Best Senior Citizen Fixed Deposit Rates in India

Compare the highest Senior Citizen fixed deposit rates across top Indian banks. Find the best yield for your savings with peak returns updated for 2025.

Fixed Deposit Rankings

Rank	Bank Name	General Rate	Senior Citizen	Term	Bank Type
1	M Muthoot Capital	8.95%	9.20% Base + 0.25%	36m	NBFC
2	S Shivalik Bank	8.00%	8.50% Base + 0.50%	~ 23m - 27m	Small Finance
3	E Equitas Small Finance Bank	8.00%	8.50% Base + 0.50%	3y1d ~3 years	Small Finance
4	U Unity Small Finance Bank	7.80%	8.30% Base + 0.50%	501 days ~1.4 years	Small Finance
5	J Jana Small Finance Bank	8.00%	8.30% Base + 0.30%	2y - 3y	Small Finance
6	U Ujjivan Small Finance Bank	7.80%	8.30% Base + 0.50%	2y	Small Finance
7	U Utkarsh Small Finance Bank	8.10%	8.25% Base + 0.15%	666 days ~1.8 years	Small Finance
8	E ESAF Small Finance Bank	7.75%	8.25% Base + 0.50%	2y - 3y	Small Finance
9	S Suryoday Small Finance Bank	8.10%	8.25% Base + 0.15%	30m	Small Finance
10	S Senior Citizens Savings (SCSS)	0.00%	8.20% Base + 8.20%	5y	Gov. Scheme
11	S Sukanya Samriddhi	8.20%	8.20%	21y	Gov. Scheme
12	D DCB Bank	7.50%	8.00% Base + 0.50%	24m - 25m	Private
13	S Shriram Finance	7.50%	8.00% Base + 0.50%	36m - 60m	NBFC
14	B Bandhan Bank	7.45%	7.95% Base + 0.50%	2y - 3y	Private
15	A AU Small Finance bank	7.40%	7.90% Base + 0.50%	~ 30m - 36m	Small Finance

Investment Insight

Muthoot Capital leads this category with a peak rate of 9.20% (36 Months). Compare all 15 options to find the best fit for your investment goals.

Rates are sourced from official bank disclosures and updated regularly. Always verify with the respective institution before making investment decisions. Rankings are based on the highest advertised rate for the applicable tenure.