Put your savings to work with confidence. ELS Unnati Fixed Deposit delivers competitive interest rates and versatile tenure choices to help you build wealth steadily over time. Backed by a strong credit rating of AA+/Stable by ICRA and IND AA+/Stable by India Ratings & Research, it stands as a dependable and secure avenue for investment.
You can begin your wealth-building journey with as little as ₹5,000. Earn returns of up to 7.80%* p.a., with added advantages available for senior citizens and women depositors.
Watch your money multiply with interest rates reaching up to 7.80%* p.a.
Depositors aged 60 and above enjoy an extra 0.50%* p.a. on top of standard FD rates.
Women depositors receive an additional 0.10%* p.a. over and above the regular FD rates.
Pick from a wide range of investment tenures spanning 12 to 60 months.
Select your preferred interest payout schedule — monthly, quarterly, half-yearly, yearly, or on maturity.
Enjoy stable, predictable returns that keep your short- and long-term financial goals on track.
| Parameter | Fixed Deposit (ELS) | Stocks / Equity | Mutual Funds | Savings Account |
|---|---|---|---|---|
| Returns | Assured up to 7.80%* p.a. | Fluctuating (market-driven) | Fluctuating (market-driven) | 2.5% – 4% p.a. |
| Capital Safety | ✔ High | ✘ Subject to market risk | ✘ Subject to market risk | ✔ High |
| Market Influence | ✔ Nil | ✘ High | ✘ Moderate to High | ✔ Nil |
| Regular Income Option | ✔ Monthly / Quarterly | ✘ Via dividends only | Available via SWP | ✘ Not available |
| Ease of Investment | ✔ Straightforward, minimal paperwork | Requires Demat account | Requires KYC | ✔ Straightforward |
| Loan Facility | ✔ Up to 75%* | Only via margin pledge | Restricted | ✘ Not available |
| Best Suited For | Risk-averse investors | High-risk appetite investors | Balanced-risk investors | Everyday liquidity needs |
Estimate your expected returns using our easy FD calculator
Non-Cumulative
Start your ELS Fixed Deposit online in just six quick steps through the website or the ELS One app.
Go to
Investments → FD
Sign up with Mobile & OTP
Provide Amount, Tenure & PAN
Complete your KYC
Proceed with Payment
Get your FD Receipt
| Tenure | General Depositor | Senior Citizen (+0.50%) | Women Depositor (+0.10%) |
|---|---|---|---|
| 12 Months | 7.00% | 7.50% | 7.10% |
| 24 Months | 7.20% | 7.70% | 7.30% |
| 36 Months | 7.40% | 7.90% | 7.50% |
| 48 Months | 7.50% | 8.00% | 7.60% |
| 60 Months | 7.60% | 8.10% | 7.70% |
Ground Floor, Murlidhar Co-op Housing Society, Phadke Road, Near Godbole Hospital, Thane (W.) 400602
