Highest 3-year FD rates for senior citizens compared
Interest rates on fixed deposits for senior citizens may differ depending on the type of bank and the tenure chosen. For the three-year tenure, public, private and small finance banks offer many interest rates. Here are the tables that provide comparisons of the highest 3-year senior citizen FD interest rates offered by small finance banks, private sector banks and public sector undertaking (PSU) banks.
Public sector banks (highest interest rates on 3-year senior citizen FD)
Several public sector banks offer FD interest rates ranging from 5.75% to 6.8% to senior citizens on the 3-year FD. Bank of India (7%), Punjab National Bank (6.8%) and State Bank of India (6.8%) offer the best rates.
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Private sector banks (highest interest rates on 3-year senior citizen FD)
Bandhan Bank, YES Bank, RBL Bank and SBM Bank India offer some of the highest FD interest rates for senior citizens on 3-year deposits, while popular banks such as HDFC Bank and ICICI Bank offer around 6.9% on the similar tenure.
Source- Paisabazaar, data as on April 1, 2026
Small finance banks (highest interest rates on 3-year senior citizen FD)
In India, small finance banks currently offer some of the highest fixed deposit (FD) interest rates, reaching up to 8% for a 3-year tenure. Jana Small Finance Bank and Utkarsh Small Finance Bank offer an 8% rate on the 3-year FD, making them among the top rate providers in this category.
Source- Paisabazaar, data as on April 1, 2026
Public sector banks (highest interest rates on 3-year senior citizen FD)
Several public sector banks offer FD interest rates ranging from 5.75% to 6.8% to senior citizens on the 3-year FD. Bank of India (7%), Punjab National Bank (6.8%) and State Bank of India (6.8%) offer the best rates.
Also Read: 8th Pay Commission implementation date: 8th CPC announces key deadlines, seeks employee, pensioner feedback
Also read: Will new TDS rules change your take-home salary from April 1, 2026? Key income tax-related changes in new financial year (FY26-27)
Private sector banks (highest interest rates on 3-year senior citizen FD)
Bandhan Bank, YES Bank, RBL Bank and SBM Bank India offer some of the highest FD interest rates for senior citizens on 3-year deposits, while popular banks such as HDFC Bank and ICICI Bank offer around 6.9% on the similar tenure.
Source- Paisabazaar, data as on April 1, 2026
Small finance banks (highest interest rates on 3-year senior citizen FD)
In India, small finance banks currently offer some of the highest fixed deposit (FD) interest rates, reaching up to 8% for a 3-year tenure. Jana Small Finance Bank and Utkarsh Small Finance Bank offer an 8% rate on the 3-year FD, making them among the top rate providers in this category.
Source- Paisabazaar, data as on April 1, 2026
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