FD rate up to 8% for senior citizens: Check list
Senior citizens looking for stable and fixed income still have some attractive fixed deposit options to choose from. At a time when many leading banks and small finance banks have slashed their FD interest rates, a few banks continue to offer FD rates of up to 8% on their five-year senior citizen FDs.
Public and private sector banks and small finance banks offer different interest rates for the FD of the same duration. Here’s a closer look at the banks and small finance banks currently providing the highest five-year FD interest rates for senior citizens.
Highest 5-year FD interest rate for senior citizens (Small finance banks)
FD rate up to 8%
Suryoday Small Finance Bank is offering 8% interest rate on its five-year senior citizen FD.
FD rate up to 7.77%
Jana Small Finance Bank is providing a 7.77% interest rate on its five-year fixed deposit scheme for senior citizens.
FD rate up to 7.7%
Ujjivan Small Finance Bank is providing a 7.7% interest rate on its five-year senior citizen fixed deposit scheme.
Also read: CA cautions investors for 2026, advises them to follow his two-step strategy for financial security, returns
Small finance banks – 5-year FD rates (highest to lowest)
Suryoday Small Finance Bank – 8.00%
Jana Small Finance Bank – 7.77%
Ujjivan Small Finance Bank – 7.70%
Utkarsh Small Finance Bank – 7.50%
Equitas Small Finance Bank – 7.50%
slice Small Finance Bank – 7.25%
AU Small Finance Bank – 7.25%
Shivalik Small Finance Bank – 6.75%
ESAF Small Finance Bank – 6.25%
Highest FD interest rate for senior citizens (private sector banks)
IDFC Bank, Yes Bank and SBM Bank India are offering a 7.5% interest rate each on their five-year fixed deposits for senior citizens.
Private sector banks – 5-year FD rates (highest to lowest)
IDFC First Bank – 7.50%
YES Bank – 7.50%
SBM Bank India – 7.50%
DCB Bank – 7.25%
Axis Bank – 7.20%
RBL Bank – 7.20%
IndusInd Bank – 7.15%
ICICI Bank – 7.10%
Jammu & Kashmir Bank – 7.10%
Tamilnad Mercantile Bank – 7.10%
Federal Bank – 6.90%
HDFC Bank – 6.90%
Kotak Mahindra Bank – 6.75%
DBS Bank – 6.75%
IDBI Bank – 6.75%
Bandhan Bank – 6.60%
City Union Bank – 6.50%
Karnataka Bank – 6.55%
CSB Bank – 6.05%
South Indian Bank – 6.20%
Highest five-year FD interest rate for senior citizens (PSU banks)
State Bank of India is offering a 7.05% FD interest rate on its 5-year senior citizen FD. While Bank of Baroda is offering a 6.9% rate, Bank of India and Canara Bank are offering a 6.75% rate each on their five-year FDs for senior citizens.
Public sector banks – 5-year FD rates (highest to lowest)
State Bank of India – 7.05%
Bank of Baroda – 6.90%
Canara Bank – 6.75%
Bank of India – 6.75%
Punjab National Bank – 6.60%
Indian Overseas Bank – 6.60%
Indian Bank – 6.50%
Central Bank of India – 6.50%
Punjab & Sind Bank – 6.45%
Union Bank of India – 6.40%
Bank of Maharashtra – 5.50%
Public and private sector banks and small finance banks offer different interest rates for the FD of the same duration. Here’s a closer look at the banks and small finance banks currently providing the highest five-year FD interest rates for senior citizens.
Highest 5-year FD interest rate for senior citizens (Small finance banks)
FD rate up to 8%
Suryoday Small Finance Bank is offering 8% interest rate on its five-year senior citizen FD.
FD rate up to 7.77%
Jana Small Finance Bank is providing a 7.77% interest rate on its five-year fixed deposit scheme for senior citizens.
FD rate up to 7.7%
Ujjivan Small Finance Bank is providing a 7.7% interest rate on its five-year senior citizen fixed deposit scheme.
Also read: CA cautions investors for 2026, advises them to follow his two-step strategy for financial security, returns
Small finance banks – 5-year FD rates (highest to lowest)
Suryoday Small Finance Bank – 8.00%
Jana Small Finance Bank – 7.77%
Ujjivan Small Finance Bank – 7.70%
Utkarsh Small Finance Bank – 7.50%
Equitas Small Finance Bank – 7.50%
slice Small Finance Bank – 7.25%
Shivalik Small Finance Bank – 6.75%
ESAF Small Finance Bank – 6.25%
Highest FD interest rate for senior citizens (private sector banks)
IDFC Bank, Yes Bank and SBM Bank India are offering a 7.5% interest rate each on their five-year fixed deposits for senior citizens.
Private sector banks – 5-year FD rates (highest to lowest)
IDFC First Bank – 7.50%
SBM Bank India – 7.50%
DCB Bank – 7.25%
Axis Bank – 7.20%
RBL Bank – 7.20%
IndusInd Bank – 7.15%
ICICI Bank – 7.10%
Jammu & Kashmir Bank – 7.10%
Tamilnad Mercantile Bank – 7.10%
Federal Bank – 6.90%
HDFC Bank – 6.90%
Kotak Mahindra Bank – 6.75%
DBS Bank – 6.75%
IDBI Bank – 6.75%
Bandhan Bank – 6.60%
City Union Bank – 6.50%
Karnataka Bank – 6.55%
CSB Bank – 6.05%
Highest five-year FD interest rate for senior citizens (PSU banks)
State Bank of India is offering a 7.05% FD interest rate on its 5-year senior citizen FD. While Bank of Baroda is offering a 6.9% rate, Bank of India and Canara Bank are offering a 6.75% rate each on their five-year FDs for senior citizens.
Public sector banks – 5-year FD rates (highest to lowest)
Bank of Baroda – 6.90%
Canara Bank – 6.75%
Bank of India – 6.75%
Punjab National Bank – 6.60%
Indian Overseas Bank – 6.60%
Indian Bank – 6.50%
Central Bank of India – 6.50%
Punjab & Sind Bank – 6.45%
Union Bank of India – 6.40%
Bank of Maharashtra – 5.50%
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