Unity Small Finance Bank Fixed Deposit (FD) Interest Rates 2025
Unity Small Finance Bank is known for offering attractive fixed deposit schemes to help individuals grow their savings. With competitive interest rates and flexible tenure options, Unity Small Finance Bank FDs are a popular choice for investors looking for steady returns.
In this article, we will explore the Unity Small Finance Bank FD rates in 2025, including rates for senior citizens, types of FD schemes, and details on premature withdrawals.
Highlights for 2025 Fixed Deposit Scheme of Unity Small Finance Bank
Tenure | 7 days to 10 years |
Senior Citizen Interest Rates | 4.00% to 9.50% p.a. |
Public Interest Rates | 4.50–9.00% p.a. |
Highest Interest Rates for Public | 9.00% p.a. |
Highest Interest Rates for Senior Citizens | 9.50% p.a. |
Premature Withdrawal | 1% Penalty |
Minimum Deposit Amount | Rs 1000 |
2025 FD Rates of Unity Small Finance Bank
Here is a comprehensive table showcasing the Unity Small Finance Bank FD rates for 2025:
| Tenure of Fixed Deposit | Rate of Interest per annum |
| 7 to 14 days | 4.50% |
| 15 to 45 days | 4.75% |
| 46 to 60 days | 5.75% |
| 61 to 90 days | 6.00% |
| 91 to 164 days | 6.25% |
| 165 days to 6 months | 6.25% |
| More than 6 months to 201 days | 8.75% |
| 202 to 364 days | 7.25% |
| 1 year | 7.85% |
| 1 year 1 day | 7.85% |
| More than 1 year 1 day to 500 days | 7.85% |
| 501 days | 8.75% |
| 502 days to 18 months | 7.85% |
| More than 18 months to 700 days | 7.90% |
| 701 days | 8.95% |
| 702 days to 1000 days | 7.90% |
| 1001 days | 9.00% |
| 1002 days to 3 years | 8.15% |
| More than 3 years to 5 years | 8.15% |
| More than 5 years to 10 years | 7.50% |
2025 FD Rates for Senior Citizens of Unity Small Finance Bank
Senior citizens can enjoy higher interest rates on their fixed deposits with Unity Small Finance Bank. The bank offers special rates to senior citizens, providing them with an additional incentive to grow their savings.
The table below provides the Unity Small Finance Bank fixed deposit rates for senior citizens:
| Tenure of Fixed Deposit | Rate of Interest per annum |
| 7 to 14 days | 4.50% |
| 15 to 45 days | 4.75% |
| 46 to 60 days | 6.25% |
| 61 to 90 days | 6.50% |
| 91 to 164 days | 6.75% |
| 165 days to 6 months | 6.75% |
| More than 6 months to 201 days | 9.25% |
| 202 to 364 days | 7.75% |
| 1 year | 8.35% |
| 1 year 1 day | 8.35% |
| More than 1 year 1 day to 500 days | 8.35% |
| 501 days | 9.25% |
| 502 days to 18 months | 8.35% |
| More than 18 months to 700 days | 8.40% |
| 701 days | 9.45% |
| 702 days to 1000 days | 8.40% |
| 1001 days | 9.50% |
| 1002 days to 3 years | 8.65% |
| More than 3 years to 5 years | 8.65% |
| More than 5 years to 10 years | 8.00% |
Types of Unity Small Finance Fixed Deposit Schemes
Unity Small Finance Bank offers a variety of fixed deposit schemes to cater to the diverse needs of its customers. Whether you are looking for short-term gains or long-term investment options, Unity Small Finance Bank has a fixed deposit scheme to suit your requirements. The different types of Unity Small Finance Fixed Deposit Schemes are as follows:
- Regular fixed deposit
- Tax saver fixed deposit
- Senior citizen fixed deposit
- Callable bulk fixed deposit
- Non-callable bulk fixed deposit
Lowest and Highest FD Interest Rate in Unity Bank
Unity Small Finance Bank offers competitive interest rates on its fixed deposit schemes, with rates varying based on the tenure of the FD. Investors can choose from a range of options and select the FD scheme that offers the best returns based on their financial goals. The lowest and highest fixed deposit rates in Unity Bank are as follows:
Particulars | Tenure | Interest Rate for General Citizens | Interest Rate for Senior Citizens |
| Lowest | 7 - 14 Days | 4.50% | 4.50% |
| Highest | 1001 Days | 9.00% | 9.50% |
Unity Small Finance Bank FD Premature Withdrawal
In case of premature withdrawal or closure of an FD with Unity Small Finance Bank due to emergency or financial changes, a 1% penalty is applied. The penalty is based on the applicable interest rate or the contracted rate, whichever is lower.
Tax on Unity Small Finance Bank FD Interest Income
Interest income from Unity Small Finance Bank FDs is taxable as per income tax laws. TDS of 10% is deducted if interest exceeds ₹40,000 in a financial year, or ₹50,000 for senior citizens.
Unity Small Finance Bank offers competitive FD rates with flexible tenure options, allowing you to choose a scheme that aligns with your financial goals and secure steady returns.
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