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 ₹11,000 crore in deposits. 

If you are looking to park your surplus funds for the short term, there are several Unity SmallFinance Bank short-term FD schemes you can consider. As of July 25, 2025, the bank offers up to 6.75% p.a. for regular investors and 7.25% p.a. for senior citizens on a tenure of less than 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 2025

If you're a regular investor (below 60 years of age) looking to park your money for less than 1 year, Unity SmallFinance Bank short-term FD schemes offer impressive interest rates that improve significantly as you go beyond the 2-month mark. 

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

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	6.50%
1 Year 1 Day	6.75%

Note: The above Unity Small Finance Bank short-term FD interest rates are valid as of July 25, 2025, 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. While the rates for 7 to 14 days and 15 to 45 days remain the same for both regular and senior citizens, the additional benefit of 0.50% becomes applicable on tenures beyond 45 days. 

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

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	7.00%
1 Year 1 Day	7.25%

Note: The above Unity Small Finance Bank short-term FD interest rates are valid as of July 25, 2025, 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: Callable and Non-callable. These Unity SmallFinance Bank short-term FD schemes are meant for high-value investors who are looking to invest a minimum of ₹3 crores.

For those unaware, a "callable" FD means the bank allows premature withdrawal, though penalties may apply. Let’s check out the latest Unity Small Finance Bank short-term FD rates 2025 for callable FDs:

Tenure	FD Interest Rate (% p.a.)
7 to 14 Days	4.25%
15 to 45 Days	4.50%
46 to 60 Days	4.75%
61 to 90 Days	5.00%
91 to 164 Days	5.50%
165 Days to 6 Months	5.00%
More than 6 Months to 201 Days	6.25%
202 to 364 Days	6.25%
1 Year	6.75%
1 Year 1 Day	6.75%

Note: The above Unity Small Finance Bank short-term FD interest rates are valid as of July 25, 2025, for FD amounts of more than ₹3 crores. 

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, you cannot withdraw your money before maturity. Premature closure is allowed only in exceptional circumstances, such as bankruptcy, court orders, operational errors, etc. 

This Unity SmallFinance Bank short-term FD scheme is ideal for investors who don’t need liquidity before maturity and want to earn competitive returns on their idle bulk funds.

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

Tenure	FD Interest Rate (% p.a.)
7 to 14 Days	4.25%
15 to 45 Days	4.50%
46 to 60 Days	4.75%
61 to 90 Days	5.00%
91 to 164 Days	5.50%
165 Days to 6 Months	5.00%
More than 6 Months to 201 Days	6.35%
202 to 364 Days	6.35%
1 Year	6.85%
1 Year 1 Day	6.85%

Note: The above Unity Small Finance Bank short-term FD interest rates are valid as of July 25, 2025, for FD amounts of more than ₹3 crores. 

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 free of cost. Using it, you can easily estimate the returns on your fixed deposit. All you have to do is input a few basic details, such as:

• Investment amount
• Tenure
• Payout option (at maturity, monthly, quarterly) 
• Citizen type (toggle right for senior citizen or left for regular investor)

Next, the calculator instantly picks the current Unity Small Finance Bank short-term FD rates and estimates your maturity amount. Besides, it also calculates your total interest earned. 

Want to learn how to use it? Follow these simple steps:

• Step I: Enter Investment Amount
• Input the amount you plan to invest.
• The maximum value you can enter is up to ₹2 crores.
  
  

• Step II: Select Tenure
• Choose the FD duration from the drop-down list.
• This list has all the latest FD durations offered by the Unity Small Finance Bank.
  
  

• Step III: Select Senior Citizen Option (if applicable)
• Toggle the “Senior Citizen” switch on the right side if you are a senior citizen.
• Whereas, if you are a regular investor, toggle it to the left. 

• Step IV: Choose Payout Option
• Lastly, you must select how you want to receive your interest.
• The available options are:
• On Maturity
• Monthly
• Quarterly
  
  
• Step V: View Results
• After completing all the above steps, the calculator instantly shows two results:
• Total Interest Earned
• Maturity Value (a combination of investment + interest)
  
  

Once you’re satisfied with the projection, you can click the ‘Invest’ button to proceed with booking your FD online. Use the Unity Small Finance Bank short-term FD calculator and estimate your FD returns today!

Invest in Unity Small Finance Bank FDs via GoldenPi Today!

Unity SmallFinance Bank's short-term FD schemes cover all kinds of investors, such as regular, seniors, bulk depositors, and more. As of July 25, 2025, the peak Unity Small Finance Bank short-term FD rates are as follows (applicable for a tenure of 1 year 1 day):

• 6.75% p.a. for regular investors
• 7.25% p.a. for senior citizen investors
• 6.75% p.a. on callable FDs
• 6.85% p.a. on non-callable FDs

Please note that Unity Small Finance Bank does not offer non-callable FDs to senior citizens due to the urgency of the requirement. However, seniors are eligible for callable FDs and can earn an additional 0.50% p.a. across specific tenures. 

Want to calculate your returns before investing? You can use the Unity Small Finance Bank short-term FD calculator and check exactly how much you’ll earn. The calculations are made based on your amount, tenure, citizen type, and the latest interest rate. 

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