There’s good news for FD investors. Unity Small Finance Bank and AU Bank have increased interest rates on fixed deposit schemes for select tenures. With the new rates, FDs have once again become an attractive option for customers seeking safe investments. Let’s find out the details.
Fixed Deposit (FD) has always been considered a safe and reliable investment option in India. Especially at a time when there is volatility in the stock market, many investors resort to FD to earn better returns while keeping their money safe. Now a good news has come for FD investors. The country’s two leading small finance banks, Unity Small Finance Bank and AU Small Finance Bank, have increased the interest rates on FDs of select tenures. This will give investors an opportunity to earn more than before.
First of all, the bank has increased the interest rate on its popular 501 day FD scheme from June 11, 2026. Now general customers will get 7.80% annual interest on FD of this period, while senior citizens will be given the benefit of 8.30% annual interest. At present, this rate is considered quite attractive compared to many big government and private banks. This is why this FD scheme can become increasingly popular among investors looking for better returns.
Not only FD, Unity Bank is also offering attractive interest on its savings account. According to the bank, 7% per annum interest is being given on deposits of more than Rs 10 lakh and 6% per annum on deposits between Rs 1 lakh and Rs 10 lakh. In such a situation, this bank can become a better option for those who want to keep their money in a savings account.
Attractive interest rate on FD in Unity Bank
| Tenure | General Citizen FD Interest Rate | Senior Citizen FD Interest Rate |
|---|---|---|
| 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 – 184 days | 5.00% | 5.50% |
| 185 days – 6 months | 5.50% | 6.00% |
| More than 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% |
| More than 18 months – 700 days | 6.75% | 7.25% |
| 701 days | 6.75% | 7.25% |
| 702 days – 928 days | 6.75% | 7.25% |
| 929 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% |
Meanwhile, AU Small Finance Bank has revised its FD interest rates, providing relief to its customers. The bank has increased the interest rate on 30-month FDs from 7.25% to 7.40%. This rate is even more attractive for senior citizens. They will receive 7.90% annual interest on FDs of the same term, up from 7.75% previously. The new rates are effective June 10, 2026.
Looking at other FD schemes from AU Small Finance Bank, the bank offers the highest interest rates for tenors ranging from 30 months 1 day to 36 months. This will benefit investors who are looking for a safe, medium-term investment with a high return.
AU Small Finance Bank FD Interest Rate
| Tenure | Rate of Interest (per annum) |
|---|---|
| 7 days to 1 month 15 days | 3.50% |
| 1 month 16 days to 3 months | 4.75% |
| 3 months 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 day 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% |
Experts believe that in recent months, many banks have been revising their FD rates to attract deposits. Therefore, investors should compare interest rates across different banks before investing. Many banks offer additional interest benefits, especially for senior citizens, which can further increase their overall returns.
The new FD rates raised by Unity Small Finance Bank and AU Small Finance Bank could prove to be a golden opportunity for those seeking better returns on their investments without taking on significant risk. If you’re planning an FD in the near future, be sure to take a look at the new interest rates from these two banks.
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The post FD investors will now get returns up to 8.30%, these 2 banks have increased the interest. first appeared on informalnewz.
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