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Start your Digital FD in minutes — fast,
secure, and paperless
Attractive interest rate up to 8.50 %
Book your FD Instantly
100% Secure (as per DICGC)
Benefits of Digital FD
Experience the convenience of our Digital Fixed Deposits
Instant FD booking
Start earning higher returns instantly with easy FD booking
100% paperless process
Open FDs from home — no paperwork or branch visit needed
Earn competitive interest rate
Enjoy returns up to 8.50% p.a., better than regular bank FDs
Additional 0.5% for senior citizens
Senior citizens get extra interest on every FD booked
Additional Features
Simplify your investment journey with feature -rich digital fixed deposits that offer security, flexibility and attractive returns
How to open Digital FD
Simple steps to open your high-interest Digital FD with Utkarsh Small Finance Bank
How to open Digital FD
Simple steps to open your high-interest Digital FD with Utkarsh Small Finance Bank
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Register online
Register with your mobile number & Aadhaar
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Enter your details
Fill your personal details as per PAN & Aadhaar
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Set up your FD
Choose your deposit amount, tenure, and interest payout frequency.
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Make payment
Transfer funds from any bank account to activate your FD.
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Complete VKYC
Verify your identity with Video KYC for a paperless experience.
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Get your FD receipt
Receive your digital FD receipt instantly on your registered email.