Saving Accounts

For your daily transfers, payments and savings, Unity Small Finance Bank understands that customers want more than just interest and safety on deposits.


Unity classic saving account programme – a bundled product offering of Saving Account, Fixed Deposits, Recurring Deposits & Lockers to give you a one stop access for all your daily banking needs!


Average Monthly balances

Minimum Rs 10,000/- at Urban & Metro locations & Rs 5000/- in Semi urban & Non metro locations.


Attractive Interest Rates

Earn up to 7% interest# on your saving account balance.


Free at par cheque

Avail 25 cheque leafs free per month.


Dedicated relationship manager

Skilled guidance & service provided by our dedicated team.


Digital Banking*

Skilled guidance & service Enjoy phone banking, net banking & mobile banking.


Product suite

Wide range of products such as Lockers, Fixed Deposits, Recurring Deposits and much more.

*Coming soon

#for balance over Rs.1 Lakh

Eligibility Criteria

a) Resident individuals (sole or joint account) .

b) Hindu undivided families.

c) Minors under natural/legal guardianship.

d) Trusts , societies, Government.

Interest rates & charges

Particulars Rate of Interest
Saving account balance up to 1 lakh 6.00%
Saving account balance above 1 lakh 7.00%

We offer interest rates as high as 7% per annum & paid only monthly basis.

*Rates are subject to change

Free look period. No service / transaction charges will be levied until 30th September 2023.


1. What is the minimum average monthly balance (AMB) requirement?

The minimum average monthly balance requirement in an Unity Classic Saving Account is Rs. ₹10,000/-

2. How is the Average Monthly balance (AMB) calculated?

Average Monthly Balance is calculated by dividing the sum of all ‘End of Day’ balances in a month by the number of days in that month.

3. What is the eligibility for opening Classic Saving account?

Unity Classic Saving Account is available to all. Everyone from minors to senior citizens can open an account with us.

4. What is FATCA declaration?

FATCA stands for Foreign Account Tax Compliance Act. As per RBI guidelines, all banks have to collect FATCA from every customer who opens a Savings Account with us. FATCA came into being to combat tax evasion and to ensure strict adherence to tax rules. Its main objective is to identify and prevent offshore tax avoidance by US citizens or residents.

5. Can I ask for an e-statement from the bank?

Yes, you can ask the bank to send you an e-statement on your registered email id.