Senior Citizen FD Rates: Banks Offering Up to 8% Interest on 3-Year Fixed Deposits
Despite a softening interest rate environment, a few banks continue to offer attractive fixed deposit (FD) interest rates of up to 8% for senior citizens (aged 60 years and above). These high-yield FD schemes are available for a three-year tenure, with a maximum investment limit of ₹3 crore.
Below is a list of banks currently providing FD interest rates as high as 8% for senior citizens:
Banks Offering Up to 8% FD Interest Rate for Senior Citizens
- Jana Small Finance Bank
Jana Small Finance Bank is offering an 8% interest rate on fixed deposits with a three-year tenure for senior citizen depositors. - Utkarsh Small Finance Bank
Utkarsh Small Finance Bank is also providing an 8% FD interest rate on three-year fixed deposits for senior citizens.
FD rates up to 7.7% for senior citizens
Ujjivan Small Finance Bank is offering 7.7% interest rate on FD with three-year term for senior citizens.
AU Small Finance Bank 7.60
Equitas Small Finance Bank 7.50
ESAF Small Finance Bank 6.50
Jana Small Finance Bank 8.00
Shivalik Small Finance Bank 7.50
slice Small Finance Bank 7.50
Suryoday Small Finance Bank 7.45
Ujjivan Small Finance Bank 7.70
Utkarsh Small Finance Bank 8.00
Source: Paisabazaar.com as of December 17, 2025
FD rates up to 7.6% for senior citizens
AU Small Finance Bank is offering 7.6% interest rate on FD with three-year term for senior citizens.
FD rates up to 7.5% for senior citizens
slice Small Finance Bank is offering 7.5% interest rate on FD with three-year term for senior citizens.
Similarly, Equitas Small Finance Bank is also offering 7.5% interest rate on FD with three-year term for senior citizens.
Also, Shivalik Small Finance Bank is offering 7.5% interest rate on FD with three-year term for senior citizens.
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