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Investors looking for a safe investment option with attractive returns have received good news. Unity Small Finance Bank has revised its fixed deposit (FD) interest rates, offering higher returns on selected tenures. The revised rates came into effect on June 11, 2026, and are expected to attract both regular investors and senior citizens seeking stable income.

Among the updated schemes, the bank's 501-day fixed deposit has emerged as the most rewarding option, particularly for senior citizens.

501-Day FD Offers Highest Returns

According to the latest rate chart released by the bank, customers investing in a 501-day fixed deposit can earn some of the highest FD returns currently available in the small finance banking sector.

Revised Interest Rates

The special tenure has become the bank's flagship deposit product, offering significantly higher returns than many traditional fixed deposit schemes.

For conservative investors who prioritize capital protection while seeking better returns, this FD tenure could be worth considering.

One-Year Fixed Deposit Also Offers Attractive Returns

Apart from the special 501-day scheme, the bank has also announced competitive rates on one-year deposits.

Interest Rates on 1-Year FD

These rates provide another option for investors who prefer shorter investment horizons without compromising much on returns.

Rates for Medium-Term Deposits

Customers planning to keep their money invested for longer durations can also benefit from the bank's medium-term deposit schemes.

For fixed deposits ranging from 502 days to 60 months, the following rates are being offered:

Although these rates are lower than the special 501-day scheme, they may suit investors looking for longer-term stability and predictable returns.

Savings Account Holders Also Benefit

The bank has not limited attractive returns only to fixed deposits. Customers maintaining higher balances in their savings accounts can also earn competitive interest.

Savings Account Interest Structure

This tier-based structure allows customers with larger balances to earn better returns on idle funds while maintaining liquidity.

Keep Premature Withdrawal Rules in Mind

Before investing, customers should carefully understand the bank's premature withdrawal policy.

If a fixed deposit or recurring deposit is closed before its maturity date, the applicable interest rate will be reduced by an additional penalty of 1%. This could lower the overall return on investment, making it important for investors to choose a tenure that matches their financial needs.

Why Have Rates Been Increased?

The bank says the revised rates are aimed at helping customers take advantage of the current interest-rate environment. With many investors searching for low-risk investment opportunities, higher FD rates are expected to provide an attractive balance between safety and returns.

For senior citizens in particular, the new 8.30% interest rate on the 501-day deposit scheme stands out as one of the more attractive fixed-income options currently available in the market.

Investors planning to park funds in a secure instrument may want to compare these revised rates with offerings from other banks before making a final decision.