Our overall rating for Unity Small Finance Bank is 3.8 out of 5, computed from 1 product we hold a dated rate for. Best for: Savers who want a large-balance-sheet bank for a deposit, and are willing to give up rate for it.
Pros and cons
- Pro: Fixed deposit rate is joint third best of the 12 providers we track — 0.25 pts off the best
Unity Small Finance Bank at a glance
| Type | SFB |
|---|
Rates and fees
| Product | Advertised rate | Maximum rate | Terms | Fee |
|---|---|---|---|---|
| Fixed deposit | 8.00% | — | 8.50% for senior citizens | 501 days |
as of 2026-10-02 · Unity Small Finance Bank’s rate cards and published comparisons, across 1 product · reported
How it ranks against the providers we track
| Product | Rank | Best in the set | Gap from the best |
|---|---|---|---|
| Fixed deposit | Joint #3 of 12 | Suryoday Small Finance Bank at 8.25% | 0.25% |
Rank is arithmetic over the dated rate tables on this site, not an editorial opinion. Change a rate and the position moves on its own.
Reading Unity Small Finance Bank’s numbers
Small finance bank. Deposit rates are typically the highest available, but DICGC insurance covers ₹5 lakh per depositor per bank — size the deposit accordingly.
How this rating was made
| Item | Details |
|---|---|
| 1 | product rated — every product we hold a dated rate for at Unity Small Finance Bank, each scored on its own. |
| 12 | competitor rates compared — we score each product against every other provider we track for it. |
| ₹0 | paid for this rating. No bank can buy, change or see a Credsir score before you do; the formula has no input for it. |
Where to go next
Deposit rates move often, so compare this one against every bank we track on the best FD rates table, and use the FD calculator to see what the rate is worth after quarterly compounding and tax. Our bank reviews explain why deposit insurance, not the bank’s size, is the thing that decides how much you should put in one place. The other small finance bank at the top of the same table is Jana Small Finance Bank.
Related reading
American Express Interest Rates Today — October 2026
Our review of American Express: 1 product rated against every other provider we track, with the rates, the fees and what they cost you in rupees.
6 Sep 2026 · 1 min
AU Small Finance Bank Interest Rates Today — October 2026
Our review of AU Small Finance Bank: 1 product rated against every other provider we track, with the rates, the fees and what they cost you in rupees.
6 Sep 2026 · 1 min
Axis Bank Interest Rates Today — October 2026
Our review of Axis Bank: 4 products rated against every other provider we track, with the rates, the fees and what they cost you in rupees.
2 Oct 2026 · 2 min