What is the minimum and maximum tenure of investment in Fixed Deposit Account?

The minimum tenure here of a fixed deposit is seven days, while the maximum tenure can go up to 5 years.

What is the minimum and maximum amount of investment in a Fixed Deposit Account?

You can start investing with a minimum amount of Rs. 1,000. There is no maximum limit for fixed deposits. However, if you wish to invest above Rs. 2 crore, please contact the nearest branch manager for the latest applicable interest rates.

Is an overdraft facility available on fixed deposits?

Certainly, yes! You can get an overdraft facility against your deposits which you can achieve them without breaking it.

For premature withdrawal, will a penalty of 1% be charged after the bank becomes operational? Also if the FD is closed and reinvested in a new scheme, will the penalty be charged or waived?

Yes, 1% penalty will be applicable on the premature closure of deposits.

What will be the timings for Video KYC?

Here’s the detailed timings for video KYC at any nearest branch: Business Hours: 10.00 a.m. to 5.00 p.m. (Monday to Friday, 1st, 3rd and 5th Saturdays) (2nd and 4th Saturday and Sunday: Closed)

Is my investment in Unity Small Finance Bank FD safe?

Unity Small Finance Bank is regulated by the Reserve Bank of India (RBI) and follows the regulatory guidelines that ensure safe and secure deposits up to the specified limit under the Deposit Insurance and Credit Guarantee Corporation (DICGC) scheme. Before making any investments, please verify the bank's credentials and reputation.

Can I prematurely withdraw my FD before the completion of the tenure?

Yes, you can! Unity Small Finance Bank allows premature withdrawal of FD, which is subject to certain terms and conditions. However, premature withdrawal may cause a penalty, and the applicable interest rate may be changed accordingly. It's advisable to check the bank's policy regarding premature withdrawal before opening an FD.

Unity Small Finance Bank

Withdraw Anytime

Returns Upto8.50%
Tenure6M - 60M
RBI’s DICGC Insurance Upto₹5L

Your FD security is # 1 priorityRBI-backed DICGC Insured up to ₹5L

Reasons to invest

RBI-Regulated & Insured RBI-regulated bank with deposits DICGC insured up to ₹5 Lakh.
Business Scale Founded in 2021, operating 350+ branches across 20+ states, serving over 23 Lakh customers with an AUM of ₹12,470 Crore.
Financial Performance Reported a Profit After Tax (PAT) of ₹159 Crore as of March 31, 2026, with a Return on Managed Assets (RoMA) of 0.8%.
Capital Adequacy Capitalization remains robust, backed by a net worth of ₹1,987 Crore and a CRAR of 26.2% as of March 31, 2026—well above the regulatory requirement of 15%.

RBI-Regulated & Insured RBI-regulated bank with deposits DICGC insured up to ₹5 Lakh.
Business Scale Founded in 2021, operating 350+ branches across 20+ states, serving over 23 Lakh customers with an AUM of ₹12,470 Crore.
Financial Performance Reported a Profit After Tax (PAT) of ₹159 Crore as of March 31, 2026, with a Return on Managed Assets (RoMA) of 0.8%.
Capital Adequacy Capitalization remains robust, backed by a net worth of ₹1,987 Crore and a CRAR of 26.2% as of March 31, 2026—well above the regulatory requirement of 15%.

Key highlights

< 5L Insured by RBI Subsidiary
Your fixed deposit is insured up to 5L per bank by DICGC, 100% subsidiary of RBI
Withdraw anytime after 7 days
You can pre-mature your FD anytime after 7 days without any lock-in
Strong rating - CRISIL A1+
Your FD is issued by a RBI regulated entity which has a strong rating, indicating very low probability of defaults

Popular Choice

All Available Tenures

Compare FD returns of Top Banks vs Unity SFB

7.10%

7.05%

7.25%

8.50%

HDFC

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Unity SFB

About Unity Small Finance Bank

Created as a joint venture between Centrum Group and BharatPe in 2021, Unity SFB currently operates at a Capital Adequacy Ratio of 26.2%, far exceeding the regulatory requirement. It showcased a strong financial performance with Profit After Tax (PAT) of ₹159 Crore as of March 31, 2026.

Disclaimer: Interest rates shown are the highest rates available under cumulative deposits for the Individual category, including senior citizen rates where applicable, across all tenures. Rates are set by the issuer and may change.

Frequently asked questions

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