Unity Small Finance Bank Fixed Deposit interest rates · November 2026
What will my FD earn at Unity?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 to 45 Days 2 slabs at this rate |
4.00% | 4.00% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
46 - 60 Days |
4.75% | 5.25% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
61 to 164 Days 2 slabs at this rate |
5.00% | 5.50% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
165 Days - 6 Months |
5.50% | 6.00% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
> 6 Months to 364 Days 2 slabs at this rate |
6.25% | 6.75% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
12 Months |
7.50% | 8.00% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
>12 Months 1 Day - 500 Days |
6.50% | 7.00% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
501 Days 501-day Special |
8.00% | 8.50% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
502 Days to 700 Days 2 slabs at this rate |
6.75% | 7.25% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
701 Days 701-day Special |
6.75% | 7.25% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
702 Days to 60 Months 4 slabs at this rate |
6.75% | 7.25% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
>60 Months- 120 Months |
6.00% | 6.50% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
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Unity FD return examples
Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
FD rates by tenure
1 year
7.50%Before you book
Unity Fixed Deposit: frequently asked questions
What is the highest Unity Fixed Deposit interest rate?
As of 14 Nov 2026, Unity Small Finance Bank offers up to 8.00% p.a. on its fixed deposit (FD) (501 Days) for general customers and 8.50% p.a. (501 Days) for senior citizens. Rates below are as published by the bank. Confirm with Unity before investing.
What is the Unity 1-year FD interest rate?
As of 14 Nov 2026, Unity Small Finance Bank offers 7.50% p.a. on a 1-year FD for general customers and 8.00% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 15 Jul 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Unity 2-year FD interest rate?
As of 14 Nov 2026, Unity Small Finance Bank offers 6.75% p.a. on a 2-year FD for general customers and 7.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 15 Jul 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Unity 3-year FD interest rate?
As of 14 Nov 2026, Unity Small Finance Bank offers 6.75% p.a. on a 3-year FD for general customers and 7.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 15 Jul 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the Unity 5-year FD interest rate?
As of 14 Nov 2026, Unity Small Finance Bank offers 6.75% p.a. on a 5-year FD for general customers and 7.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 15 Jul 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Unity?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Unity Small Finance Bank, depending on the tenure.
When did Unity last change its Fixed Deposit rates?
RateScan.in has recorded no change to Unity Small Finance Bank's fixed deposit (FD) rates since it started tracking them on 25 Oct 2026.
What fixed deposit (FD) tenures does Unity offer?
Unity Small Finance Bank's published fixed deposit (FD) rate table has 17 tenure bands, from “7 - 14 Days” to “>60 Months- 120 Months”.
Does Unity have special fixed deposit (FD) schemes?
Unity Small Finance Bank's rate table lists these named schemes (2): 501-day Special; 701-day Special. Check eligibility and end dates with the bank.
Does Unity pay more than the Post Office Time Deposit?
Unity Small Finance Bank pays more than the Post Office Time Deposit at 1 of 4 standard tenures compared (general rates). Rates: 1y 7.50% (PO 6.90%), 2y 6.75% (PO 7.00%), 3y 6.75% (PO 7.10%), 5y 6.75% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Unity's 1-year FD rate rank?
Unity Small Finance Bank's 1-year general FD rate of 7.50% ranks #105 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
Is my fixed deposit (FD) with Unity insured?
Deposits with Unity Small Finance Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Unity rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 15 Jul 2026. Rates can change without notice, so verify on the official Unity website before investing.
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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.
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