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Unity Small Finance Bank
Safety:Bank Safety:Good
•✓₹5l DICGC insuredDICGC insured up to ₹5L
Bank Overview
Type
Small FinanceHeadquarters
MumbaiFounded
2021Branches
291DICGC Coverage
₹5 LakhsFinancial Health Indicators(FY 2026)
NNPA
2.07%Fair
CAR
26.00%Strong
PCR
94.27%Strong
LCR
142.00%Strong
CASA
22.50%Fair
Fixed Deposit (FD) Interest Rates
| TENURE | General | Senior |
|---|
•For callable FDs < ₹3 Cr•Premature withdrawal penalty applies
Savings Account Interest Rates
| Deposit Slabs | Interest Rate |
|---|
NRI Fixed Deposit Rates (NRE & NRO)
| TENURE | Interest Rate |
|---|---|
12 months | 7.50% |
12 months 1 day | 6.50% |
Above 12 months to 500 days | 6.50% |
501 daysSpecial FD | 8.00%BEST |
502 days to 18 months | 6.75% |
Above 18 months to 700 days | 6.75% |
701 days | 6.75% |
702 to 998 days | 6.75% |
999 days to 34 months | 6.75% |
Above 34 to 36 months | 6.75% |
Above 36 to 60 months | 6.75% |
Above 60 to 120 months | 6.00% |
•For callable NRE FDs < ₹3 Cr•100% tax-free in India•Premature withdrawal penalty applies
Frequently Asked Questions
As of September 2026, Unity Small Finance Bank offers up to 8.00% p.a. on Fixed Deposits and up to 7.00% p.a. on Savings Accounts based on the balance slabs maintained.
Yes, Unity Small Finance Bank is a scheduled bank regulated by the RBI. Your deposits (up to ₹5 Lakhs per depositor) are insured by the DICGC, which covers principal and interest across all account types.
The minimum tenure for a fixed deposit with Unity Small Finance Bank starts from 7 Days. Senior citizens receive an additional interest rate benefit of up to 0.50% p.a. over general citizen rates.
Unity Small Finance Bank offers tiered interest rates ranging from 4.50% to 7.00% p.a. depending on the balance slabs maintained in the savings account.
Yes, interest earned on deposits is taxable. Savings account interest is tax-free up to ₹10,000 per year (₹50,000 for senior citizens) under Section 80TTA/80TTB. FD interest is fully taxable, and TDS is deducted at 10% if interest exceeds ₹40,000 (₹50,000 for senior citizens) in a financial year.
Unity SFB FD Calculator
Months
Days
MATURITY AMOUNT
₹1,07,714
MATURITY DATE
19 Sept 2027
Interest rate7.50% p.a.
Principal₹1,00,000
Total interest₹7,714
Indicative only. Actual figures may vary.