Unity Small Finance Bank Interest Rates November 2026: FD, RD & Savings

Unity FD rates

1 year7.50%Senior 8.00%3 years6.75%Senior 7.25%5 years6.75%Senior 7.25%

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What will my FD earn at Unity?

Deposit amount (₹)

Term

Customer

Estimated value after 1 year · before tax ₹5,38,568 7.50% p.a. · ₹38,568 interest · quarterly compounding

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Plan your recurring deposit at Unity

Monthly deposit (₹)

Term

Customer

—

Before opening an RD

Estimates assume on-time monthly installments and quarterly compounding. Confirm the term, minimum installment, late payment rules, and early closure terms with the bank.

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Overview

Unity Small Finance Bank (Unity) is a small finance bank, headquartered in New Delhi, established in 2021. Its headline 1-year FD rate of 7.50% is 0.67% above the small finance bank average of 6.83%, ranking #105 of 1033 banks on RateScan.in.

Headquarters

New Delhi

Established

2021

Monitored since

25 Oct 2026

Ownership

Private (small finance bank)

Operates in

Andhra Pradesh, Bihar, Chhattisgarh, Delhi + 16 more states

Financial health

CRAR

22.80%

Capital adequacy

Net NPA

3.20%

Bad loans (net)

Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.

Rates as of 15 Jul 2026, verified from official source. Scheduled small finance bank (RBI-licensed): deposits insured by DICGC up to ₹5,00,000.

RBI record

No RBI press release since 1 Jan 2024 names Unity Small Finance Bank. We read RBI's press releases every week; last checked on 11 Nov 2026.

This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.

Branches

348 branches in 113 districts

Most branches: Mumbai 39, Thane 28, Bengaluru Urban 16

From RBI's IFSC directory (updated 1 Nov 2026). Counts can include recently merged or closed branches; check the bank's branch locator before visiting.

Unity rates

Every rate, tenure by tenure, and what your money grows to.

Fixed Deposit8.00%Senior citizens 8.50% · 501 daysSee rates →Recurring Deposit7.50%12 monthsSee rates →Savings Account7.00%See rates →NRE Fixed Deposit8.00%501 daysSee rates →

Compare Unity FD rates with banks near you →

Unity Fixed Deposit rate changes

Changes to Unity's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 25 Oct 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.

No change to Unity's fixed deposit (FD) rates has been recorded since tracking started on 25 Oct 2026.

Credit rating

What independent credit rating agencies say about Unity Small Finance Bank. Every rating links to the document it comes from, so you can check it yourself.

Agency	Instrument	Rating	Outlook	Published	Source
CRISIL	Certificates of deposit (short-term) ₹360 cr	A1+	–	Reaffirmed 31 Jul 2026	Agency rationale
ICRA	Issuer rating ICRA withdrew its issuer rating of A- (Stable) on 21 July 2026	A-	Stable	Withdrawn 21 Jul 2026	Agency rationale

Note: Unity's only outstanding rating we found is CRISIL's short-term A1+ on certificates of deposit. ICRA withdrew its long-term issuer rating in July 2026.

How to read these ratings

Scale: AAA is the highest long-term grade (lowest credit risk), then AA (very low risk), A (low risk) and BBB (moderate risk, the lowest investment grade). A + or − moves a grade up or down a notch. Short-term ratings such as A1+ cover obligations of up to a year.
Outlook: Stable, Positive or Negative is the agency's view of where the rating is likely to go over the next one to two years. Rating watch means the agency is reviewing the rating after a specific event, such as a change of owner.
Instrument: a rating belongs to a specific instrument, not to the whole bank. Tier I (AT1) and Tier II bonds can be written down if the RBI declares a bank non-viable, so they are usually rated no higher than the bank's deposits.
Headline grade: we use the rating on fixed deposits where an agency gives one; otherwise the issuer or Tier II rating. We take each agency's latest rating and show the lowest, so the headline is never more generous than any agency's latest view.
A rating is an opinion about the ability to repay on time. It is not a guarantee or a recommendation. Whatever the rating, deposits in a bank are insured by DICGC up to ₹5 lakh per depositor per bank (principal and interest together).

Sources: we list a rating only when we can point to the document that states it: the agency's own rating rationale, the bank's Regulation 30 filing on the NSE or BSE, a rating letter, or the bank's own rating page. A weekly automated check re-opens each linked document to confirm it still shows the grade and scans stock-exchange announcements for new rating filings. Last checked: 9 Nov 2026.

Check it yourself: CRISIL · ICRA · CARE · India Ratings · Infomerics

Ratings change. Confirm the current rating with the agency before you invest. This is information, not investment advice.

Good to know

Deposits with Unity Small Finance Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
Unity is a small finance bank licensed and regulated by the RBI.
Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Unity, depending on the tenure.
Unity's FD table includes 2 special schemes; check eligibility and end dates.

Informational only. Always confirm the current rate on the official Unity website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.

Unity Small Finance Bank interest rates · November 2026