Unity Small Finance Bank FD Interest Rates 2025: Complete Investment Guide
Key Highlights:
- Latest FD Rates: Up to 9.10% for senior citizens, 8.60% for regular customers
- Financial Performance: 38% YoY growth in AUM reaching ₹10,985 crore (FY24)
- Easy Investment: Invest directly through Finzace
- Deposit Security: DICGC insurance up to ₹5 lakh per depositor
What Is Unity Small Finance Bank? An Overview
Unity Small Finance Bank (USFB) has emerged as a standout player in India’s competitive banking sector, particularly for investors seeking higher returns on fixed deposits with institutional safety. Established under the Reserve Bank of India’s (RBI) financial inclusion initiative, USFB has rapidly gained traction by offering competitive interest rates on various financial products including fixed deposits, bonds, and digital gold.
What sets Unity Small Finance Bank apart is its digital-first approach combined with traditional banking stability. Through platforms like Finzace, investors can now access USFB’s high-yield financial products without the traditional requirement of opening a dedicated bank account—streamlining the investment process significantly.
Unity Small Finance Bank Financial Performance (FY 2024-25)
USFB has demonstrated remarkable financial strength and growth trajectory in recent quarters, making it an increasingly attractive option for conservative investors. Let’s examine the key financial metrics that showcase its stability:
Net Profit and Growth
- Q4 FY24: Net profit of ₹143 crore, a dramatic improvement from a ₹52 crore loss in the same period previous year
- Growth Driver: 55% increase in net interest income year-over-year
Assets and Deposits
- Assets Under Management: Grew by 38% YoY to reach ₹10,985 crore (FY24)
- Total Deposits: Surged by 84% to ₹11,952 crore, indicating strong customer trust
- Capital Adequacy Ratio: Maintained at 36.4%, far exceeding regulatory requirements
Asset Quality and Profitability
- Net Non-Performing Assets (NNPA): Impressively low at 0.6%
- Operating Profit Q4 FY24: ₹147 crore, nearly quadrupling from ₹37 crore YoY
- Net Interest Margin: Strong at 10.8%, reflecting efficient asset-liability management
These numbers reflect Unity Small Finance Bank’s solid foundation and prudent management, essential factors for any fixed deposit investor to consider.
Unity Small Finance Bank FD Interest Rates (Updated May 2025)
Unity Small Finance Bank offers some of the most competitive fixed deposit rates in the market, making it a preferred choice for risk-averse investors seeking reliable returns. Here’s the current rate structure:
| Tenure | Regular Rate (%) | Senior Citizen Rate (%) |
|---|---|---|
| 7 days | 4.50% | 4.50% |
| 15 days | 4.75% | 4.75% |
| 46 days | 5.75% | 6.25% |
| 61 days | 6.00% | 6.50% |
| 91days | 6.25% | 6.75% |
| 6 months 1 day | 7.00% | 7.50% |
| 1 year | 7.25% | 7.75% |
| 1 year 1 day | 7.50% | 8.00% |
| 501 days | 8.00% | 8.50% |
| 18 months | 7.75% | 8.25% |
| 701 days | 8.25% | 8.75% |
| 1001 days | 8.60% | 9.10% |
| 3 years 1 day | 8.15% | 8.65% |
| 5 years | 8.15% | 8.65% |
| 10 years | 7.00% | 7.50% |
Why Choose Unity Small Finance Bank Fixed Deposits?
1. Superior Interest Rates
USFB consistently offers interest rates that are 0.5-1.5% higher than most traditional banks, significantly enhancing your returns over longer tenures.
2. Regulatory Protection
As an RBI-regulated entity, Unity Small Finance Bank provides the security of deposit insurance through the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to ₹5 lakh per depositor.
3. Flexible Investment Options
- Tenure flexibility: Choose from 7 days to 10 years based on your financial goals
- Tax-saving options: Section 80C compliant tax-saver FDs available
- Loan facility: Option to take loans against your FD at competitive rates
4. Seamless Digital Experience
Through Finzace’s platform, you can invest in Unity Small Finance Bank FDs without:
- Opening a separate bank account
- Visiting any branch
- Dealing with extensive paperwork
How Unity Small Finance Bank Compares to Competitors
When compared to other leading banks and small finance banks, Unity Small Finance Bank consistently offers competitive advantages:
| Bank | 1-Year FD Rate | 3-Year FD Rate | Senior Citizen Bonus |
|---|---|---|---|
| Unity Small Finance Bank | 7.25% | 8.15% | +0.50% |
| Major Private Bank Average | 5.25% | 5.75% | +0.50% |
| Public Sector Bank Average | 5.00% | 5.50% | +0.25% |
| Other Small Finance Banks | 5.75% | 6.25% | +0.35% |
Rates as of May 2025
How to Invest in Unity Small Finance Bank FDs Through Finzace
Investing in Unity Small Finance Bank fixed deposits has never been easier. Follow these simple steps:
- Visit Finzace: Register or log in to your Finzace account
- Select Product: Choose Unity Small Finance Bank from the available options
- Pick Your FD: Select your preferred tenure and interest rate option
- Complete KYC: Upload necessary documents (one-time process)
- Fund Your Investment: Transfer the investment amount
- Receive Confirmation: Get your FD receipt and start earning interest
The entire process takes less than 10 minutes and can be completed entirely online.