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.
Top Benefits of Ujjivan Sampoorna Nidhi
Minimal Requirements
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
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 -
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
| Tenure | Interest Rate (p.a.) (Under ₹ 3 Crores) |
|---|---|
| 7 days to 29 days | 3.75% |
| 30 days to 89 days | 4.25% |
| 90 days to 179 days | 4.75% |
| 6 months to < 9 months | 7.00% |
| 9 months | 7.50% |
| 9 months 1 day to < 12 months | 7.00% |
| 12 months | 8.25% |
| 12 months 1day to 560 days(80 weeks) | 8.00% |
| 561 days to 990 days | 7.75% |
| 991 days to 60 months | 7.20% |
| 60 months 1 day to 120 months | 6.50% |
| Additional Interest Rate for Senior Citizens | 0.50% |
You can find additional disclosures here.
Am I Eligible for Sampoorna Nidhi?
Check out our eligibility criteria before applying:
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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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