Unity Small Finance Bank Recurring Deposit interest rates · November 2026
Plan your recurring deposit at Unity
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.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
6 Months |
5.50% | 6.00% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
9 Months |
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 |
15 Months |
6.50% | 7.00% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
18 Months |
6.75% | 7.25% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
21 Months |
6.75% | 7.25% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
24 Months |
6.75% | 7.25% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
27 Months |
6.75% | 7.25% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
30 Months |
6.75% | 7.25% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
33 Months |
6.75% | 7.25% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
>36 Months – 60 months |
6.75% | 7.25% | Below ₹3 crore (retail) | 15 Jul 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
>60months- 120months |
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 RD return examples
Open a figure in the RD calculator. Darker shade = higher rate. ★ marks the highest rate for that amount. Deposits are paid at the start of each month, with quarterly compounding. Rates as of 14 Nov 2026. Confirm the current rate with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
Before you book
Unity Recurring Deposit: frequently asked questions
What is the highest Unity Recurring Deposit interest rate?
As of 14 Nov 2026, Unity Small Finance Bank offers up to 7.50% p.a. on its recurring deposit (RD) (12 Months) for general customers and 8.00% p.a. (12 Months) for senior citizens. Rates below are as published by the bank. Confirm with Unity before investing.
Do senior citizens get higher Recurring 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 Recurring Deposit rates?
RateScan.in has recorded no change to Unity Small Finance Bank's recurring deposit (RD) rates since it started tracking them on 25 Oct 2026.
What recurring deposit (RD) tenures does Unity offer?
Unity Small Finance Bank's published recurring deposit (RD) rate table has 12 tenure bands, from “6 Months” to “>60months- 120months”.
Is my recurring deposit (RD) 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.
More Unity rates
Recurring Deposit rates at other banks
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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