Rates for regular and senior citizens, and what you keep after tax. Unity Small Finance Bank’s other products are listed on its provider page.
| Best rate | 8.00% p.a. |
|---|
8.50% for senior citizens. Rates vary by tenure — the full grid is below. Work out what a given tenure pays with the FD calculator.
Checked at source 2 Oct 2026 · Each bank’s own rate page or rate card, deposits below ₹3 crore
The rate
| General | Senior citizen | Best tenure |
|---|---|---|
| 8.00% | 8.50% for senior citizens | 501 days |
How it compares
Against every bank in our best FD rates table, Unity Small Finance Bank is joint 3rd highest of the 12 providers we track, 0.25% below Suryoday Small Finance Bank at 8.25%. Another small finance bank at the top of that table is Jana Small Finance Bank. If you need the money before maturity, a loan against the FD usually costs less than breaking it.