Best Senior Citizen Fixed Deposit Rates in India
Compare the highest Senior Citizen fixed deposit rates across top institutions. Find the best yield for your savings with peak returns updated for 2026.
Note:Indian banks offer senior citizens (aged 60+) an additional 0.25% to 0.75% interest over general FD rates.
Fixed Deposit Rankings
Rank | Bank Name | General Rate | Senior Citizen | Term | Bank Type |
|---|---|---|---|---|---|
| 1 | 8.95% | 9.20% +0.25% | 36 Months | NBFC | |
| 2 | 8.10% | 8.60% +0.50% | 3y - 3y6m | Small Finance | |
| 3 | 8.00% | 8.50% +0.50% | 501 Days | Small Finance | |
| 4 | 8.00% | 8.50% +0.50% | 26 Months 8 Days | Small Finance | |
| 5 | 8.00% | 8.50% +0.50% | 3 Years 1 Day | Small Finance | |
| 6 | 8.25% | 8.50% +0.25% | 5 Years | Small Finance | |
| 7 | 7.85% | 8.35% +0.50% | 36 - 60 months | NBFC | |
| 8 | 8.00% | 8.30% +0.30% | 3 Years | Small Finance | |
| 9 | 8.10% | 8.25% +0.15% | 666 Days | Small Finance | |
| 10 | 8.00% | 8.25% +0.25% | 23 - 27 months | Small Finance | |
| 11 | Senior Only | 8.20% | 5 Years | Govt Scheme | |
| 12 | 8.20% | 8.20% | 21 Years | Govt Scheme | |
| 13 | 7.75% | 8.15% +0.40% | 31 - 60 months | NBFC | |
| 14 | 7.50% | 8.00% +0.50% | 36 Months | NBFC | |
| 15 | 7.50% | 8.00% +0.50% | 60 - 61 months | Private | |
| 16 | 7.45% | 7.95% +0.50% | 2 - 3 years | Private | |
| 17 | 7.40% | 7.90% +0.50% | 30 - 36 months | Small Finance | |
| 18 | 7.30% | 7.80% +0.50% | 18m - 2y | Foreign | |
| 19 | 7.45% | 7.80% +0.35% | 48 Months | NBFC | |
| 20 | 7.75% | 7.75% | 1.5 - 2 years | Small Finance |
Rates are sourced from official 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.