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Unity Small Finance Bank FD Rates

Home Fixed Deposit Unity Small Finance Bank FD Rates

Unity Small Finance Bank offers FD interest rates of 4.50-9.00% p.a. to the general public and 4.50-9.50% p.a. to senior citizens on tenures ranging from 7 days to 10 years. Unity Small Finance Bank has been recognised as a scheduled bank by the RBI, which makes its depositors eligible for deposit insurance provided by the Depositor Insurance and Credit Guarantee Corporation (DICGC). 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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Book SBM Bank FD @6.5%* p.a.

& Get a Lifetime Free Step Up Credit Card

  • Safe & Secure FD, Insured by RBI

  • No Savings A/c Required

  • FD Starts from Rs 2000

  • Card Limit = FD Amount

*Rates are subject to change as per the bank's discretion.

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Updated: 04-12-2023 13:03:27 PM

Unity Small Finance Bank FD Interest Rates (p.a.) Highlights 2023
Highest slab rate 9.00% (for 1001 days)
For 1 year 7.35%
For 2 years 7.40%
For 3 years 7.65%
For 4 years 7.65%
For 5 years 7.65%

The interest rates are updated as of 4 December 2023

Earn 6.5% p.a. on your FD & Get a lifetime free Step Up Credit Card

  • Card limit is 100% of FD Amount

  • Instant Virtual Card

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stepup 6.5%INTEREST ON FD

Unity Small Finance Bank FD Interest Rates 2023

Unity Bank Fixed Deposit Rates on Domestic deposits of less than Rs 2 crore w.e.f. 9 October 2023

Tenure Interest Rates (% p.a.)
Regular Customers Senior Citizens
7 days to 14 days 4.50 4.50
15 days to 45 days 4.75 4.75
46 days to 60 days 5.25 5.75
61 days to 90 days 5.50 6.00
91 days to 164 days 5.75 6.25
165 days to 6 months 5.75 6.25
Above 6 months to 201 days 8.75 9.25
202 days to 364 days 6.75 7.25
1 year 7.35 7.85
1 year 1 day 7.35 7.85
Above 1 year 1 day to 500 days 7.35 7.85
501 days 8.75 9.25
502 days to 18 months 7.35 7.85
Above 18 months to 700 days 7.40 7.90
701 days 8.95 9.45
702 days to 1000 days 7.40 7.90
1001 days 9.00 9.50
1002 days to 3 years 7.65 8.15
Above 3 years to 5 years 7.65 8.15
Above 5 years to 10 years 7.00 7.50

Looking for Higher FD rates? Book an FD @6.5% p.a. and get a lifetime free credit card

  • FDs of up to ₹5 lakhs insured by RBI

  • No hassle of opening a saving account

  • No documentation

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Features of Unity Small Finance Bank Fixed Deposits

  • Minimum deposit: Rs 1,000
  • Tenure: 7 days to 5 years
  • Senior citizen FD depositors get an additional 0.50% p.a. interest rates over and above regular fixed deposit rates offered to regular citizens.
  • 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
  • Depositors can avail overdraft facility against their FDs
  • Depositors are allowed to 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 actually run.
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FD Calculator

FD Calculator can be used to check the interest and maturity amount that the depositor shall get on maturity. Since FD interest rates keep on changing, it is highly advisable to check the maturity amount as per the prevailing interest rates before investing in a fixed deposit.

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