Unity Small Finance Bank FD Rates

Unity Small Finance Bank FD Rates vary depending on the duration and amount of the deposit . The bank is offering Fixed Deposit (FD) rates as high as 9.50% p.a. for senior citizens and 9.00% p.a. for others. Customers can choose from a range of FD tenures ranging between 7 days to 10 years, and at competitive FD interest rates as compared to other banks in the market.

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Key FD Rate Interests of Unity Small Finance Bank

Here are some of the key FD rates of interest offered by Unity Small Finance Bank:

Fixed Deposit Tenure General Citizen FD Rate (in % p.a.)
181-201 days 8.75% p.a.
1-Year 7.35% p.a.
1001 days 9.00% p.a.
3-Year 7.65% p.a.
5-Year 7.65% p.a.
10-Year 7.00% p.a.

* Updated as on 04 April 2023

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Unity Small Finance Bank FD Interest Rates in 2023

Fixed Deposit rates of interest offered by the Unity SFB to its retail investors are as follows:

FD Tenure FD Interest Rates for General Citizens (in % p.a.) FD Interest Rates for Senior Citizens (in % p.a.)
7-14 days 4.50% p.a. 4.50% p.a.
15-45 days 4.75% p.a. 4.75% p.a.
46-60 days 5.25% p.a. 5.75% p.a.
61-90 days 5.50% p.a. 6.00% p.a.
91-164 days 5.75% p.a. 6.25% p.a.
165-180 days 5.75% p.a. 6.25% p.a.
181-201 days 8.75% p.a. 9.25% p.a.
202-364 days 6.75% p.a. 7.25% p.a.
365 days 7.35% p.a. 7.85% p.a.
1 year 1 day 7.35% p.a. 7.85% p.a.
1 year 2 days- 500 days 7.35% p.a. 7.85% p.a.
501 days 8.75% p.a. 9.25% p.a.
502 days- 18 months 7.35% p.a. 7.85% p.a.
18 months 1 day- 1000 days 7.40% p.a. 7.90% p.a.
1001 days 9.00% p.a. 9.50% p.a.
1002 days- 3 year 7.65% p.a. 8.15% p.a.
3 years 1 day- 5 years 7.65% p.a. 8.15% p.a.
5 years 1 day- 10 year 7.00% p.a. 7.50% p.a.

* FD interest rates are updated as of 18 April 2023

(Note: It is suggested to get the estimate of your FD returns by using FD calculator online tool before making investment decision.)

FD interest have fallen consistently over the last 5 years.
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What is Unity Small Finance Bank FD?

Unity Small Finance Bank Fixed Deposit (FD) is a financial product offered by Unity Small Finance Bank. Under this scheme, customers can invest their money for a fixed period to receive a fixed rate of interest.

It caters to the diverse needs of its customers by providing various FD options to its customers based on their financial goals and investment objectives.

Types of Unity Small Finance Bank FDs

Unity Small Finance Bank offers the following types of Fixed Deposits:

  • Regular Fixed Deposit

  • Tax Saver Fixed Deposit

  • Senior Citizen Fixed Deposit

  • Cumulative Fixed Deposit

  • Non-Cumulative Fixed Deposit

  • Flexi Fixed Deposit

  • NRE Fixed Deposit

Features of Unity Small Finance Bank Fixed Deposits

The bank offers safe and risk-free investment options with assured returns and no market volatility on the maturity amount. 

The key features of the Unity Small Finance Bank FD scheme are:

Features Details
Flexible FD Limit Rs. 1,000 to Rs, 2 crores
Range of FD Tenures Between 7 days to 10 years
Premature Withdrawal A penalty of 1% to the FD rate for the period of deposits with the bank
Special FD Rate of Interest for Senior Citizens Old age citizens receive FD rates higher by 50 bps (0.50% p.a.) for callable fixed deposits
Overdraft Facility Allowed
Auto-Renewal of FD Permitted
FD Interest Payout Options Monthly, Quarterly, or at the End of the Tenure

In Brief

Unity Small Finance Bank offers high fixed deposit rates for special tenures. The returns from the FD interest rates can provide a stable investment option for you as compared to traditional savings accounts. 

However, it is important to note that FD rates are subject to change and depend on various factors. You should always consider your financial goals and risk appetite before investing in FDs.

FAQ's

  • Which Small Finance Bank is best for FD?

    The best small finance banks that offer high fixed deposit interest rates for specific tenures are as follows:

    Name of Small Finance Bank

    FD interest Rate for General Citizens (in % p.a.)

    FD Interest Rate for Senior Citizens (in % p.a.)

    Unity Small Finance Bank

    4.50% to 9.00%

    4.50% to 9.50%

    Suryodaya Small Finance Bank

    4.00% to 8.51%

    4.50% to 8.76%

    Utkarsh Small Finance Bank

    4.00% to 8.25%

    4.75% to 9.00%

    Fincare Small Finance Bank

    3.00% to 8.41%

    3.60% to 9.01%

  • Which bank gives 9% p.a. FD rates?

    Few NBFCS and Small Finance Banks offer high FD interest rates of 9% p.a. to their customers as of 18 April 2023, they are:
    Name of the Financial Institution FD interest Rate for General Citizens (in % p.a.) FD Interest Rate for Senior Citizens (in % p.a.)
    Unity Small Finance Bank 4.50% to 9.00% 4.50% to 9.50%
    Utkarsh Small Finance Bank 4.00% to 8.25% 4.75% to 9.00%
    Fincare Small Finance Bank 3.00% to 8.41% 3.60% to 9.01%
    Shriram Finance FD 9.10% 9.60%
  • Is Unity Small Finance Bank safe?

    Regulated by the Reserve Bank of India (RBI), Unity Small Finance Bank is a licensed bank operating in India. RBI regulates and monitors its functioning and the bank also implements various measures to ensure the safety and security of its customers' deposits. 

    For Example, it offers deposit insurance through the Deposit Insurance and Credit Guarantee Corporation (DICGC) for up to Rs. 5 lakhs per depositor.

  • Is Unity Small Finance Bank under RBI?

    Yes, Unity SFB is regulated by the Reserve Bank of India (RBI). As a licensed small finance bank, Unity Small Finance Bank is required to comply with the prudential norms, maintain adequate capital reserves, and follow customer protection regulations as issued by the RBI.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023

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