Bank FD Comparison Tool
Unity Small Finance Bank vs DCB Bank Fixed Deposit Comparison 2026
Compare Fixed Deposit interest rates, maturity amounts, and features between Unity Small Finance Bank (Private Sector) and DCB Bank (Private Sector).
Unity SFB
Private Sector
VS
DCB Bank
Private Sector
Unity SFB: Min ₹1,000
DCB Bank: Min ₹1,000
DICGC Insured up to ₹5 Lakhs
Compare Your FD Returns
Adjust the parameters below to see how returns compare between the two banks
₹
Five Lakhs rupees
₹1,000₹20,00,000
years
1 year10 years
Interest Rate Comparison
Interest Rates by Tenure
General rates across different tenures
Current selection: 3 years (1095 days) -Unity SFB: % |DCB Bank: %
Side-by-Side Rate Comparison
Direct comparison of general rates
Unity SFB
DCB Bank
Highlighted = Your selected tenure
Feature Comparison
Features | Unity SFB Private Sector | DCB Bank Private Sector |
|---|---|---|
Minimum FD Amount | ₹1,000 | ₹1,000 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 0.5% |
Official Rate Source | View Official Rates | View Official Rates |
Unity Small Finance Bank
Private Sector Bank
Key Advantages:
Small Finance Bank
Competitive interest rates
Digital banking services
Online FD booking facility
Auto-renewal facility available
Senior citizens get additional interest (varies by tenure)
Rates applicable for deposits less than ₹3 Crore
Interest compounded quarterly
Rates effective from August 19, 2025
Special rates for specific tenures (501 days, 701 days, 1001 days)
DCB Bank
Private Sector Bank
Key Advantages:
Private sector bank
Competitive interest rates
Digital banking services
Online FD booking facility
Auto-renewal facility available
Tax Saver FD with 5-year lock-in period
Senior citizens get additional interest (varies by tenure)
Rates applicable for deposits less than ₹3 Crore
Interest compounded quarterly
Rates effective from 16th January 2026
Special rates for 37-38 months and 60-61 months tenures
Important: Fixed Deposit Safety & Insurance Coverage
₹5 Lakh Insurance Limit
The Deposit Insurance and Credit Guarantee Corporation (DICGC) provides insurance coverage of up to ₹5 lakhs per depositor per bank. This means if you deposit more than ₹5 lakhs in a single bank, only ₹5 lakhs is guaranteed by the government.
⚠️ Recommendation:
Never deposit more than ₹5 lakhs in a single bank. If you have larger amounts, distribute them across multiple banks to ensure full insurance coverage.
Smart Distribution Strategy
For ₹10 lakhs: Split between Unity SFB (₹5L) + DCB Bank (₹5L)
For ₹15 lakhs: Add a third bank to the mix
💡 Pro Tip:
You can also open FDs in different family members' names in the same bank to get additional ₹5 lakh coverage for each account holder.
Key Insights & Recommendations
Choose Unity SFB If:
- •Minimum amount: ₹1,000
- •Private Sector banking preference
- •Small Finance Bank
- •Competitive interest rates
- •Digital banking services
Choose DCB Bank If:
- •Minimum amount: ₹1,000
- •Private Sector banking preference
- •Private sector bank
- •Competitive interest rates
- •Digital banking services
Best Strategy:
- •Split large amounts across both banks
- •Keep ≤₹5L per bank for insurance
- •Compare rates before investing
- •Consider branch convenience
- •Review rates periodically
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