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image Union Unnati : CD Account for Women

1.Benefits :

  • Remittances: Unlimited Free
  • Concession: In locker rent & PoS
  • Cash handling charges: Higher free cash deposit limits
  • Critical Illness Cover: lumpsum payment of benefit on diagnosis of critical illness.


Average Balance

Rs 50,000/- 

Average Monthly Balance (AMB)

Type of Debit card

Rupay Platinum 

Debit Card

NIL issue charges

ATM Access at own ATM

Unlimited free

ATM Access at other Bank ATM

3 transactions (financial + non-financial) per month at Metro or 5 transactions (financial + non-financial) per month at other centers are Free


Free Cancer Care Insurance Coverage*

Sum assured of Rs 10 lakhs on detection of Breast, Ovarian or Cervical cancer (Insurance coverage start date :01-08-2023)

Free Personal Accident cover with account

Rs 10 Lakhs (Death)

Free Personal Accident Insurance (Death) with debit card

Rs 2 Lakhs (by Bank), Rs 2 Lakhs (additional by NPCI for RuPay Platinum Card)

Free Air Accident Insurance with debit card

Rs 50 Lakhs


Locker Rent*

50% concession in 1st year locker rent 


50% concession in first year rent 


SMS Charges

Unlimited Free


Unlimited Free

Ledger Folio Charges

Unlimited Free

Monthly statements


Personalized Cheque Leaves

FREE up to 100 leaves a year.

Cash deposit charges Base /Non-Base Branch: 

Up to Rs.50,000/- (per Day) over and above daily deposit limit, with maximum capping of 15,00,000 (per month): NIL

Cash management Services

At competitive rates


QR Code

Available (Free of Cost) 


  • *The concessions offered in Union Unnati shall be available to depositors only if stipulated AMB is maintained. Only Female above age of 18 years are allowed for opening Unnati (individual) account.


3.Eligibility : Women Individuals & Sole Proprietorship (Women proprietor)

4.Document Required : If a woman wants to open a current account for business under Union Unnati with Union Bank of India, she must submit the documents as per KYC AML guidelines.


  • Can a Union Unnati Current Account be opened for a partnership firm with women partners or a pvt ltd company with women directors?

Ans- No. Union Unnati Current Accounts can be only opened for female individuals or Sole proprietorship accounts. For proprietorship, female should be the proprietor.

  • If a women individual opens both Union Samriddhi and Unnati accounts whether concessions offered with individual schemes be available on cumulative basis?

Ans- NO. Concessional features shall not be available on a cumulative basis. For instance, a female individual opening both Union Samriddhi and Union Unnati accounts will be eligible of 50% locker rent concession only (for 1st year).

  • Whether joint holder in Union Unnati account can be a male? 

Ans- Yes. However, in case of individuals, name of woman should be first.