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	U Unity Small Finance	7.80%	8.30% Base + 0.50%	501 days ~1.4 years	Small Finance
3	S Shivalik Bank	7.80%	8.30% Base + 0.50%	~ 21m - 22m	Small Finance
4	U Utkarsh Small Finance	8.10%	8.25% Base + 0.15%	666 days ~1.8 years	Small Finance
5	E ESAF Small Finance	7.75%	8.25% Base + 0.50%	2y - 3y	Small Finance
6	E Equitas Small Finance	7.75%	8.25% Base + 0.50%	888 days ~2.4 years	Small Finance
7	S Suryoday Small Finance	8.10%	8.25% Base + 0.15%	30m	Small Finance
8	U Ujjivan Small Finance	7.55%	8.05% Base + 0.50%	~ 3y - 3y6m	Small Finance
9	D DCB Bank	7.50%	8.00% Base + 0.50%	24m - 25m	Private
10	J Jana Small Finance	7.50%	8.00% Base + 0.50%	2y - 3y	Small Finance
11	A AU Small Finance	7.40%	7.90% Base + 0.50%	~ 30m - 36m	Small Finance
12	M Mahindra Finance	7.45%	7.80% Base + 0.35%	48m	NBFC
13	S Slice Small Finance	7.75%	7.75%	~ 18m	Small Finance
14	Y Yes Bank	7.25%	7.75% Base + 0.50%	~ 18m - 24m	Private
15	B Bandhan Bank	7.25%	7.75% Base + 0.50%	2y - 3y	Private

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.