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Unity Small Finance Bank FD Rates
The Unity Small Finance Bank fixed deposit rates range from 4.00% p.a. to 8.00% p.a. for the general public and 4.00% p.a. to 8.50% p.a. for senior citizens, effective from 15th July, 2026. The tenure for fixed deposits ranges from 7 days to 10 years for domestic deposits below ₹3 crore.
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- Unity Small Finance Bank FD Rates
Key Unity Small Finance FD Interest Rates
The highest rate of Unity Small Finance Bank fixed deposit is on the tenure of 501 days, 8.00% p.a. for general citizens and 8.50% p.a. for senior citizens, effective from 15th July, 2026 (last verified in September)
| Tenure | General Citizen FD Rates (p.a.) | Senior Citizen FD Rates (p.a.) |
|---|---|---|
| 7 - 14 Days | 4.00% | 4.00% |
| 15 - 45 Days | 4.00% | 4.00% |
| 46 - 60 Days | 4.75% | 5.25% |
| 61 - 90 Days | 5.00% | 5.50% |
| 91 - 164 Days | 5.00% | 5.50% |
| 165 Days - 6 Months | 5.50% | 6.00% |
| > 6 Months - 201 Days | 6.25% | 6.75% |
| 202 - 364 Days | 6.25% | 6.75% |
| 12 months | 7.50% | 8.00% |
| 12 Months – 1 Day | 6.50% | 7.00% |
| >12 Months 1 Day - 500 Days | 6.50% | 7.00% |
| 501 Days | 8.00% (Highest) | 8.50% (Highest) |
| 502 Days - 18 Months | 6.75% | 7.25% |
| > 18 Months - 700 Days | 6.75% | 7.25% |
| 701 Days | 6.75% | 7.25% |
| 702 Days – 998 Days | 6.75% | 7.25% |
| 999 Days to 34 Months | 6.75% | 7.25% |
| >34 Months - 36 Months | 6.75% | 7.25% |
| >36 Months - 60 Months | 6.75% | 7.25% |
| >60 Months- 120 Months | 6.00% | 6.50% |
*Unity Small Finance Bank FD Rates w.e.f. July 15, 2026.
Important Details: Unity Small Finance Bank FD Interest Rates:
| Features | Details |
|---|---|
| Interest Rates | 4.00% p.a. to 8.00% p.a. for general citizens | 4.00% p.a. to 8.50% p.a. for senior citizens |
| Highest Yield Scheme | 8.00% p.a. (General Citizens) and 8.50% p.a. (Senior Citizens) on a 501-day FD |
| Minimum FD Limit | ₹1,000 |
| Senior Citizen Benefits | Additional 0.50% p.a. extra on general citizen rates |
| Tenure Range | 7 days to 10 years. |
| Loan Against FD | Available, 1% higher than your applicable FD interest rate. |
| Sweep-in/Sweep-out | No, they do not provide this facility |
| Secure Credit Options | This facility is available through the Unity Small Finance FD-backed credit card |
How are Unity Small Finance Bank FD Interest Rates Decided?
Unity Small Finance Bank decides its fixed deposit interest rates using a few core decisions:
- Raising Lending Capital: As a newer bank, offering higher returns helps it gather funds quickly to build out its loan business.
- Standing Out from Top Banks: Higher rates give depositors a strong reason to choose them over traditional banks like SBI, HDFC and other banks’ FD rates.
- Promotional Tenures: Rates are customised by lock-in period, offering high returns on specific terms (like 501 days) to encourage longer deposits.
- Deposit Size: Pricing scales differently for standard individual deposits (under ₹3 crore) compared to large corporate deposits.
- Central Bank Compliance: Every rate adjustment operates within safety parameters mandated by the Reserve Bank of India (RBI).
Callable Bulk Deposit Rates (Above 3 crore, below 5 Crore)
The highest interest rate of Unity Small Finance Bulk deposit above 3 crore to below 5 crore is on the tenure of 12 Months to 1 Day up to 8.20% p.a. for general citizens and 8.70% p.a. for senior citizens, effective from 21st August, 2026 (last verified in September):
| Tenure | General Citizen FD Rates (p.a.) | Senior Citizens FD Rates (p.a.) |
|---|---|---|
| 7 - 14 Days | 5.00% | 5.00% |
| 15 - 45 Days | 5.00% | 5.00% |
| 46 - 60 Days | 4.75% | 4.75% |
| 61 - 90 Days | 6.00% | 6.00% |
| 91 - 164 Days | 5.50% | 5.50% |
| 165 Days - 6 Months | 5.00% | 5.00% |
| > 6 Months - 201 Days | 6.00% | 6.50% |
| 202 Days - 364 Days | 6.00% | 6.50% |
| 12 Months | 7.00% | 6.50% |
| 12 Months – 1 Day | 8.20% (Highest) | 8.70% (Highest) |
| >12 Months 1 Day – 500 Days | 6.00% | 6.50% |
| 501 Days | 6.00% | 6.50% |
| 502 Days - 18 Months | 6.00% | 6.50% |
| > 18 Months - 700 Days | 6.00% | 6.50% |
| 701 Days | 6.00% | 6.50% |
| 702 Days – 998 Days | 6.00% | 6.50% |
| 999 Days to 34 Months | 6.00% | 6.50% |
| >34 Months - 36 Months | 6.00% | 6.50% |
| >36 Months - 60 Months | 6.00% | 6.50% |
| >60 Months- 120 Months | 6.00% | 6.50% |
* Unity Small Finance Bank FD Rates w.e.f. Aug 21, 2026,
Interest Rates for Unity Small Finance Bank Tax-Saving FD
Unity Small Finance Bank offers a 5-year tax-saving fixed deposit earning 6.00% p.a. for general citizens and 6.50% p.a. for senior citizens. You can start with a minimum deposit of ₹1,000 to claim tax deductions of up to ₹1.5 lakh under Section 123 of the Income Tax Act, 2025.
FAQs
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Is Unity Small Finance Bank under the 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. -
What are the latest interest rates for Unity Small Finance Bank?
The latest Unity Small Finance Bank FD Rates range from 4.00% per annum to 8.00% per annum for general citizens and from 4.00% per annum to 8.50% per annum for senior citizens. -
What are the Unity Small Finance Bank FD Rates for senior citizens?
Senior citizens' fixed deposit interest rates range from 4.00% p.a. to 8.00% p.a. for deposits of up to 3 crore with a tenure of 1 year. -
What is the minimum and maximum tenure for Unity Small Finance Bank FD?
The minimum tenure is 7 days, and the maximum is 10 years. -
Does Unity Small Finance Bank FD have an Overdraft facility?
Yes, Unity Small Finance Bank offers an overdraft facility on its fixed deposits. -
What are the benefits for Senior Citizens under Unity Small Finance Bank FD?
Unity Small Finance Bank offers an additional 0.66% interest rate to senior citizens on its FDs.
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
##The Guaranteed Returns are dependent on the policy term and premium term availed along with other variable factors. 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and a premium term of 10 years with ₹5,00,000 annually installment premium. All plans listed here are from insurance companies’ funds.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ