Unity SFB Hikes FD Rates, Offers Up To 8.30 Per Cent To Senior Citizens

Unity Small Finance Bank (SFB) revised its fixed deposit (FD) rates with effect from June 11, 2026 offering a deposit rate of up to 8.30 per cent to senior citizens on a tenure of 501 days. The highest rate for the general public stands at 7.80 per cent for the same tenure.

While the Reserve Bank of India (RBI) kept the repo rate unchanged at 5.25 per cent in the June Monetary Policy Committee (MPC) meeting, Unity Bank SFB has hiked the rates on its term deposits. Conservative investors, including senior citizens, prefer secure and guaranteed returns, and amid a constantly volatile market, they tend to shift to such instruments. 

Recent data from the RBI also reveals this trend, and banks too have accordingly increased their fixed deposit rates over 12 per cent over the last year, while the market remained volatile. The data shows that the maximum deposits are in the ‘one to three year’ period. Unity SFB’s highest FD rates support this trend, as it offers the highest rate for 501 days, which falls in the 1-3 year period.

Here’s a look at the deposit rates being offered by Unity SFB on its FDs.

FD rates for senior citizens:

• 4.00 per cent for 7-14days

• 4.00 per cent for 15-45 days

• 5.25 per cent for 46-60 days

• 5.50 per cent for 61-90 days

• 5.50 per cent for 91-164 days

• 6.00 per cent for 165 days to six months

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

• 6.75 per cent for 202-364 Days

• 8.00 per cent for 12 months

• 7.00 per cent for 12 months one day

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

• 8.30 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 702-998 days

• 7.25 per cent for 999 days to 34 months

• 7.25 per cent for more than 34-36 months

• 7.25 per cent for more than 36-60 months

• 6.50 per cent for more than 60-120 months

FD rates for the general public:

• 4.00 per cent for 7-14 days

• 4.00 per cent for 15-45 days

• 4.75 per cent for 46-60 days

• 5.00 per cent for 61-90 days

• 5.00 per cent for 91-164 days

• 5.50 per cent for 165 days to six months

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

• 6.25 per cent for 202-364 Days

• 7.50 per cent for 12 months

• 6.50 per cent for 12 months, one day to 500 days

• 7.80 per cent for 501 days

• 6.75 per cent for 502 days to 18 months

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

• 6.75 per cent for 701 days

• 6.75 per cent for 702-998 days

• 6.75 per cent for 999 days to 34 months

• 6.75 per cent for more than 34-36 months

• 6.75 per cent for more than 36-60 months

• 6.00 per cent for more than 60-120 months

These rates are for FDs less than Rs 3 crore. On a savings bank account, the bank offers 4.5 per cent up to Rs 1 lakh, 6.00 per cent for more than Rs 1 lakh to Rs 10 lakh, and 7.00 per cent for more than Rs 10 lakh.