged 60 years and above, you can claim a tax deduction of up to ₹50,000 on the interest income under Section 80TTB of the Income Tax Act of 1961.

9. How will the interest be calculated and paid under the Sampoorna Nidhi FD?

The Sampoorna Nidhi FD calculates the interest income on a monthly basis and deposits the same to your linked Savings or Current Account. This creates a regular and guaranteed monthly income for depositors.

10. What is the minimum deposit amount for Ujjivan Sampoorna Nidhi?

The minimum deposit amount is ₹25,000 and in multiples of ₹1,000 thereof. For further assistance, please call our customer care toll free number - 1800 208 2121.

Create a second income stream! Earn up to 8.75%* on Sampoorna Nidhi!

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