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हिंदी में पढ़े
The deposit insurance cover from DICGC, an RBI subsidiary, insures cumulative deposits up to Rs 5 lakh made by each depositor, including his fixed deposits, savings, current, and recurring deposits, in each scheduled bank in case of the failure or merger/amalgamation of a scheduled bank.
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Unity Small Finance Bank FD Interest Rates (p.a.) Highlights |
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| Highest slab rate | 6.75% (for 501 days to 5 years) |
| For 1 year | 6.50% |
| For 2 years | 6.75% |
| For 3 years | 6.75% |
| For 4 years | 6.75% |
| For 5 years | 6.75% |
The interest rates are updated as of 22 December 2025
Book FDs at Interest rate upto 8.00% p.a
Manage all FDs in one place
No Bank A/C Required
Unity Small Finance Bank FD Interest Rates
Unity Bank Fixed Deposit Rates on Domestic deposits of less than Rs 3 crore w.e.f. 19 August 2025
| Tenure | Interest Rates (% p.a.) | |
| Regular Customers | Senior Citizens | |
| 7 days to 14 days | 4.00 | 4.00 |
| 15 days to 45 days | 4.00 | 4.00 |
| 46 days to 60 days | 4.75 | 5.25 |
| 61 days to 90 days | 5.00 | 5.50 |
| 91 days to 164 days | 5.00 | 5.50 |
| 165 days to 6 months | 5.50 | 6.00 |
| Above 6 months to 201 days | 6.25 | 6.75 |
| 202 days to 364 days | 6.25 | 6.75 |
| 1 year | 6.50 | 7.00 |
| 1 year 1 day | 6.50 | 7.00 |
| Above 1 year 1 day to 500 days | 6.50 | 7.00 |
| 501 days | 6.75 | 7.25 |
| 502 days to 18 months | 6.75 | 7.25 |
| Above 18 months to 700 days | 6.75 | 7.25 |
| 701 days | 6.75 | 7.25 |
| 702 days to 1000 days | 6.75 | 7.25 |
| 1001 days | 6.75 | 7.25 |
| 1002 days to 3 years | 6.75 | 7.25 |
| Above 3 years to 5 years | 6.75 | 7.25 |
| Above 5 years to 10 years | 6.00 | 6.50 |
Features of Unity Small Finance Bank Fixed Deposits
- Minimum deposit: Rs 1,000
- Tenure: 7 days to 5 years
- Monthly and quarterly interest payout options are available
- Depositors also have the option of receiving interest payout at maturity
- Additional senior citizen FD interest rates (0.50% p.a.) are only offered for a tenure ranging from 46 days to 10 years. The additional interest rates are not applicable to Non-Resident Individuals (NRIs)
- Depositors can avail overdraft facility against their FDs
- The bank also offers NRO and NRE Fixed Deposits accounts for NRIs
- NRE Fixed Deposit can be accepted for a minimum tenure of 1 year and above
- Depositors can avail loan against FD. The bank charges a 1% interest rate above the applicable FD interest rates.
Premature Withdrawal of Fixed Deposits
- Depositors can prematurely withdraw fixed deposits. The interest rate payable on premature withdrawal of deposits would be the corresponding deposit rate minus 1% for the duration for which the FD has run.
- No interest will be paid to the account holder in case of premature withdrawal of NRE fixed deposit before completion of 1 year
FD Calculator
Customers planning to open an FD with the bank can visit online financial marketplaces like Paisabazaar and use the FD calculator to calculate the maturity based on the deposit amount, FD interest rates and tenure. The fixed deposit calculator can help depositors calculate and compare maturity amounts and interest income after considering Unity Small Finance Bank FD features like tenure, interest rate and payout options with various banks and NBFCs/HFCs.