Utkarsh Small Finance Bank offers attractive Fixed Deposit (FD) options for various tenures, ranging from 7 days to 10 years. They read more are known for providing competitive interest rates, which are typically higher than many larger banks, especially for senior citizens who receive an additional 0.50% to 0.60% interest.

Key features include a minimum deposit amount of ₹1,000, flexible interest payout options (monthly, quarterly, or at maturity), and a premature withdrawal facility (with a 1% penalty, not applicable if withdrawn within 7 days). Utkarsh Bank also offers a "Tax Saver Fixed Deposit" with a 5-year lock-in period, providing tax benefits under Section 80C, and a "Fixed Deposit Plus" for higher deposit amounts with potentially better rates.