1. Open the Upstox app and go to the ‘More’ section, then tap on ‘Fixed Deposits’.

2. Under the ‘Explore’ section, you’ll see a list of top-return FDs. Select either ‘Suryoday Small Finance Bank’ or ‘Unity Small Finance Bank’ to proceed.

3. Review the details and tap ‘Invest’ to proceed.

4. Security Permission (only for first-time FD users):

• A message will appear asking for permission to send an SMS or make/manage phone calls
• Tap ‘Continue to send SMS’
• When prompted, tap ‘Allow’ so your Aadhaar-linked mobile number can be detected
• Select your number and tap ‘Continue’ to complete the registration.

5. Enter the investment amount and tenure. Tap ‘Continue’.

6. Review your full FD summary. Tap ‘Confirm to buy’ to proceed.

Choose from various payment options (UPI, net banking, etc.).

Important: Don’t close the screen or hit back while the payment is processing.

Complete Video KYC: This is a one-time verification process per bank. Users must complete Video KYC before investing in an FD with that particular bank.

7. After a successful transaction, tap on ‘View Orders’.

8. You can track your FD under Fixed Deposits > Portfolio.