Unity Small Finance Bank Revises FD Interest Rates, Up To 7.75 Per Cent For Senior Citizens

The fixed deposits (FD) are losing sheen this year as banks lower their interest rates to bring them in line with the Reserve Bank of India’s (RBI) repo rate. However, as the market remains volatile, FDs remain a viable choice for earning a guaranteed income with an anytime withdrawal facility. Ahead of the Budget 2026 and the monetary policy meeting of the RBI in the first week of February, Unity Small Finance Bank (SFB) revised FD interest rates. The Bank offers senior citizens up to 7.75 per cent, which, compared to the public and private sector banks, is towards the higher end.

Unity Small Finance Bank

Unity SFB revised its FD interest rates on January 20, 2026. It offers the highest 7.25 per cent to the general public and 7.75 per cent (with an additional 0.50 per cent) to senior citizens. Here are the details of the revised FD rates for seniors:

• 4.00 per cent for 7 to 14 days

• 4.00 per cent for 15 to 45 days

• 5.25 per cent for 46 to 60 days

• 5.50 per cent for 61 to 90 days

• 5.50 per cent for 91 to 164 days

• 6.00 per cent for 165 days to 6 months

• 6.75 per cent for more than six months to 201 days

• 6.75 per cent for 202 days to 364 days

• 7.75 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

The Bank charges a penalty of 1 per cent on the interest rate applicable for the period the FD has remained with the bank. Deposits with the SFBs up to Rs 5 lakh are secure under the Deposit Insurance and Credit Guarantee Corporation (DICGC) insurance.