Unity Small Finance Bank Savings Account interest rates · November 2026
What would I earn at Unity?
Enter a whole-rupee balance from ₹1 to ₹10 crore.
How this estimate works
Estimates use a steady balance and simple annual interest. Where the published bands give different results, we show two estimates: applying rates to each portion of the balance, and applying the selected rate to the entire balance. Confirm the method with the bank. The comparison table below uses its existing whole-balance estimate with quarterly compounding, so its figures can differ.
For insured banks, DICGC coverage for eligible deposits includes principal and accrued interest, up to ₹5 lakh across deposits held at the same bank in the same right and capacity. Deposit insurance details ↗
What if I put some in a 1-year FD?
Estimates are before tax. Check early withdrawal terms before choosing an FD.
Showing 1 of 3 rates.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
Any tenure Upto 1 lakh |
4.50% | 4.50% | Upto 1 lakh | 1 Aug 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
Any tenure >1 lakh-5 lakh |
6.00% | 6.00% | >1 lakh-5 lakh | 1 Aug 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
Any tenure >5 lakh |
7.00% | 7.00% | >5 lakh | 1 Aug 2026 ✓ verified 13 Nov 2026 | official fetched 25 Oct 2026 |
No rates match these filters.
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How much should I keep accessible?
Use your usual balance to compare savings interest, or test keeping some money accessible and putting the rest in an FD.
See balance examples
Unity savings account return examples
| Balance | Rate | Interest | Per month |
|---|---|---|---|
| ₹10,000 | 4.50% | ₹458a year | ₹38a month |
| ₹50,000 | 4.50% | ₹2,288a year | ₹191a month |
| ₹10 lakh | 7.00% | ₹71,859a year | ₹5,988a month |
| ₹25 lakh | 7.00% | ₹1,79,648a year | ₹14,971a month |
Open a figure in the savings calculator. Darker shade = higher rate. These examples use the published rate on the whole balance and quarterly compounding. Some banks apply each rate only to the portion of the balance in its band. Rates as of 14 Nov 2026. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
Before you book
Unity Savings: frequently asked questions
What is the highest Unity Savings interest rate?
As of 14 Nov 2026, Unity Small Finance Bank offers up to 7.00% p.a. on its savings account (>5 lakh) for general customers. Rates below are as published by the bank. Confirm with Unity before investing.
When did Unity last change its Savings rates?
RateScan.in has recorded no change to Unity Small Finance Bank's savings account rates since it started tracking them on 25 Oct 2026.
Does Unity pay different savings account rates by deposit size?
Yes. Unity Small Finance Bank's table lists separate bands: Upto 1 lakh; >1 lakh-5 lakh; >5 lakh. Each row shows the band it applies to.
Is my savings account 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 1 Aug 2026. Rates can change without notice, so verify on the official Unity website before investing.
More Unity rates
Savings 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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