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Unity Small Finance Bank Interest Rates & Calculators

Complete guide to Unity Small Finance Bank interest rates for FD, RD, and loans, plus top credit card comparison. Use our calculators to plan investments better.

Best FD Rate
8.5% p.a.
Home Loan
From 8.75%
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Unity Small Finance Bank FD Rates Overview

Unity Small Finance Bank currently offers fixed deposit interest rates of up to 8% p.a. for the general public, and 8.5% for senior citizens. The full slab-wise Unity SFB rate table is below — use the FD and RD calculators to compute your exact maturity amount.

Unity SFB Financial Calculators

Latest Unity SFB Interest Rates

Verified rate tables updated as banks revise deposit & loan terms.

Unity Small Finance Bank Fixed Deposit Rates

FD Calculator

Latest Unity Small Finance Bank Fixed Deposit interest rates for all tenures. Compare general and senior citizen rates.

Type / TenureGeneral RateSenior Citizen Rate
7 - 14 Days
4%4%
15 - 45 Days
4%4%
46 - 60 Days
4.75%5.25%
61 - 90 Days
5%5.5%
91 - 164 Days
5%5.5%
165 Days - 6 Months
5.5%6%
> 6 Months - 201 Days
6.25%6.75%
202 Days - 364 Days
6.25%6.75%
12 Months
7.5%8%
>12 Months 1 Day - 500 Days
6.5%7%
501 DaysHighest Yield
8%8.5%
502 Days - 998 Days
6.75%7.25%
999 Days to 34 Months
6.75%7.25%
>34 Months - 60 Months
6.75%7.25%
>60 Months - 120 Months
6%6.5%

Unity Small Finance Bank Recurring Deposit Rates

RD Calculator

Latest Unity Small Finance Bank Recurring Deposit interest rates for all tenures. Compare general and senior citizen rates.

Type / TenureGeneral RateSenior Citizen Rate
7 - 14 Days
4%4%
15 - 45 Days
4%4%
46 - 60 Days
4.75%5.25%
61 - 90 Days
5%5.5%
91 - 164 Days
5%5.5%
165 Days - 6 Months
5.5%6%
> 6 Months - 201 Days
6.25%6.75%
202 Days - 364 Days
6.25%6.75%
12 Months
7.5%8%
>12 Months 1 Day - 500 Days
6.5%7%
501 DaysHighest Yield
8%8.5%
502 Days - 998 Days
6.75%7.25%
999 Days to 34 Months
6.75%7.25%
>34 Months - 60 Months
6.75%7.25%
>60 Months - 120 Months
6%6.5%

Unity Small Finance Bank Loan Rates

Unity Small Finance Bank Loan Interest Rates Rates

Current Unity Small Finance Bank loan interest rates and processing fees for different loan types.

Type / TenureMin RateMax RateProcessing Fee
Home LoanLowest Starting Rate
8.75%11.25%0.25% of loan amount + GST
16%30%Up to 5% + applicable tax
9%12%0.5% of loan amount + GST
Education Loan
9.75%13.25%Nil for loans up to ₹7.5 lakhs
Business Loan
11%17.5%1% of loan amount + GST
Two Wheeler Loan
11.25%14.5%₹1,500 + GST
12%18%Up to 1% of the loan amount
Official Card Registry (2026)

Unity Small Finance Bank Credit Cards (2)

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Why Choose Unity Small Finance Bank?

Key benefits and features of banking with Unity Small Finance Bank.

Competitive Rates

Up to 8.5% returns on deposits with attractive rates across short & long tenures.

Bank Security

RBI regulated financial institution with DICGC insurance up to ₹5 Lakhs.

Digital Banking

Instant online FD/RD booking, mobile banking apps, and quick digital loans.

Customer Service

Extensive branch & ATM network across India with dedicated support.

Key Features & Perks

Best FD Rate: 8.5% for Senior Citizens
General Rate: 8% for all citizens
Min FD Amount: ₹1K only
Min RD Amount: ₹100 monthly
Home Loan Rate: From 8.75%
Personal Loan: From 16%
Senior Citizen Benefit: Additional 0.5% on all tenures
Premature Penalty: Only 1%
Tax Deduction: TDS applicable if interest exceeds ₹40,000 per annum (₹50,000 for senior citizens)
Online Banking Available
Loan Against FD: Up to 90%
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 15 July 2026
RD rates same as FD - dedicated RD-specific PDF found and confirmed 2026-09-19 (unity.bank.in/docs/policies/recurring-deposit-interest-rates.pdf): "The above card rates are applicable for recurring deposits (Specific Tenors)" - table numerically identical to FD card rates tenure-for-tenure (12mo 7.50/8.00%, 501-day FD-only special tenure not in RD table)
Interest rates last updated: Jul 2026
Verify on Unity Small Finance Bank Official Website
Market Comparison

Compare Rates with Other Banks

Check latest fixed deposit interest rates across peer financial institutions before investing.

Disclaimer: Results are estimates for financial planning purposes only and do not constitute financial, tax, investment, or legal advice. Actual values may vary based on your lender, market conditions, and individual circumstances. Consult a qualified CA, CFP, or financial advisor before making any financial decisions.