Union Bank Of India, J&K Bank, And Unity SFB Revise FD Rates, Offers Up To 8 Per Cent To Seniors

Three banks revised their fixed deposit (FD) rates during the week ending February 14, 2026. Banks adjust their rates in line with the Reserve Bank of India’s (RBI) repo rate, which is reviewed and determined on a bi-monthly basis. This time, in February 2026, the rate was kept unchanged at 5.25 per cent. However, Union Bank of India, J&K Bank, and Unity Small Finance Bank (SFB) revised their FD rates, mostly upward or by including special tenures. Here are the details of FD rates for senior citizens.

Union Bank Of India

This public sector bank revised its FD rates on February 11, 2026, adding new tenures, including one of 444 days. The new tenure offers the highest interest rate of 6.60 per cent for the general public and 7.10 per cent for seniors. Prior to the revision, the highest rate offered by the bank was 6.80 per cent. The revised FD rates for seniors are:

• 6.80 per cent for one year

• 6.80 per cent for more than one year to 399 days

• 6.90 per cent for 400 days

• 6.80 per cent for 401 days to 443 days

• 7.10 per cent for 444 days

• 6.80 per cent for 445 days to two years

• 6.75 per cent for more than two years to 996 days

• 6.70 per cent for 997 days

• 6.75 per cent for 998 days to three years

• 6.50 per cent from more than three years to 10 years

For super seniors (80 years and above), the interest rates are 0.25 per cent over these rates.

J&K Bank

J&K Bank revised its rates on February 11, 2026, offering senior citizens up to 7.75. The rates for senior citizens’ FDs are:

• 7.25 per cent for one year to less than 18 months

• 7.20 per cent for 18 months to less than two years

• 7.25 per cent for two years to 887 days

• 7.75 per cent for 888 days

• 7.25 per cent for 889 days to less than three years

• 7.15 per cent for three years to less than five years

• 7.10 per cent for five years to 10 years

The bank offers an additional 0.25 per cent interest over these rates to super senior citizens (above 80 years).

Unity Small Finance Bank

Effective February 9, 2026, revised FD rates are applicable at Unity SFB. The bank offers up to 8 per cent to seniors and 7.50 per cent to the general public. Unity SFB FD rates for seniors are:

• 8.00 per cent for 12 months

• 7.00 per cent for 12 months to one day

• 7.00 per cent for 12 months one day to 500 days

• 7.25 per cent for 501 days

• 7.25 per cent for 502 days to 18 months

• 7.25 per cent for more than 18 months to 700 days

• 7.25 per cent for 701 days

• 7.25 per cent for 702 days to 998 days

• 7.25 per cent for 999 days to 34 months

• 7.25 per cent for more than 34 months to 36 months

• 7.25 per cent for more than 36 months to 60 months

• 6.50 per cent for more than 60 months to 120 months.