FD: Good news for FD investors. If you’re looking to make substantial profits by investing your savings in Fixed Deposit (FD), this information is for you. Unity Small Finance Bank, a well-known small finance bank in the country, is currently offering lucrative interest rates on FDs below Rs 3 crore. Effective from July 15, 2026, the new FD interest rates are detailed on the bank’s official website. During this period, Unity Small Finance Bank is providing a maximum interest rate of 8 percent for regular customers and up to 8.50 percent for senior citizens on FDs. Below are the interest rates for various tenures:
Interest rates up to 5.50%:
– 4.00% interest for FDs with maturity periods of 7 to 14 days and 15 to 45 days
– 4.75% interest for 46 to 60 days
– 5.00% interest for 61 to 90 days and 91 to 164 days
– 5.50% interest for 165 days to 6 months
Highest interest rates:
– 6.25% interest for more than 6 months to 201 days and 202 to 364 days
– 7.50% interest for up to 12 months
– 6.50% interest for 12 months 1 day to 500 days
– 8.00% interest for a special 501-day FD
Long-term returns:
– 6.75% interest for FDs ranging from 502 days to 60 months
– 6.00% interest for FDs from 60 months to 120 months
Additional returns for seniors:
– Senior citizens receive an extra interest rate of up to 0.50% on most FDs ranging from 46 days to 10 years
– Senior citizens earn 8.00% on 12-month FDs and up to 8.50% on 501-day special FDs, providing returns from 4.00% to 8.50% on their savings.
501-day investment period, meaning it matures in approximately 1 year and 4 months. The interest rate is locked in at the time of the FD, so any subsequent interest rate reduction or increase does not affect the investor’s returns.
If we talk about the interest rates available on this special FD scheme, then Unity Small Finance Bank is giving 7.80 percent interest to general customers, whereas senior citizens are being offered 8.30 percent interest on FD for this period.