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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Safe & Secure FD, Insured by RBI
No Savings A/c Required
FD Starts from Rs 2000
Card Limit = 90% of FD
*Rates are subject to change as per the bank's discretion.
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Unity Small Finance Bank FD Interest Rates (p.a.) Highlights 2024 |
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| Highest slab rate | 9.00% (for 1001 days) |
| For 1 year | 7.85% |
| For 2 years | 7.90% |
| For 3 years | 8.15% |
| For 4 years | 8.15% |
| For 5 years | 8.15% |
The interest rates are updated as of 18 November 2024
Card limit is 90% of FD Amount
Instant Virtual Card
7%INTEREST ON FD
| 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 | 5.75 | 6.25 |
| 61 days to 90 days | 6.00 | 6.50 |
| 91 days to 164 days | 6.25 | 6.75 |
| 165 days to 6 months | 6.25 | 6.75 |
| Above 6 months to 201 days | 8.25 | 8.75 |
| 202 days to 364 days | 7.25 | 7.75 |
| 1 year | 7.85 | 8.35 |
| 1 year 1 day | 7.85 | 8.35 |
| Above 1 year 1 day to 500 days | 7.85 | 8.35 |
| 501 days | 8.75 | 9.25 |
| 502 days to 18 months | 7.85 | 8.35 |
| Above 18 months to 700 days | 7.90 | 8.40 |
| 701 days | 8.75 | 9.25 |
| 702 days to 1000 days | 7.90 | 8.40 |
| 1001 days | 9.00 | 9.50 |
| 1002 days to 3 years | 8.15 | 8.65 |
| Above 3 years to 5 years | 8.15 | 8.65 |
| Above 5 years to 10 years | 7.50 | 8.00 |
FDs of up to ₹5 lakhs insured by RBI
No hassle of opening a saving account
No documentation
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Customers planning to open an FD with the bank can visit online financial marketplaces like Paisabazaar and use 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.
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