Earn up to 7.50% p.a. on a Unity SF Bank FD — booked 100% online on Finzace, insured by DICGC up to ₹5 lakh, starting at just ₹1,000.
General rate
7.50% p.a.
Senior citizen
8.00% p.a.
Min · Lock-in
₹1,000 · 7d
Insured up to ₹5L
Every deposit is covered by DICGC, an RBI subsidiary.
+0.50% for seniors
Extra interest for investors aged 60 and above.
Direct to bank
Maturity credited straight to your linked account.
Higher rates than most large banks, the safety of DICGC cover, and a booking flow that takes under five minutes — without ever opening a new savings account.
Book in under 5 minutes
100% paperless. PAN + Aadhaar KYC done digitally — no branch visit, no Video KYC for most deposits.
No new bank account
Use your existing bank account. We don't force a savings account on you just to earn a higher FD rate.
Up to 8.00% returns
Small finance banks offer materially higher rates than large PSU banks — fully insured up to ₹5 lakh.
Premature exit allowed
Need funds early? Withdraw after the 7-day lock-in. Liquidity when life demands it.
Zero platform fee
Finzace charges you nothing to book. Your full amount goes directly to the bank against your FD.
Track everything
See maturity dates, interest accruals and certificates in one dashboard across every FD you hold.
Rates are indicative and refreshed from the bank. Senior citizens earn an additional 0.40% p.a. across all tenures.
| Tenure | Deposit range | Interest rate (p.a.) |
|---|---|---|
7 - 90 days | ₹1,000 - ₹3 Cr | 4.25% |
91 - 180 days | ₹1,000 - ₹3 Cr | 5.50% |
181 - 364 days | ₹1,000 - ₹3 Cr | 6.25% |
12 months | ₹1,000 - ₹3 Cr | 8.25% |
15 monthsBest rate | ₹1,000 - ₹3 Cr | 8.50% |
24 months | ₹1,000 - ₹3 Cr | 8.40% |
30 months | ₹1,000 - ₹3 Cr | 8.10% |
36 months | ₹1,000 - ₹3 Cr | 8.00% |
60 months | ₹1,000 - ₹3 Cr | 7.75% |
Unity Small Finance Bank focuses on inclusive banking with a strong digital footprint, offering competitive FD rates backed by RBI regulation and DICGC deposit insurance for eligible accounts.
*Regulated by the Reserve Bank of India.
RBI
Regulated
₹5L
DICGC Cover
Digital
Paperless FD
Pan-India
Reach
From sign-up to confirmation in minutes — fully digital, fully secure.
Verify PAN & Aadhaar digitally. One-time, reusable across all FDs.
Pick amount, tenure and payout. See your maturity instantly.
Transfer directly to the bank via UPI or net-banking. No money sits with Finzace.
Get your FD certificate instantly and track maturity in your dashboard.
Drag up to 2 banks to compare — or tap on mobile. ₹1,00,000 · 30 months · indicative.
| Feature |  | Compare 1 | Compare 2 |
|---|---|---|---|
| Interest rate (p.a.) | 8.10% | — | — |
| Maturity · ₹1L · 30M | ₹1,22,199 | — | — |
| DICGC insurance | Up to ₹5 lakh | — | — |
| Booking process | 100% online, no new account | — | — |
| Platform fee | ₹0 | — | — |
Rates are indicative and may change. Always verify before investing.
Your money deserves the highest standards of safety and transparency.
RBI-regulated NBFC
Unity Small Finance Bank is registered with and regulated by the Reserve Bank of India.
DICGC insured up to ₹5 lakh
Principal + interest covered per depositor per bank by an RBI subsidiary.
Finzace never holds your money
Funds move directly to the bank. Finzace is a distribution platform, not a custodian.
Bank-grade encryption
Every transaction is protected with 256-bit SSL encryption.
Deposit Insurance & Credit Guarantee Corporation, a wholly-owned subsidiary of the RBI.
Indicative returns on ₹1,00,000 across tenures from 7 days to 1 year.
Expected returns
₹1,08,243
on ₹1,00,000Interest rate (p.a.)
8.00%
Applicable rate
You earn
₹8,243
on maturity
Interest rate (p.a.)
8.00%
Applicable rate
Indicative returns
Returns are indicative and based on the applicable rate. Actual returns may vary.
Your investment is safe with us
We prioritize the security of your money at every step.
All calculations are based on ₹1,00,000 investment amount.
Senior citizen FD rates (highest available per issuer · indicative)
7.05%
SBI
7.20%
HDFC Bank
7.35%
ICICI Bank
7.50%
Axis Bank
8.00%
Unity SF Bank
Rates are indicative. Senior citizen premium applied. Verify before investing.
Unity SF Bank • Quarterly compounding
Everything about booking a Unity SF Bank Fixed Deposit on Finzace.
Yes. Unity Small Finance Bank is RBI-regulated. Your deposit is subject to applicable safeguards and issuer terms.
No. You can book using your existing bank account. Finzace does not require you to open a new savings account just to invest in this FD.
In most cases, PAN and Aadhaar-based digital KYC is sufficient. Video KYC may be required only in specific cases as per the bank's policy.
Your investment is transferred directly to Unity Small Finance Bank. Finzace does not hold your funds — we are a distribution platform only.
Yes, premature withdrawal is generally allowed after the applicable lock-in period, subject to the bank's premature withdrawal policy and penalty, if any.
Senior citizens typically earn an additional 0.40% p.a. over general rates across tenures. The exact rate depends on the tenure you select.
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