Unity Small Finance Bank Short-term FD Rates

Unity Small Finance Bank is a CRISIL A1+ rated scheduled commercial bank. Since beginning its operations in 2021, the organisation has garnered the trust of 18 lakh+ customers and has attracted more than ₹12,045 crore in deposits as of March 31, 2026. 

If you are looking to park your surplus funds for the short term, there are several Unity Small Finance Bank short-term FD schemes you can consider. As of May 2, 2026, the bank offers up to 7.50% p.a. for regular investors and 8.00% p.a. for senior citizens on a tenure of 1 year. 

Want to know more? In this article, let’s check out the latest Unity Small Finance Bank short-term FD interest rates and learn how you can estimate your returns using the Unity Small Finance Bank short-term FD calculator.

Latest Unity Small Finance Bank Short-Term FD Interest Rates 2026

If you're a regular investor (below 60 years of age) looking to park your money for 1 year or less, Unity Small Finance Bank short-term FD schemes offer competitive interest rates that peak at the 12-month mark. 

For more clarity, let’s check out the latest Unity Small Finance Bank short-term FD rates (for deposits less than ₹3 crores):

Tenure	FD Interest Rate (% p.a.)
7 to 14 Days	4.00%
15 to 45 Days	4.00%
46 to 60 Days	4.75%
61 to 90 Days	5.00%
91 to 164 Days	5.00%
165 Days to 6 Months	5.50%
More than 6 Months to 201 Days	6.25%
202 to 364 Days	6.25%
1 Year (365 Days)	7.50%

Note: The above Unity Small Finance Bank short-term FD interest rates are valid as of May 2, 2026, on FD amounts less than ₹3 crores. 

If you want to invest in Unity Small Finance Bank short-term FD schemes, you can start your FD application from here!

Unity Small Finance Bank Short-Term FD Rates for Senior Citizens (60+)

Unity Small Finance Bank offers an additional 0.50% p.a. interest to senior citizens over the regular FD rates for tenures of 46 days and above. For very short durations (7 to 45 days), the rates are the same as regular investors. 

For more clarity, let’s check out the latest Unity Small Finance Bank short-term FD rates for seniors:

Tenure	FD Interest Rate (% p.a.)
7 to 14 Days	4.00%
15 to 45 Days	4.00%
46 to 60 Days	5.25%
61 to 90 Days	5.50%
91 to 164 Days	5.50%
165 Days to 6 Months	6.00%
More than 6 Months to 201 Days	6.75%
202 to 364 Days	6.75%
1 Year (365 Days)	8.00%

Note: The above Unity Small Finance Bank short-term FD interest rates are valid as of May 2, 2026, on FD amounts less than ₹3 crores. 

Latest Unity Small Finance Bank Short-Term FD Rates on Callable Bulk FDs 

Apart from regular FD plans, Unity Small Finance Bank also runs two bulk FD schemes for investments of ₹3 crores and above. A "callable" FD allows premature withdrawal, typically subject to a 1% penalty on the applicable rate.

Let’s check out the latest Unity Small Finance Bank short-term FD rates 2026 for callable bulk FDs (w.e.f. April 21, 2026):

Tenure	FD Interest Rate (% p.a.)
7 to 45 Days	4.50%
46 to 60 Days	4.75%
61 to 90 Days	6.00%
91 to 164 Days	5.50%
165 Days to 6 Months	5.00%
More than 6 Months to 364 Days	6.00%
1 Year	7.00%

Note: Bulk FD rates are applicable for deposits of ₹3 crores to ₹100 crores and are subject to bank discretion.

Latest Unity Small Finance Bank Short-Term FD Rates on Non-Callable Bulk FDs

Unity Small Finance Bank also offers non-callable bulk deposits for investors depositing ₹3 crores or more. In a non-callable FD, premature withdrawal is not permitted except under extraordinary circumstances (regulatory/court orders). These usually offer a higher yield than callable FDs.

Tenure	FD Interest Rate (% p.a.)
7 to 45 Days	4.50%
46 to 60 Days	4.75%
61 to 90 Days	6.00%
91 to 164 Days	5.50%
165 Days to 6 Months	5.00%
More than 6 Months to 364 Days	6.10%
1 Year	7.10%

Note: Non-callable deposits are not offered to senior citizens due to the non-liquidity feature.

How to Use the Unity Small Finance Bank Short-Term FD Calculator?

The Unity Small Finance Bank short-term FD calculator is a digital tool available online. It helps you estimate maturity values instantly without manual errors. All you have to do is input:

• Investment amount
• Tenure (Days/Months/Years)
• Payout option (Monthly, Quarterly, or at Maturity) 
• Citizen type

How to use it? Follow these simple steps:

• Step I: Enter Investment Amount (Min ₹1,000).
• Step II: Select Tenure from the list.
• Step III: Toggle the “Senior Citizen” switch if you are 60 or above.
• Step IV: Choose Payout Option (Cumulative/Non-Cumulative).
• Step V: View Results for Total Interest and Maturity Value.

Once you’re satisfied with the projection, you can proceed with booking your FD online. Use the Unity Small Finance Bank short-term FD calculator to plan your savings today!

Invest in Unity Small Finance Bank FDs via GoldenPi Today!

As of May 2, 2026, the peak Unity Small Finance Bank short-term FD rates (for 1-year tenure) are as follows:

• 7.50% p.a. for regular investors
• 8.00% p.a. for senior citizen investors
• 7.00% p.a. on callable bulk FDs
• 7.10% p.a. on non-callable bulk FDs

Deposits are insured up to ₹5 lakh by DICGC. Whether you are looking for high liquidity or high yields on idle bulk funds, Unity Small Finance Bank has a scheme to fit your profile. 

If you are looking to invest in Unity Small Finance Bank's short-term FDs, you can start the process online via GoldenPi.