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  • Unity Small Finance Bank Fixed Deposit (FD) Interest Rates 2025
Unity Small Finance Bank Fixed Deposit (FD) Interest Rates 2025

Unity Small Finance Bank Fixed Deposit (FD) Interest Rates 2025

PrivateA 
Shield CheckDICGC

6.8%

Interest for 3 years

Unity Small Finance Bank FD Interest Rates 2025

TenureNormal Citizen FD RateSenior Citizen FD Rate
7 days - 1 month 14 days4%4%
1 month 15 days - 1 month 29 days4.8%5.3%
1 month 30 days - 5 months 13 days5%5.5%
5 months 14 days - 5 months 29 days5.5%6%
5 months 30 days - 11 months 29 days6.3%6.8%
1 year - 1 year 4 months 14 days6.5%7%
1 year 4 months 15 days - 4 years 11 months 29 days6.8%7.3%
5 years - 9 years 11 months 28 days6%6.5%

Note: All interest rates shown above are as on 1st Jan 1970

About Unity Small Finance Bank FD

Unity SFB was licensed by the RBI and began operations in November 2021. It offers Fixed Deposits starting from as little as ₹1,000 and provides tenures from 7 days to 10 years. The bank enjoys a credit-grade issuer rating of [ICRA] A (Stable), and has a short-term CD programme rated [CRISIL] A1+. Deposit insurance by DICGC covers up to ₹5 lakh per depositor. Some public slabs reference FD limits up to ₹2 crores or higher bulk slabs, but there is no universally published “max deposit cap” in crores.

Unity Small Finance Bank FD

4% - 6.8%

FD Rate

4% - 7.3%

FD Rate for Seniors

₹ 1000

Minimum Deposit

-

Maximum Deposit

-

Lock-in

-

FD Tenure

-

Loan against FD

A

CRISIL Rating

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Unity Small Finance Bank FD Returns Based on Investment Amount

Investment AmountFor 3 years with interest of 6.8%For 5 years with interest of 6.8%
₹ 50,000₹ 61,280₹ 70,180
₹ 1 lakh₹ 1,22,559₹ 1,40,360
₹ 2 lakh₹ 2,45,118₹ 2,80,720
₹ 5 lakh₹ 6,12,796₹ 7,01,800
₹ 10 lakh₹ 12,25,592₹ 14,03,600

Compare Unity Small Finance Bank Fixed Deposit Returns with Top Banks

Use FD calculator to change values and compare your returns from top banks.

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Unity Small Finance Bank FD
Unity Small Finance Bank FD
Maturity Amount₹ 1,06,697₹ 1,07,069
Total Investment Amount₹ 1,00,000₹ 1,00,000
Total Interest Gained₹6,697₹ 7,069

Compare Unity Small Finance Bank Fixed Deposit Rates with Top Banks

Bank NameFD Interest Rates
lic-housing.png
LIC Housing Finance FD		6.85% - 7.1%
aryavart-bank.png
Aryavart Bank FD		6.5% - 7%
pnbhfl.png
PNB HFL FD		7.1% - 7.35%
dakshin-bihar-gramin-bank.png
Dakshin Bihar Gramin Bank FD		7% - 7%
au-small-bank.png
AU Small Finance Bank FD		7.1% - 7.6%
uttarbanga-kshetriya-gramin-bank.png
Uttarbanga Kshetriya Gramin Bank FD		5.15% - 5.15%
pnb.png
Punjab National Bank FD		6.4% - 6.9%
tmb.png
Tamilnad Mercantile Bank FD		6.6% - 7.1%
jharkhand-rajya-gramin-bank.png
Jharkhand Rajya Gramin Bank FD		6.5% - 6.75%
puduvai-bharathiar-grama-bank.png
Puduvai Bharathiar Grama Bank FD		6.5% - 7%

Calculate Unity Small Finance Bank FD Returns

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₹1,00,000

Total Investment

6,697

Wealth Gained

₹1,06,697

Maturity Amount

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Frequently Asked Questions

What is the highest Unity Small Finance Bank FD rate today?

The highest Unity Small Finance Bank FD rates for general citizens is 6.8% p.a. and 7.3% p.a. for senior citizens.

What is the highest interest rate on Unity Small Finance Bank 1 year FD scheme?

The highest interest rate on Unity Small Finance Bank 1 year FD scheme is 6.5% p.a.

What is Unity Small Finance Bank FD scheme interest rate for 5 years?

6.8% p.a is the interest rate for 5 years on Unity Small Finance Bank FD scheme.

How many years FD will double in Unity Small Finance Bank?

To know in how many years Unity Small Finance Bank Bank FD will double, we can follow the 72 rule. We have to divide 72 by the interest rate, and the result will be the number of years Unity Small Finance Bank Bank FD will double. The current highest Unity Small Finance Bank FD interest rate is 6.8% so investors will double the investment in 10.59 years. Similarly, senior citizen depositors will double their FD investment in 9.86 years, where the highest FD rate for senior citizens is 7.3%.

What is Unity Small Finance Bank FD minimum deposit amount?

The minimum investment in Unity Small Finance Bank FD is INR 1,000. However, there is no limit on the maximum amount of investment in Unity Small Finance Bank FD.

What is senior citizen fixed deposit interest rates in Unity Small Finance Bank?

The senior citizen fixed deposit interest rates in Unity Small Finance Bank range between 4% to 7.3% p.a. for an available minimum and maximum investment duration.

What are the available FD tenures in Unity Small Finance Bank?

Unity Small Finance Bank FD tenure ranges from 7 days to 9 years 11 months 28 days

What is Unity Small Finance Bank FD ROI for 10 lakh deposit for 1 year?

The interest from the Unity Small Finance Bank FD calculator for 10 lakh deposit for 1 year will be INR 66,972. The maturity value will be INR 10,66,972. You can use Scripbox’s FD Calculator to determine the maturity value of your investment.

How to check the fixed deposit balance in Unity Small Finance Bank?

You can check Unity Small Finance Bank FD balance either online or offline mode. For online mode, log in to the Unity Small Finance Bank internet banking portal. Alternatively, you can visit the nearest Unity Small Finance Bank bank to update your passbook for FD balance enquiry.

How many FDs can be opened in Unity Small Finance Bank?

There is no restriction on the number of FDs you can open with Unity Small Finance Bank.