Unity Small Finance Bank FD Interest Rates

Unity Small Finance Bank has been operational since November 2021. It is one of India’s fastest-growing small finance banks with over ₹11,000 crore in deposits and 18+ lakh customers. 

The bank offers competitive FD interest rates in the market today. It runs various schemes, such as regular FDs, senior citizen FDs, and callable and non-callable bulk deposit schemes. Are you also looking to grow your savings with safe + fixed returns?

In this article, let’s check out the latest Unity Small Finance Bank FD rates. Also, we will see some key features of Unity Bank FDs.

Latest Unity Small Finance Bank FD Rates 2025

Unity Small Finance Bank offers a tiered FD rate structure. You can book FDs of various tenures that offer highly competitive returns. Let’s have a look at the Unity Small Finance Bank FD rates 2025 for regular investors (below 60 years of age):

Tenure	General FD Rate (% p.a.)
7 - 14 Days	4.00%
15 - 45 Days	4.00%
46 – 60 Days	4.75%
61 – 90 Days	5.00%
91 – 164 Days	5.00%
165 Days – 6 Months	5.50%
> 6 Months – 201 Days	6.25%
202 – 364 Days	6.25%
1 Year	6.50%
1 Year 1 Day	6.75%
> 1 Year 1 Day – 500 Days	6.75%
501 Days	7.00%
502 Days – 18 Months	6.75%
> 18 Months – 700 Days	6.75%
701 Days	7.25%
702 Days – 1000 Days	6.75%
1001 Days	7.75% (Highest)
1002 Days – 3 Years	7.25%
> 3 Years – 5 Years	7.25%
> 5 Years – 10 Years	7.00%

Note: The above rates are applicable as of July 23, 2025, for retail investors depositing below ₹3 crore.

Some Important Points You Must Know!

• The sweet spot? The 1001-day FD offers the highest interest rate of 7.75%. 

• Some other attractive options include 701 days (7.25%) and 501 days (7.00%).

• From 1 year onward, the Unity Small Finance Bank FD rates improve considerably.

Want to invest in Unity Small Finance Bank FDs? Start investing online through GoldenPi today.

Unity Small Finance Bank FD Rates for Senior Citizens

To support retirees and elder investors, Unity Small Finance Bank offers an additional 0.50% for senior citizens. However, these bonus rates don’t apply to non-resident Indians (NRIs).

Let’s check out the Unity Small Finance Bank fixed deposit rates as of July 23, 2025 (for customers above the age of 60 years):

Tenure	Senior Citizen FD Rate
7 – 14 Days	4.00%
15 – 45 Days	4.00%
46 – 60 Days	5.25%
61 – 90 Days	5.50%
91 – 164 Days	5.50%
165 Days – 6 Months	6.00%
>6 Months – 201 Days	6.75%
202 – 364 Days	6.75%
1 Year	7.00%
1 Year 1 Day	7.25%
>1 Year 1 Day – 500 Days	7.25%
501 Days	7.50%
502 Days – 18 Months	7.25%
>18 Months – 700 Days	7.25%
701 Days	7.75%
702 Days – 1000 Days	7.25%
1001 Days	8.25% (Highest)
1002 Days – 3 Years	7.75%
>3 Years – 5 Years	7.75%
>5 Years – 10 Years	7.50%

Note: The above rates are applicable as of July 23, 2025, for senior citizens depositing below ₹3 crore.

Some Important Points You Must Know!

• For seniors also, the 1001-day FD offers the highest 8.25% p.a. return.
• The next best picks are 701 days (7.75%) and 1002 days to 3 years (7.75%).
• Even mid-range tenures like 1 year to 18 months offer strong yields (7.00% to 7.25%).

Want to lock in 8.25% returns? Book the 1001-day Unity FD via GoldenPi. Start the process from here!

Unity Small Finance Bank FD Rates for Callable Bulk FDs

If you are planning to invest more than ₹3 crore, the Unity Small Finance Bank runs two different schemes: Callable and Non-callable. Callable bulk deposits allow premature withdrawal and provide both high returns and liquidity to large-ticket investors such as corporates, HNIs, and institutions.

Let’s check out the Unity Small Finance Bank FD rates 2025 for callable deposits:

Tenure	Interest Rate p.a. (₹3 Cr to ₹100+ Cr)
7 – 14 Days	4.25%
15 – 45 Days	4.50%
46 – 60 Days	4.75%
61 – 90 Days	5.00%
91 – 164 Days	5.50%
165 Days – 6 Months	5.00%
> 6 Months – 201 Days	6.25%
202 – 364 Days	6.25%
1 Year	6.75%
1 Year 1 Day	6.75%
> 1 Year 1 Day – 500 Days	6.75%
501 Days	7.00%
502 Days – 18 Months	6.75%
> 18 Months – 700 Days	6.50%
701 days	7.00%
702 Days – 1000 Days	7.00%
1001 Days	7.00%
1002 Days – 3 Years	7.00%
> 3 Years - 5 Years	7.00%
> 5 Years - 10 years	7.00%

Note: The above rates are applicable as of July 23, 2025, for regular investors depositing more than ₹3 crore. Senior citizens are eligible for 0.50% extra. 

Some Important Points You Must Know!

• The maximum rate for bulk callable deposits is 7% p.a.
• Tenures below 6 months provide low yields (4.25%–5.5%) and are less attractive.
• Callable FDs are only available in INR currency. 

Unity Small Finance Bank FD Rates for Non-Callable Bulk FDs

Unity Small Finance Bank’s non-callable bulk FDs are designed for large investors who don’t need early withdrawal flexibility and are willing to commit funds for the full term. In return, they receive slightly higher interest rates than callable deposits. Let’s check out the Unity Small Finance Bank FD rates 2025 for non-callable deposits:

Tenure	Interest Rate p.a. (₹3 Cr to ₹100+ Cr)
7 – 14 Days	4.25%
15 – 45 Days	4.50%
46 – 60 Days	4.75%
61 – 90 Days	5.00%
91 – 164 Days	5.50%
165 Days – 6 Months	5.00%
> 6 Months – 201 Days	6.35%
202 – 364 Days	6.35%
1 Year	6.85%
1 Year 1 Day	6.85%
> 1 Year 1 Day – 500 Days	6.85%
501 Days	7.10%
502 Days – 18 Months	6.85%
> 18 Months – 700 Days	6.60%
701 Days	7.10%
702 Days – 1000 Days	7.10%
1001 Days	7.10%
1002 Days – 3 Years	7.10%
3 Years - 5 Years	7.10%
5 Years - 10 Years	7.10%

Some Important Points You Must Know!

• Across matching tenures, non-callable FDs offer 0.10% more than callable ones. 
• The highest interest rate you can earn is 7.10% p.a.
• Early exit is permitted only in extreme cases like bankruptcy, legal orders, or bank-side errors.
• Auto-renewal is not permitted.

5 Key Features of Unity Small Finance Bank FDs

One of Unity Small Finance Bank’s standout FD features is the “overdraft facility”. It is available on retail, callable, and non-callable FDs. Through this facility, you can borrow funds against your deposit without breaking it. The benefit? You get liquidity while your investment keeps earning interest. 

Apart from this, there are some other features you must know before investing:

Main Features

• Penalty on Premature Withdrawal (Retail and Callable Only)

If you break a fixed deposit before its maturity (retail or callable), the interest you receive will be 1% lower than the rate applicable for the actual period your money stayed. 

For example, say you booked for 2 years at 7.25% but withdrew after 6 months. Now, you are eligible for the interest rate of 6.25% (rate valid for a tenure of 6 months). After deducting the 1% penalty, you’ll only get 5.25%. 

• Quarterly Compounding Only for 6-Month+ Tenures

FDs with a tenure of 6 months or more benefit from quarterly compounding. If you are booking a short-term tenure of less than 6 months, calculations will be made using the simple interest formula. 

Want to lock in Unity Small Finance Bank FD rates 2025? Book your FD online through GoldenPi.

• No Interest if Withdrawn Before 1 Year on NRE FDs

If you’re an NRI and open an NRE FD, be aware that no interest will be paid if the FD is broken before completing 12 months. This is an RBI-mandated rule, which prevents misuse of NRE tax-free benefits. 

So, if you might need funds in the short term, an NRO or resident FD is a better option.

• DTAA Tax Benefits for NRO Deposits

If you are an NRI with an NRO account, you can avail reduced tax rates under the Double Taxation Avoidance Agreement (DTAA), depending on your country of residence. 

For example, say your home country has a DTAA with India that limits TDS to 10%. Now, Unity Small Finance Bank will apply the lower rate after valid documentation. This can significantly increase your post-tax return.

Start Your FD Journey With GoldenPi Today!

Unity Small Finance Bank offers competitive FD rates. As of July 23, 2025, the peak FD rate is offered for a tenure of 1001 days, which is 7.75% for regular investors and 8.25% for senior citizens.

Furthermore, this bank is RBI-regulated and enjoys an A1+ CRISIL safety rating. Want to invest? Book your Unity Small Finance Bank FD online within minutes!