Fixed deposits
FD · GeneralFD
w.e.f. 2026-07-1520 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 - 14 Daysregular | ₹1,000 – ₹3,00,00,000 | 4.00% |
| 15 - 45 Daysregular | ₹1,000 – ₹3,00,00,000 | 4.00% |
| 46 - 60 Daysregular | ₹1,000 – ₹3,00,00,000 | 4.75% |
| 61 - 90 Daysregular | ₹1,000 – ₹3,00,00,000 | 5.00% |
| 91 - 164 Daysregular | ₹1,000 – ₹3,00,00,000 | 5.00% |
| 165 Days - 6 Monthsregular | ₹1,000 – ₹3,00,00,000 | 5.50% |
| > 6 Months - 201 Daysregular | ₹1,000 – ₹3,00,00,000 | 6.25% |
| 202 Days - 364 Daysregular | ₹1,000 – ₹3,00,00,000 | 6.25% |
| 12 Monthsregular | ₹1,000 – ₹3,00,00,000 | 7.50% |
| 12 Months – 1 Day [normalized as 12 months + 1 day]regular | ₹1,000 – ₹3,00,00,000 | 6.50% |
| >12 Months 1 Day - 500 Daysregular | ₹1,000 – ₹3,00,00,000 | 6.50% |
| 501 Daysregular | ₹1,000 – ₹3,00,00,000 | 8.00% |
| 502 Days - 18 Monthsregular | ₹1,000 – ₹3,00,00,000 | 6.75% |
| > 18 Months - 700 Daysregular | ₹1,000 – ₹3,00,00,000 | 6.75% |
| 701 Daysregular | ₹1,000 – ₹3,00,00,000 | 6.75% |
| 702 Days – 998 Daysregular | ₹1,000 – ₹3,00,00,000 | 6.75% |
| 999 Days to 34 Monthsregular | ₹1,000 – ₹3,00,00,000 | 6.75% |
| >34 Months - 36 Monthsregular | ₹1,000 – ₹3,00,00,000 | 6.75% |
| >36 Months - 60 Monthsregular | ₹1,000 – ₹3,00,00,000 | 6.75% |
| >60 Months- 120 Monthsregular | ₹1,000 – ₹3,00,00,000 | 6.00% |
FD · Senior CitizenFD_SC
w.e.f. 2026-07-1520 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 - 14 Daysregular | ₹1,000 – ₹3,00,00,000 | 4.00% |
| 15 - 45 Daysregular | ₹1,000 – ₹3,00,00,000 | 4.00% |
| 46 - 60 Daysregular | ₹1,000 – ₹3,00,00,000 | 5.25% |
| 61 - 90 Daysregular | ₹1,000 – ₹3,00,00,000 | 5.50% |
| 91 - 164 Daysregular | ₹1,000 – ₹3,00,00,000 | 5.50% |
| 165 Days - 6 Monthsregular | ₹1,000 – ₹3,00,00,000 | 6.00% |
| > 6 Months - 201 Daysregular | ₹1,000 – ₹3,00,00,000 | 6.75% |
| 202 Days - 364 Daysregular | ₹1,000 – ₹3,00,00,000 | 6.75% |
| 12 Monthsregular | ₹1,000 – ₹3,00,00,000 | 8.00% |
| 12 Months – 1 Day [normalized as 12 months + 1 day]regular | ₹1,000 – ₹3,00,00,000 | 7.00% |
| >12 Months 1 Day - 500 Daysregular | ₹1,000 – ₹3,00,00,000 | 7.00% |
| 501 Daysregular | ₹1,000 – ₹3,00,00,000 | 8.50% |
| 502 Days - 18 Monthsregular | ₹1,000 – ₹3,00,00,000 | 7.25% |
| > 18 Months - 700 Daysregular | ₹1,000 – ₹3,00,00,000 | 7.25% |
| 701 Daysregular | ₹1,000 – ₹3,00,00,000 | 7.25% |
| 702 Days – 998 Daysregular | ₹1,000 – ₹3,00,00,000 | 7.25% |
| 999 Days to 34 Monthsregular | ₹1,000 – ₹3,00,00,000 | 7.25% |
| >34 Months - 36 Monthsregular | ₹1,000 – ₹3,00,00,000 | 7.25% |
| >36 Months - 60 Monthsregular | ₹1,000 – ₹3,00,00,000 | 7.25% |
| >60 Months- 120 Monthsregular | ₹1,000 – ₹3,00,00,000 | 6.50% |
Tax-saver deposits (80C)
Tax SaverFD_TAX
w.e.f. 2026-07-151 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Exactly 5 calendar yearstax_saver | ₹1,000 – ₹1,50,000 | 6.75% |
Tax Saver SCFD_TAX_SC
w.e.f. 2026-07-151 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Exactly 5 calendar yearstax_saver | ₹1,000 – ₹1,50,000 | 7.25% |
Recurring deposits
RDRD
w.e.f. 2026-02-0912 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 6 Months | ₹100 and above | 5.50% |
| 9 Months | ₹100 and above | 6.25% |
| 12 Months | ₹100 and above | 7.50% |
| 15 Months | ₹100 and above | 6.50% |
| 18 Months | ₹100 and above | 6.75% |
| 21 Months | ₹100 and above | 6.75% |
| 24 Months | ₹100 and above | 6.75% |
| 27 Months | ₹100 and above | 6.75% |
| 30 Months | ₹100 and above | 6.75% |
| 33 Months | ₹100 and above | 6.75% |
| >36 Months - 60 Months | ₹100 and above | 6.75% |
| >60 Months - 120 Months | ₹100 and above | 6.00% |
RD · SCRD_SC
w.e.f. 2026-02-0912 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 6 Months | ₹100 and above | 6.00% |
| 9 Months | ₹100 and above | 6.75% |
| 12 Months | ₹100 and above | 8.00% |
| 15 Months | ₹100 and above | 7.00% |
| 18 Months | ₹100 and above | 7.25% |
| 21 Months | ₹100 and above | 7.25% |
| 24 Months | ₹100 and above | 7.25% |
| 27 Months | ₹100 and above | 7.25% |
| 30 Months | ₹100 and above | 7.25% |
| 33 Months | ₹100 and above | 7.25% |
| >36 Months - 60 Months | ₹100 and above | 7.25% |
| >60 Months - 120 Months | ₹100 and above | 6.50% |
Savings accounts
SavingsSAVINGS
w.e.f. 2025-08-193 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Up to ₹1 Lakh | ₹0 – ₹1,00,000 | 4.50% |
| >₹1L to ₹10L | ₹1,00,000 – ₹10,00,000 | 6.00% |
| >₹10L | ₹10,00,000 and above | 7.00% |
NRE SavingsNRE_SAVINGS
w.e.f. 2025-08-193 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Up to ₹1 Lakh | ₹0 – ₹1,00,000 | 4.50% |
| >₹1L to ₹10L | ₹1,00,000 – ₹10,00,000 | 6.00% |
| >₹10L | ₹10,00,000 and above | 7.00% |
NRO SavingsNRO_SAVINGS
w.e.f. 2025-08-193 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Up to ₹1 Lakh | ₹0 – ₹1,00,000 | 4.50% |
| >₹1L to ₹10L | ₹1,00,000 – ₹10,00,000 | 6.00% |
| >₹10L | ₹10,00,000 and above | 7.00% |
NRI deposits
NRENRE
w.e.f. 2026-06-1112 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 12 Months | ₹1,000 – ₹2,99,99,999 | 7.50% |
| 12 Months + 1 Day | ₹1,000 – ₹2,99,99,999 | 6.50% |
| >12 Months 1 Day - 500 Days | ₹1,000 – ₹2,99,99,999 | 6.50% |
| 501 Days | ₹1,000 – ₹2,99,99,999 | 7.80% |
| 502 Days - 18 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| > 18 Months - 700 Days | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 701 Days | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 702 Days - 998 Days | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 999 Days to 34 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| >34 Months - 36 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| >36 Months - 60 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| >60 Months - 120 Months | ₹1,000 – ₹2,99,99,999 | 6.00% |
NRONRO
w.e.f. 2026-06-1120 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7-14 Days | ₹1,000 – ₹2,99,99,999 | 4.00% |
| 15-45 Days | ₹1,000 – ₹2,99,99,999 | 4.00% |
| 46-60 Days | ₹1,000 – ₹2,99,99,999 | 4.75% |
| 61-90 Days | ₹1,000 – ₹2,99,99,999 | 5.00% |
| 91-164 Days | ₹1,000 – ₹2,99,99,999 | 5.00% |
| 165 Days - 6 Months | ₹1,000 – ₹2,99,99,999 | 5.50% |
| > 6 Months - 201 Days | ₹1,000 – ₹2,99,99,999 | 6.25% |
| 202 Days - 364 Days | ₹1,000 – ₹2,99,99,999 | 6.25% |
| 12 Months | ₹1,000 – ₹2,99,99,999 | 7.50% |
| 12 Months + 1 Day | ₹1,000 – ₹2,99,99,999 | 6.50% |
| >12 Months 1 Day - 500 Days | ₹1,000 – ₹2,99,99,999 | 6.50% |
| 501 Days | ₹1,000 – ₹2,99,99,999 | 7.80% |
| 502 Days - 18 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| > 18 Months - 700 Days | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 701 Days | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 702 Days - 998 Days | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 999 Days to 34 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| >34 Months - 36 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| >36 Months - 60 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| >60 Months - 120 Months | ₹1,000 – ₹2,99,99,999 | 6.00% |
NRI recurring deposits
NRE RDNRE_RD
w.e.f. 2026-02-0910 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 12 Months | ₹1,000 – ₹2,99,99,999 | 7.50% |
| 15 Months | ₹1,000 – ₹2,99,99,999 | 6.50% |
| 18 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 21 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 24 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 27 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 30 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 33 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| >36M to 60M | ₹1,000 – ₹2,99,99,999 | 6.75% |
| >60M to 120M | ₹1,000 – ₹2,99,99,999 | 6.00% |
NRO RDNRO_RD
w.e.f. 2026-02-0912 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 6 Months | ₹1,000 – ₹2,99,99,999 | 5.50% |
| 9 Months | ₹1,000 – ₹2,99,99,999 | 6.25% |
| 12 Months | ₹1,000 – ₹2,99,99,999 | 7.50% |
| 15 Months | ₹1,000 – ₹2,99,99,999 | 6.50% |
| 18 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 21 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 24 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 27 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 30 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| 33 Months | ₹1,000 – ₹2,99,99,999 | 6.75% |
| >36M to 60M | ₹1,000 – ₹2,99,99,999 | 6.75% |
| >60M to 120M | ₹1,000 – ₹2,99,99,999 | 6.00% |
If you break it early
Breaking this deposit early — FD · General
Every band Unity Small Finance Bank publishes for premature closure of FD · General, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to under ₹3 crore | 0 days to 6 days | no penalty | No interest is paid at all. |
| ₹1,000 to under ₹3 crore | 7 days to 120 months | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
The bank’s own wording
- ₹1,000 to under ₹3 crore · 0 days to 6 days
“no interest shall be paid where premature withdrawal of deposit takes place before completion of the minimum period specified by RBI i.e. seven days.”
Source - ₹1,000 to under ₹3 crore · 7 days to 120 months
“Bank levies premature penalty @ 1% p.a on the rate applicable for the period the deposit has remained with the bank”
Source
Breaking this deposit early — FD · Senior Citizen
Every band Unity Small Finance Bank publishes for premature closure of FD · Senior Citizen, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to under ₹3 crore | 0 days to 6 days | no penalty | No interest is paid at all. |
| ₹1,000 to under ₹3 crore | 7 days to 120 months | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
The bank’s own wording
- ₹1,000 to under ₹3 crore · 0 days to 6 days
“no interest shall be paid where premature withdrawal of deposit takes place before completion of the minimum period specified by RBI i.e. seven days.”
Source - ₹1,000 to under ₹3 crore · 7 days to 120 months
“Bank levies premature penalty @ 1% p.a on the rate applicable for the period the deposit has remained with the bank”
Source
Breaking this deposit early — Tax Saver
Every band Unity Small Finance Bank publishes for premature closure of Tax Saver, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to ₹1,50,000 | 5 years to 5 years | cannot be closed early |
The bank’s own wording
- ₹1,000 to ₹1,50,000 · 5 years to 5 years
“Premature withdrawal is not permitted before the completion of 5 years.”
Source
Breaking this deposit early — Tax Saver SC
Every band Unity Small Finance Bank publishes for premature closure of Tax Saver SC, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to ₹1,50,000 | 5 years to 5 years | cannot be closed early |
The bank’s own wording
- ₹1,000 to ₹1,50,000 · 5 years to 5 years
“Premature withdrawal is not permitted before the completion of 5 years.”
Source
Not yet verified
We have not read and recorded Unity Small Finance Bank’s premature-withdrawal terms for RD, RD · SC, Savings, NRE Savings, NRO Savings, NRE, NRO, NRE RD, NRO RD. That is not a statement that breaking these is free. It means nobody has yet read the bank’s own wording for them. Ask the bank before you assume a cost.
Not offered by Unity Small Finance Bank
46 products we track are confirmed absent from this bank — each verdict recorded against the page that was read. Products missing from both lists are ones we have not yet established either way.
Fixed deposits
Tax-saver deposits (80C)
- Tax Saver SSCsource ↗checked 2026-07-20
Recurring deposits
- RD · SSCsource ↗checked 2026-07-20
Auto-sweep
NRI deposits
- FCNR (legacy aggregate)checked 2026-07-01
- NRE · Non-Callablesource ↗checked 2026-07-20
- NRO · Non-Callablesource ↗checked 2026-07-20
- RFC · AUD (returned NRI)source ↗checked 2026-07-23
- RFC · CAD (returned NRI)source ↗checked 2026-07-23
- RFC · CHF (returned NRI)source ↗checked 2026-07-23
- RFC · EUR (returned NRI)source ↗checked 2026-07-23
- RFC · GBP (returned NRI)source ↗checked 2026-07-23
- RFC · HKD (returned NRI)source ↗checked 2026-07-23
- RFC · NZD (returned NRI)source ↗checked 2026-07-23
- RFC · SEK (Krona) (returned NRI)source ↗checked 2026-07-23
- RFC · SGD (returned NRI)source ↗checked 2026-07-23
- RFC · USD (returned NRI)source ↗checked 2026-07-23
- RFC · YEN (JPY) (returned NRI)source ↗checked 2026-07-23
- RFC Savings (returned NRI)source ↗checked 2026-07-23
FCNR — callable
- FCNR · AUD · Callablesource ↗checked 2026-07-23
- FCNR · CAD · Callablesource ↗checked 2026-07-23
- FCNR · CHF · Callablesource ↗checked 2026-07-23
- FCNR · EUR · Callablesource ↗checked 2026-07-23
- FCNR · GBP · Callablesource ↗checked 2026-07-23
- FCNR · HKD · Callablesource ↗checked 2026-07-23
- FCNR · NZD · Callablesource ↗checked 2026-07-14
- FCNR · SEK (Krona) · Callablesource ↗checked 2026-07-20
- FCNR · SEK (Krona) · Non-Callablesource ↗checked 2026-07-20
- FCNR · SGD · Callablesource ↗checked 2026-07-23
- FCNR · USD · Callablesource ↗checked 2026-07-23
- FCNR · YEN (JPY) · Callablesource ↗checked 2026-07-23
FCNR — non-callable
- FCNR · AUD · Non-Callablesource ↗checked 2026-07-23
- FCNR · CAD · Non-Callablesource ↗checked 2026-07-23
- FCNR · CHF · Non-Callablesource ↗checked 2026-07-23
- FCNR · EUR · Non-Callablesource ↗checked 2026-07-23
- FCNR · GBP · Non-Callablesource ↗checked 2026-07-23
- FCNR · HKD · Non-Callablesource ↗checked 2026-07-23
- FCNR · NZD · Non-Callablesource ↗checked 2026-07-23
- FCNR · SGD · Non-Callablesource ↗checked 2026-07-23
- FCNR · USD · Non-Callablesource ↗checked 2026-07-23
- FCNR · YEN (JPY) · Non-Callablesource ↗checked 2026-07-23
How to read this page
- Tenures are the bank's own words. “1 Year to 443 days” is printed exactly as Unity Small Finance Bank prints it. We never convert a band into a day count or a midpoint — that would be a number the bank never published.
- One card, one w.e.f. When a product is live under several “with effect from” dates, each gets its own card. We do not merge them into a table the bank never issued.
- Every card links to its source. The product's own page where we have it, otherwise the bank's FD rate page, otherwise the bank's website. Aggregator sites are never a source.
- Only approved, current rows appear. 129 rows on this page are published and un-superseded. Rows awaiting verification, and rows a later rate card replaced, are not shown.
MyPassbook is read-only and never touches your money. Rates change without notice — always confirm on the bank's own page before you book. Deposits with scheduled commercial banks in India are insured by DICGC up to ₹5,00,000 per depositor per bank.