Fixed deposit (FD) investors looking for better returns, here is some good news. Two small finance banks, Unity Small Finance Bank and AU Small Finance Bank, have revised their fixed deposit interest rates on select tenures, offering higher returns to depositors on these FDs. Here is a closer look at the latest FD rates offered by these two banks.
Unity Small Finance Bank FD interest rates
Unity Small Finance Bank Limited (Unity Bank) has increased the interest rates on its 501-day fixed deposit scheme with effect from June 11, 2026.
The bank now offers senior citizens an attractive rate of 8.30% p.a. on fixed deposits invested for 501 days, whereas general investors will earn 7.80% p.a. on the same FD, as per a statement from Unity Small Finance Bank.
Also read: Highest FD interest rates of 5 major banks: SBI, PNB, HDFC Bank, ICICI Bank and Bank of Baroda
On savings accounts, Unity Bank offers an interest rate of 7% p.a. for deposits greater than Rs 10 lakh and 6% p.a. for deposits greater than Rs 1 lakh and up to 10 lakh.
| Tenure | General FD Rate (% p.a.) | Senior Citizen FD Rate (% p.a.) |
| 7 - 14 Days | 4.00% | 4.00% |
| 15 - 45 Days | 4.00% | 4.00% |
| 46 - 60 Days | 4.75% | 5.25% |
| 61 - 90 Days | 5.00% | 5.50% |
| 91 - 164 Days | 5.00% | 5.50% |
| 165 Days - 6 Months | 5.50% | 6.00% |
| > 6 Months - 201 Days | 6.25% | 6.75% |
| 202 Days - 364 Days | 6.25% | 6.75% |
| 12 Months | 7.50% | 8.00% |
| 12 Months – 1 Day | 6.50% | 7.00% |
| >12 Months 1 Day - 500 Days | 6.50% | 7.00% |
| 501 Days | 7.80% | 8.30% |
| 502 Days - 18 Months | 6.75% | 7.25% |
| >18 Months - 700 Days | 6.75% | 7.25% |
| 701 Days | 6.75% | 7.25% |
| 702 Days - 998 Days | 6.75% | 7.25% |
| 999 Days - 34 Months | 6.75% | 7.25% |
| >34 Months - 36 Months | 6.75% | 7.25% |
| >36 Months - 60 Months | 6.75% | 7.25% |
| >60 Months - 120 Months | 6.00% | 6.50% |
Au Small Finance Bank FD interest rates
AU Small Finance Bank has increased the interest rate on its 30-month FD from 7.25% to 7.40%.
On the same FD, senior citizens will receive a 7.90% rate compared to the previous rate of 7.75%, as per the bank’s press release. The new FD rates are effective from June 10, 2026.
| Tenures | Interest Rates (per annum) |
| 7 Days to 1 Month 15 Days | 3.50% |
| 1 Month 16 Days to 3 Months | 4.75% |
| 3 Month 1 Day to 6 Months | 5.25% |
| 6 Months 1 Day to 12 Months | 6.35% |
| 12 Months 1 Day to 15 Months | 7.10% |
| 15 Months 1 Day to 18 Months | 7.00% |
| 18 months 1 days to 24 months | 7.00% |
| 24 Months 1 Day to 30 Months | 7.10% |
| 30 Months 1 Day to 36 Months | 7.40% |
| 36 Months 1 Day to 45 Months | 7.00% |
| 45 Months 1 Day to less than 60 Months | 6.75% |
| 60 Months to 120 Months | 6.75% |
