Best senior citizen FD rates · November 2026

RBI mandates banks to offer senior citizens (age 60+) a higher interest rate, typically 0.25–0.75% above general rates. Compare all banks and pick the best rate for your tenure.

Best rates by tenure for senior citizens

Age 60+ · below ₹3 crore · pick the tenure that suits you

All banks ranked: 1-year senior FD

Age 60+ · below ₹3 crore · Dataset refreshed 14 Nov 2026

#BankRateApplies to
1 10.50% 1 year to 2 years
2 9.50% 1 year to 4 years
3 9.50% 365 days to 1095 days
4 9.50% 1 year · Single deposit of ₹5 lakh and above
5 9.25% 1 year to less than 2 years
6 9.25% 12 months
7 9.10% 1 year to less than 2 years
8 9.00% 1 year to less than 2 years
9 9.00% 1 year to 2 years
10 8.85% 1 year and above upto 2 years
11 8.75% 1 year to 2 years
12 8.75% 1 years to 2 years
13 8.75% 12 months to 23 months
14 8.75% 1 year to less than 2 years
15 8.75% 1 year to less than 2 year
16 8.60% 1 year to 2 years
17 8.60% 1 year
18 8.55% 365 days
19 8.50% 1 year to 2 years
20 8.50% 1 years
21 8.50% 1 year to less than 3 years
22 8.50% 365 DAYS TO 36 MONTH
23 8.50% 1 year to 2 years
24 8.50% 1 year to 3 years
25 8.50% 1 years to 2 years
26 8.50% 1 year to 3 years
27 8.50% 365 - 730 days
28 8.50% 12 months to less than 24 months
29 8.50% 1 year to Less than 2 year
30 8.50% 1 year to 2 years
31 8.50% 1 year to 2 years
32 8.50% 12 months to 12 months
33 8.50% 1 year - 3 years
34 8.50% 1 year to less than 3 years
35 8.50% 1 year to 2 years
36 8.50% 12 months to 24 months
37 8.50% 1 year to less than 3 years
38 8.50% 1 year to Less than 2 years
39 8.50% 1 year to less than 2 years
40 8.50% 1 years and above
41 8.50% 360 days to 719 days
42 8.50% 12 months to 24 months
43 8.50% 1 YEAR up to 3 YEARS
44 8.50% 1 year
45 8.50% 1 year to less than 2 year
46 8.50% 365 days · FDL deposit
47 8.50% 1 year
48 8.50% 1 year up to 2 years
49 8.50% 1 years and above
50 8.50% 1 year to less than 5 years
51 8.50% 1 year to less than 3 years
52 8.40% 1 year to 3 years
53 8.35% 1 year up to less than 2 year
54 8.25% 1 year to 5 years
55 8.25% 365 days to 3 years
56 8.25% 1 year to less than 2 years
57 8.25% 1 to 2 years
58 8.25% 1 to 2 years
59 8.25% 1 year to less than 3 years
60 8.25% 365 days to 365 days
61 8.25% 365 days
62 8.25% 12 months to 24 months
63 8.25% 1 to 2 years
64 8.25% 12 months to 36 months
65 8.25% 365 days
66 8.25% 12 months to 24 months
67 8.25% 12 months
68 8.25% 365 days to less than 2 years
69 8.25% 1 year to 2 years
70 8.25% 1 year to 3 years
71 8.25% 1 year to 3 years
72 8.25% 365 to 3 years
73 8.25% 1 year to less than 3 years
74 8.25% 1 year to less than 15 months
75 8.25% 1 year up to 3 years
76 8.25% 1 year up to 3 years
77 8.25% 365 days
78 8.25% 1 year
79 8.25% 1 year to 2 years
80 8.25% 1 year to less than 2 years
81 8.25% 1 to 3 years
82 8.20% 1 to 3 years
83 8.20% 1 year to 3 years
84 8.15% Exactly 1 year
85 8.10% 1 to 10 years
86 8.10% 1 year to less than 2 years
87 8.10% 1 year
88 8.10% 12 months to less than 24 months
89 8.10% 365 days
90 8.10% 1 year to 3 years
91 8.10% 1 year to less than 3 years
92 8.10% 1 year to 18 months
93 8.10% 1 year to less than 3 year
94 8.05% 1 year to less than 2 years
95 8.00% 1 year
96 8.00% 1 year and above
97 8.00% 1 year to below 2 year
98 8.00% 1 year
99 8.00% Term (365 days)
100 8.00% 12 months to 24 months
101 8.00% 1 to 2 years
102 8.00% 365 days and above
103 8.00% 1 year
104 8.00% 1 year to 2 years
105 8.00% 1 year to less than 2 years
106 8.00% 1 year to 3 years
107 8.00% 1 year
108 8.00% 1 year to less than 3 years
109 8.00% 1 year to 399 days
110 8.00% 1 year to less than 3 years
111 8.00% 1 year
112 8.00% 1 to 2 years
113 8.00% 1 year to 3 years
114 8.00% 1 to 2 years
115 8.00% 1 year to 2 years
116 8.00% 365 days to 24 months
117 8.00% For 1 year
118 8.00% 01 year to 03 year
119 8.00% 181 to 1 year
120 8.00% 1 year and above
121 8.00% 1 year and above
122 8.00% 1 to 2 years
123 8.00% 361 days to 730 days
124 8.00% 180 days to 1 year
125 8.00% 1 to 2 years
126 8.00% 1 year
127 8.00% 1 to 2 years
128 8.00% 365 days to 730 days
129
Samata Sahakari Bank Ltd.
Co-op Maharashtra
8.00% 1 year to less than 2 years
130 8.00% 1 YEAR TO LESS THAN 2 YEARS
131 8.00% 12 months
132 8.00% 12 months to less than 24 months
133 8.00% 365 days to 2 years
134 8.00% 1 year
135 8.00% 1 YEARS to 2 YEARS
136 8.00% 1 year to less than 2 year
137 8.00% 1 year to 2 years
138 8.00% 1 year to 2 years
139 8.00% 1 year and above
140 8.00% 1 year to 3 years
141 8.00% 1 year to Less than 2 year
142 8.00% 1 year to 2 years
143 8.00% 12 months to Less than 36 months
144 8.00% 1 year to 2 years
145 8.00% 1 YEAR AND ABOVE
146 8.00% 1 year to less than 2 years
147 8.00% 1 year to less than 3 years
148 8.00% 1 year (365 days)
149 8.00% 12 months to 24 months
150 8.00% 12 months to less than 2 years
151
Unity Small Finance Bank
Small Finance Nationwide
8.00% 12 months
152 8.00% 1 year to 2 years
153 8.00% 1 to 3 years
154 7.85% 1 year to less than 2 years
155 7.85% 1 year to less than 2 years
156 7.85% 1 year to less than 2 year
157 7.80% 1 to 2 years
158 7.80% 1 to less than 2 years
159
Jana Small Finance Bank
Small Finance Nationwide
7.80% >1 year - 2 years (730 days)
160 7.80% 1 year and above
161 7.80% 1 year to Below 2 year
162 7.80% 1 year to Less than 2 year
163 7.80% 1 to 2 years
164
Andaman & Nicobar State Co-operative Bank
Co-op Andaman and Nicobar Islands
7.75% 1 year to less than 5 years
165 7.75% 1 year to 2 years
166 7.75% 1 to 2 years
167 7.75% 365 days · 365-day deposit
168 7.75% 1 to 2 years
169 7.75% 1 year to less than 2 years
170 7.75% 1 to 2 years
171 7.75% 1 year to less than 2 years
172 7.75% 1 year to less than 3 years
173 7.75% 1 to 3 years
174 7.75% 12 months to 24 months
175 7.75% 1 year to less than 3 years
176 7.75% 1 year to less than 2 years
177 7.75% 1 year to 2 years
178 7.75% 181 days to 365 days
179 7.75% 1 year to 3 years
180 7.75% 365 days and above
181 7.75% 1 year to 2 years
182 7.75% 1 year to less than 2 years
183 7.75% 1 year to less than 2 years
184 7.75% 1 year
185 7.75% 181 days to 365 days
186 7.75% 1 year to less than 3 years
187 7.75% 1 year to less than 2 years
188 7.75% 1 year to less than 2 years
189 7.75% 1 year to 2 years
190 7.75% 1 year to less than 2 years
191 7.75% 1 year to less than 2 years
192 7.75% 12 months to less than 24 months
193 7.75% 1 year to less than 2 years
194 7.75% 1 year to less than 2 years
195 7.75% 1 year
196 7.75% 1 year
197 7.75% 1 year to below 2 years
198 7.75% 1 year to Less than 2 years
199 7.75% 1 year to less than 2 year
200 7.75% 12 months to below 24 months
201 7.75% 1 year to below 2 years
202 7.75% 1 year to 3 years
203 7.75% 1 YEAR TO UNDER 2 YEARS
204 7.75% 1 year to less than 2 years
205 7.75% 1 year and Above
206 7.75% 1 YEAR TO 2 YEARS
207 7.75% 1 year
208 7.75% 1 year to less than 2 years
209 7.75% 12 month and above
210 7.75% 1 year to less than 3 years
211 7.75% 12 months to 23 months
212 7.75% 1 year to less than 2 years
213 7.75% 1 year to less than 2 years
214
Ujjivan Small Finance Bank
Small Finance Nationwide
7.75% 1 year to < 2 years
215 7.75% 1 years to less than 2 years
216 7.70% 1 year
217 7.70% 1 year
218 7.70% 1 to 2 years
219 7.70% 12 months · Dhanalakshmi Deposit Scheme 2026 (19-10-2026 to 15-11-2026)
220 7.70% 1 year to less than 2 years
221 7.65% 1 year
222 7.65% 1 year to 5 year
223 7.65% 1 to less than 2 years
224 7.65% 12 months to 23 months
225 7.65% 1 year to less than 2 years
226
AU Small Finance Bank
Small Finance Nationwide
7.60% 12 months 1 day to 15 months
227
Equitas Small Finance Bank
Small Finance Andhra Pradesh +17 states
7.60% 1 year to 443 days
228 7.60% 1 to 2 years
229 7.60% 1 year to 2 years
230 7.60% 1 year · Non-callable deposit
231 7.60% 1 year to below 2 years
232 7.60% 1 to 2 years
233 7.60% 1 to 2 years
234 7.60% 1 year
235
SBM Bank (India) Ltd.
Foreign Maharashtra
7.60% 365 days to 366 days
236 7.60% 12 months
237 7.60% 12 months to under 24 months
238 7.60% 1 year to 2 years
239 7.60% 1 year
240 7.60% 12 months to 23 months
241 7.60% 1 year to less than 2 years
242 7.55% 365 days to 729 days
243 7.55% 1 year to 2 years
244 7.50% 181 days to 365 days
245 7.50% 1 year to 2 years
246 7.50% 181 days to 12 months
247
Andhra Pradesh Grameena Bank
Rural Andhra Pradesh
7.50% 1 year to < 2 years
248
Bandhan Bank
Private Nationwide
7.50% 1 year
249 7.50% 1 year to less than 2 years
250 7.50% 1 year
251 7.50% 1 year to 2 years
252 7.50% 1 year to less than 2 years
253 7.50% 1 year to less than 2 years
254 7.50% 12 months to 18 months
255
Capital Small Finance Bank
Small Finance Chandigarh +7 states
7.50% 1 year to less than 5 years
256 7.50% 12 months
257 7.50% 1 year to less than 2 years
258 7.50% 1 year and above
259 7.50% 12 months to 14 months
260 7.50% 181 days to 1 years
261 7.50% 1 year to less than 13 months
262 7.50% 1 to 2 years
263 7.50% 181 to 365 days
264 7.50% 1 year to less than 2 years
265
Krishna Bhima Samruddhi Local Area Bank Ltd.
Local Area Bank Telangana +2 states
7.50% 181 days to 365 days
266 7.50% 12 months to 24 months
267 7.50% 1 year to 2 years
268 7.50% 181 days to 1 year
269 7.50% 181 days to 365 days
270 7.50% 1 year TO 2 years
271 7.50% 1 year to 2 year
272 7.50% 1 to 3 years
273 7.50% 181 DAYS TO 365 DAYS
274 7.50% 1 to 2 years
275 7.50% 12 months to 18 months
276 7.50% 1 year to less than 2 years
277 7.50% 1 year to 2 years
278 7.50% 1 year to Less than 2 year
279 7.50% 1 years and above
280 7.50% 365 days to 729 days
281 7.50% 1 to 2 years
282 7.50% 12 months to 24 months
283 7.50% 1 year to 2 years
284 7.50% 1 year to 554 days · Non-Cumulative
285 7.50% 12 months to 2 years
286 7.50% 1 year to less than 2 year
287 7.50% 1 year and above upto 3 years
288 7.50% 12 months to 24 months
289 7.50% 1 to 2 years
290 7.50% 1 year to less than 2 years
291 7.50% 181 days to 1 year
292 7.50% 365 to 454 days
293 7.50% 1 year to less than 2 years
294 7.50% 1 year to less than 2 years
295 7.50% 1 to 2 years
296 7.50% 12 months to 24 months
297 7.50% 1 year
298 7.50% 12 months to less than 24 months · Amrutkumbh cumulative
299 7.50% 1 year to 10 years
300 7.50% For 12 month
301 7.50% 1 to 2 years
302 7.50% 1 years to 5 years
303 7.50% From 365 days to 554 days
304 7.50% 1 year
305 7.50% 12 months to 3 years
306 7.50% 12 months to 35 months
307 7.50% 1 year to less than 2 years
308 7.50% 181 days upto 1 year
309 7.50% 365 days to 730 days
310 7.50% 365 days and above
311 7.50% 181 days to 1 year
312 7.50% 181 days to 1 year
313 7.50% 1 year to less than 3 years
314 7.50% 365 days to 365 days
315 7.50% 1 year to 3 years
316 7.50% 1 year to less than 3 years
317 7.50% 1 year to less than 2 years
318 7.50% 1 YEAR TO 2 YEARS
319 7.50% 1 year to 2 years
320 7.50% 1 year to 2 years
321 7.50% 12 months to 60 months
322 7.50% 181 days to 1 year
323 7.50% 1 YEAR TO 2 YEAR BELOW
324 7.50% 1 year to 2 years
325 7.50% 1 year to less than 15 months
326 7.50% 365 days to 1825 days
327 7.50% 365 days
328 7.50% 1 year
329
The Nagpur Nagarik Sahakari Bank Ltd.
Co-op Maharashtra +2 states
7.50% 12 to 18 months
330 7.50% 1 years to less than 2 years
331 7.50% 1 year to less than 2 years
332 7.50% 1 years to less than 2 years
333 7.50% 181 days to 365 days
334 7.50% 12 months to 24 months
335 7.50% 12 months to 23 months
336 7.50% 12 months - 15 months
337 7.50% 12 months to 21 months
338 7.50% 12 months upto 399 days
339 7.50% 1 year
340 7.50% 181 days to 365 days
341 7.50% 1 year to less than 2 years
342 7.50% 365 days
343 7.50% 271 DAYS TO 15 MONTHS
344 7.50% 1 year and Above upto 3 years (Cumulative Interest)
345 7.50% 1 year to 2 years
346 7.50% 1 year to less than 2 years (upto 729 days)
347 7.50% 1 year to 13 months
348 7.50% 1 to 2 years
349 7.50% 1 years to less than 2 years
350 7.50% 12 months to 24 months
351 7.50% From 1 year to 2 year
352 7.50% 12 months · Monthly / quarterly interest payout (MIP / QIP)
353 7.50% 181 days to 12 months
354 7.50% 365 days to 1094 days
355 7.45% 365 days (12 months)
356 7.40% 1 to 2 years
357 7.40% 365 days
358
7.40% 1 year (365 days)
359 7.40% 1 year to less than 2 year
360 7.40% 1 year to less than 2 years
361 7.40% 1 year
362 7.40% 1 to 2 years
363
RBL Bank
Private Nationwide
7.40% 365 days (12 months) to 500 days
364
Suryoday Small Finance Bank
Small Finance Gujarat +5 states
7.40% 1 year
365 7.40% 1 year to 15 months
366 7.40% 1 year to less than 2 years
367 7.40% 181 days to 1 year
368 7.40% 1 year
369
Agra Zilla Sahakari Bank Ltd.
Co-op Uttar Pradesh
7.35% 1 year
370 7.35% 1 year
371 7.35% 1 year
372 7.35% For 1 year
373 7.35% 1 years to 499 days
374 7.35% 1 year
375 7.35% For 1 year
376 7.35% 365 days
377 7.35% 1 year
378 7.35% 1 year to less than 2 years
379 7.35% 1 year
380 7.35% 1 year
381 7.35% 1 YEAR TO less than 2 YEARS
382
Tamil Nadu Grama Bank
Rural Tamil Nadu
7.35% 1 year to less than 2 years
383 7.35% 1 year exact
384 7.35% 1 year to 2 years
385 7.35% 1 year up to 2 year (FD)
386
Zila Sahakari Bank Ltd. Basti
Co-op Uttar Pradesh
7.35% 1 year
387 7.30% 1 years to less than 2 years
388 7.30% 1 year
389 7.30% 1 year to 443 days
390 7.30% 1 year to less than 2 years
391 7.30% 12 months to below 24 months
392 7.30% 364 to 729 days
393 7.30% 181 days to 1 year
394
Tamilnad Mercantile Bank
Private Nationwide
7.30% 1 year
395 7.30% 1 to 2 years
396 7.30% 12 months to 36 months
397 7.30% 1 year to less than 2 years
398 7.30% 1 year to 3 years
399 7.30% 1 year to less than 2 years
400 7.30% 1 year to Less than 2 years
401 7.30% 12 months to 24 months
402 7.30% 1 years to less than 2 years
403 7.30% 1 year to less than 2 years
404 7.30% 1 year
405 7.28% 1 year
406 7.25% 1 year
407 7.25% From 1 year to 5 year
408 7.25% 1 year to Less than 2 year
409 7.25% From 181 days to 365 days
410 7.25% 1 year to 3 years
411 7.25% 1 to 2 years
412 7.25% 12 months to 24 months
413 7.25% 1 to 2 years
414 7.25% 271 days to 1 year
415 7.25% 12 months (365 days)
416
IndusInd Bank
Private Nationwide
7.25% 1 year to below 1 year 6 month
417 7.25% 1 year to 3 year
418 7.25% 1 year to 5 years
419 7.25% 1 year to 2 years
420 7.25% 365 days to 15 months
421
Nagaland Rural Bank
Rural Nagaland
7.25% 1 year to less than 2 years
422 7.25% 1 year to less than 2 years
423 7.25% 181 days to 365 days
424 7.25% 12 months
425 7.25% 12 months to 24 months
426 7.25% 1 year to less than 24 months
427 7.25% 365 days (1 year)
428 7.25% 1 to 2 years
429 7.25% (4) 12 months & Above 12 months and up to 24 months
430 7.25% 1 year to 2 year
431 7.25% 1 year to 3 years
432 7.25% 12 months to 36 months
433 7.25% 1 year and Above
434 7.25% 12 month
435 7.25% 1 year to less than 2 years
436 7.25% 1 year and up to 2 years
437 7.25% 1 YEAR to less than 2 YEARS
438 7.25% 1 year to less than 2 years
439 7.25% 1 year
440 7.25% 365 days upto 729 days
441 7.25% 1 year to less than 2 years
442 7.25% 1 year to less than 3 years
443 7.25% 12 months to 36 months
444 7.25% 1 years to 2 years
445 7.25% 1 year to less than 2 years
446 7.25% 181 days to 1 year
447 7.25% 181 days to 365 days
448 7.25% 1 years to 2 years
449 7.25% For 1 year (365 days)
450 7.25% 12 MONTHS TO 24 MONTHS
451 7.25% 1 years to 03 years
452 7.25% 01 year to 02 years
453 7.25% 1 year
454 7.25% 1 year
455
Yes Bank
Private Nationwide
7.25% 12 months 1 day < 18 months
456
Apna Sahakari Bank Ltd.
Co-op Maharashtra
7.20% 365 days
457
Bank of India
Public Nationwide
7.20% Above 1 year to less than 2 years(Except 500 days)
458 7.20% 1 year
459 7.20% 365 days to less than 2 years
460 7.20% 1 year
461
Kotak Mahindra Bank
Private Nationwide
7.20% 365 days to less than 15 months
462 7.20% 1 year to less than 2 years
463 7.20% 1 year
464 7.15% 1 year to less than 2 years
465 7.15% 1 year and above
466
DCB Bank
Private Nationwide
7.15% 12 months to less than 15 months
467 7.15% 1 year to less than 2 years
468
Federal Bank
Private Nationwide
7.15% Above 1 year to less than 18 months
469 7.15% 1 to 2 years
470 7.15% 365 days/ 12month/ One year
471 7.15% 365 days to 498 days
472 7.12% 12 months
473 7.10% 1 year to less than 2 years
474
GP Parsik Sahakari Bank Ltd.
Co-op Maharashtra +2 states
7.10% 12 months to 18 months
475 7.10% 1 year to 3 years
476 7.10% 1 year to less than 2 years
477 7.10% 1 year to less than 15 months
478
Puducherry Grama Bank
Rural Puducherry
7.10% 1 year to less than 2 years
479 7.10% 1 year
480
Standard Chartered India
Foreign Andhra Pradesh +17 states
7.10% 1yr - 376days*
481 7.10% 12 MONTHS TO LESS THAN 18 MONTHS
482 7.10% 181 days to 365 days
483 7.10% 1 year to less than 2 years
484 7.10% 12 months to less then 444 days
485 7.10% 1 year to less than 2 years
486 7.10% For 1 year
487 7.10% 1 year to 18 months
488 7.10% 1 year to 399 days
489 7.10% 1 year to 3 years
490 7.10% 12 MONTHS TO 24 MONTHS
491
Bihar Gramin Bank
Rural Bihar
7.05% 1 year
492 7.05% 1 year
493
Jammu & Kashmir Bank
Private Nationwide
7.05% 1 year to less than 18 months
494
Jammu and Kashmir Grameen Bank
Rural Jammu and Kashmir
7.05% 1 year to less than 18 months
495 7.05% 1 year to less than 2 years
496
Karur Vysya Bank
Private Nationwide
7.05% 1 year to up to 399 days
497 7.05% 1 year to less than 2 years
498 7.05% 1 year to less than 3 year
499
The J&K State Co-operative Bank Ltd.
Co-op Jammu and Kashmir
7.05% 365 days
500 7.01% 1 year to less than 2 years
501 7.00% 1 year to less than 2 years
502 7.00% 1 year to less than 2 years
503 7.00% 12 months
504 7.00% 1 year to 3 years
505 7.00% 1 year and above
506
Chhattisgarh Gramin Bank
Rural Chhattisgarh
7.00% 1 year to less than 2 years
507 7.00% 1 year to less than 2 years
508
Daman & Diu State Co-operative Bank
Co-op Dadra and Nagar Haveli and Daman and Diu
7.00% 1 to 2 years
509
Deutsche Bank India
Foreign Delhi +8 states
7.00% > 1 yr - 1.5 yrs
510 7.00% 1 year or more but till 554 days
511 7.00% 1 year
512 7.00% 1 year
513 7.00% 1 year
514 7.00% 1 year to less than 2 years
515 7.00% 181 days to 1 year
516 7.00% 1 year
517
Indian Overseas Bank
Public Nationwide
7.00% 1 year
518 7.00% 1 year to less than 2 years
519 7.00% 1 year to less than 2 years
520
Jivaji Sahakari Bank Ltd.
Co-op Maharashtra
7.00% 181 days to 12 months
521 7.00% One year
522
Karnataka Grameena Bank
Rural Karnataka
7.00% Above 1 year upto & inclusive 2 years
523
Kerala Gramin Bank
Rural Kerala
7.00% Above 1 year upto including 400 days
524 7.00% 181 days to 1 year
525 7.00% 1 year to less than 2 years
526 7.00% 1 to 2 years
527
Maharashtra Gramin Bank
Rural Maharashtra
7.00% 1 year
528
Meghalaya Rural Bank
Rural Meghalaya
7.00% more than 1year and less than 3 years
529 7.00% 12 months to less than 13 months
530 7.00% 12 months - 15 months
531 7.00% 181 days to 1 year
532 7.00% 365 days / 12 months / 1 year
533 7.00% 1 year to less than 2 years
534
Shalini Sahakari Bank Ltd.
Co-op Maharashtra
7.00% 1 year to Less than 2 years
535
Shivalik Small Finance Bank
Small Finance Delhi +9 states
7.00% 12 months 1 day to less than 18 months
536 7.00% 1 year
537 7.00% 1 year
538 7.00% 1 year to 2 year
539 7.00% 1 year up to 2 year
540 7.00% 1 year and above
541 7.00% 12 months and above
542 7.00% 365 days
543 7.00% 211 days to 15 months
544 7.00% 1 year upto 2 years
545 7.00% 180 to 365 days
546 7.00% 1 year to less than 2 years
547 7.00% 1 year
548 7.00% 12 months and above up to 36 months
549 7.00% 12 months (for 1 year)
550 7.00% 1 year to less than 2 years
551 7.00% 1 year to less than 2 years
552 7.00% 1 YEAR TO less than 3 YEARS
553 7.00% 1 year to less than 2 years
554 7.00% 12 months to 23 months
555 7.00% 1 year to less than 2 year
556 7.00% 181 days to 12 months
557 7.00% 1 year to less than 2 years
558 7.00% 1 year to less than 2 years
559 7.00% 12 months to 23 months
560 7.00% 1 YEAR AND ABOVE
561 7.00% 182 days to 12 months
562 7.00% 1 year to less than 2 years
563 7.00% 365 days and above
564 7.00% 365 days
565 7.00% 12 month and upto 60 month
566 7.00% 12 months to 24 months
567 7.00% 1 year to 2 years
568 7.00% 1 year and above
569 7.00% 1 year to less than 2 years
570 7.00% 1 YEAR AND ABOVE UP TO 2 YEAR
571 7.00% 1 year
572 7.00% 1 year to 17 months
573 7.00% 181 DAYS UPTO 12 MONTHS
574 7.00% 181 days to 1 year
575 7.00% 1 year
576 7.00% 1 year
577 7.00% 1 YEARS ABOVE
578 7.00% 1 year to less than 2 years
579 7.00% 1 year to 3 years
580
TJSB Sahakari Bank Ltd.
Co-op Maharashtra +6 states
7.00% From 12 months to 24 months
581 7.00% 365 days
582 6.95% 1 to less than 2 years
583
Telangana Grameena Bank
Rural Telangana
6.95% 1 year to less than 2 years
584
Bank of Maharashtra
Public Nationwide
6.90% 365 days/ One Year
585 6.90% 1 year
586 6.90% 1 year
587
Canara Bank
Public Nationwide
6.90% 1 year & above to 1 year 3 months Only (Except 444 days)
588 6.90% 1 to 2 years
589
Himachal Pradesh Gramin Bank
Rural Himachal Pradesh
6.90% >1 year to 2 year
590
Karnataka Bank
Private Nationwide
6.90% 1 year to less than 15 months
591
Mizoram Rural Bank
Rural Mizoram
6.90% 1 year to less than 2 years
592
Punjab Gramin Bank
Rural Punjab
6.90% 1 year only
593
Shikshak Sahakari Bank Ltd.
Co-op Maharashtra
6.90% 181 days to 1 year
594 6.90% From 12 months to 25 months
595 6.90% 1 year to less than 2 years
596 6.90% 12 months to 18 months
597
Tripura Gramin Bank
Rural Tripura
6.90% 1 year to less than 2 years
598 6.90% 1 to 2 years
599
Arunachal Pradesh Rural Bank
Rural Arunachal Pradesh
6.85% >1 year to <2 years
600 6.85% 365 days
601
Bank of Bahrain & Kuwait B.S.C. (India)
Foreign Maharashtra +2 states
6.85% 181 days up to 1 year
602
City Union Bank
Private Nationwide
6.85% 365 days to 443 days
603
6.85% 1 year
604 6.85% 1 year
605
Gujarat Gramin Bank
Rural Gujarat
6.85% Above 1 year and up to 2 years
606
Rajasthan Gramin Bank
Rural Rajasthan
6.85% 1 year
607 6.80% 1 year to less than 2 years
608 6.80% 1 year to less than 2 years
609
Madhya Pradesh Gramin Bank
Rural Madhya Pradesh
6.80% 1 year
610 6.80% 365 days (1 year)
611 6.80% 365 days
612 6.80% 1 year to less than 2 years
613 6.80% 1 year
614 6.80% 365 days to 365 days
615 6.75% 181 days to 365 days
616 6.75% 365 days to less than 455 days
617
Axis Bank
Private Nationwide
6.75% 1 year – 1 year 10 days
618 6.75% 1 year
619
Bank of Baroda
Public Nationwide
6.75% 1 year
620 6.75% 1 year
621 6.75% 1 year to 554 days
622 6.75% 1 year upto 2 year
623
DBS Bank India
Foreign Andhra Pradesh +18 states
6.75% 1 year to 375 days
624
Dhanlaxmi Bank
Private Andhra Pradesh +15 states
6.75% 1 year and above up to & inclusive of 2 years
625 6.75% 181 days to 365 days
626 6.75% 12 months to 18 months
627
Haryana Gramin Bank
Rural Haryana
6.75% Over 1 year to 449 days
628
HDFC Bank
Private Nationwide
6.75% 1 year to < 15 months
629
ICICI Bank
Private Nationwide
6.75% 1 year to < 18 months
630
IDBI Bank
Private Nationwide
6.75% >1 year to 2 years (except 555 days & 700 days)
631
IDFC First Bank
Private Nationwide
6.75% 1 year – 370 days
632 6.75% 1 year to less than 3 years
633 6.75% 1 to 2 years
634 6.75% 1 year to less than 2 years
635 6.75% 1 year to less than 2 year
636 6.75% 181 days to 365 days
637 6.75% 1 year to less than 2 years
638
Punjab National Bank
Public Nationwide
6.75% 1 year
639 6.75% 1 year to 3 years
640
South Indian Bank
Private Nationwide
6.75% 1 year
641 6.75% 1 YEAR TO 2 YEARS
642
State Bank of India
Public Nationwide
6.75% 1 year to less than 2 years
643 6.75% 181 to 365 days
644 6.75% 301 days & upto 1 year
645 6.75% 271 days to 365 days
646 6.75% 1 years to 2 years
647 6.75% 1 year to less than 2 years
648 6.75% 1 year to Below 2 year
649 6.75% 1 year to 2 years
650
The Jain Sahakari Bank Ltd.
Co-op Maharashtra +1 state
6.75% 1 year to less than 2 years
651 6.75% 181 DAYS TO 365 DAYS
652 6.75% 181 days to 12 months
653 6.75% 1 year
654 6.75% 12 months to below 2 years
655 6.75% 222 days to 365 days
656 6.75% 12 MONTHS
657 6.75% 1 year to 18 months
658 6.75% 181 days to 365 days
659 6.75% 181 days to 365 days
660 6.75% 181 days to 365 days
661 6.75% 1 year to less than 18 months
662 6.75% 1 year
663 6.75% 1 year to less than 2 years
664 6.75% 181 days to 1 year
665
Uttar Pradesh Gramin Bank
Rural Uttar Pradesh
6.75% 01 year
666
Uttarakhand Gramin Bank
Rural Uttarakhand
6.75% 1 year
667 6.70% 1 years to less than 2 years
668 6.70% 1 year
669
Mashreqbank PSC (India)
Foreign Maharashtra
6.70% 186 days to 390 days
670 6.70% 181 days to 365 days
671
Union Bank of India
Public Nationwide
6.70% 1 year to 399 days
672 6.65% 181 to 12 months
673
Bombay Mercantile Co-operative Bank Ltd.
Co-op Maharashtra +1 state
6.65% 1 year to less than 2 years
674 6.65% 1 year to less than 3 years
675 6.65% 181 days upto 12 months
676 6.65% 1 year to less than 2 years
677 6.60% 181 days to 399 days
678
Central Bank of India
Public Nationwide
6.60% 1 year to less than 2 years
679
Indian Bank
Public Nationwide
6.60% 1 year
680 6.60% 1 to 2 years
681
Odisha Grameen Bank
Rural Odisha
6.55% 1 year
682 6.55% 271 days to 1 year
683 6.55% 365 days to 365 days
684 6.50% 1 years to less than 2 years
685 6.50% 181 days to 1 year
686 6.50% 1 year
687 6.50% 301 days to upto 1 year
688
ESAF Small Finance Bank
Small Finance Nationwide
6.50% 183 days to 1 year
689 6.50% 181 days to 1 years
690 6.50% 271 days to 395 days
691 6.50% 181 days to 1 year
692 6.50% 1 YEAR
693 6.50% 181 days to 395 days
694 6.50% 181 days to 365 days
695 6.50% 1 year to 2 years
696
Manipur Rural Bank
Rural Manipur
6.50% Above 1 year to less than 2 years
697 6.50% 365 days / 12 months / 1 year
698 6.50% 1 to 2 years
699 6.50% 181 days to 365 days
700 6.50% 365 days to 365 days
701 6.50% 181 days to 1 year
702 6.50% 1 to 2 years
703 6.50% 181 days to 12 months
704 6.50% 181 days - 1 year
705 6.50% 181 days to 365 days
706 6.50% 1 years to 2 years below
707 6.50% 1 year to less than 3 year
708 6.50% 181 days to 365 days
709 6.50% 1 YEAR up to 3 YEAR
710 6.50% 6 months to 12 months
711 6.50% 181 days to 13 months
712
Slice Small Finance Bank
Small Finance Arunachal Pradesh +11 states
6.50% 6 months 1 day - 1 year
713 6.50% 181 days to 1 year
714 6.50% 365 days to less than 2 years
715 6.50% 1 year
716 6.50% 181 days to 365 days
717 6.50% 1 years to less than 2 years
718 6.50% 181 days to 1 year
719 6.50% 181 days to 1 year
720 6.50% 1 year to less than 2 years
721 6.50% 181 days to 365 days
722 6.50% 1 year
723 6.50% 181 days to 1 year
724 6.50% 181 days to 1 year
725 6.50% 181 days to 1 year
726 6.50% 181 days to 395 days
727 6.50% 12 months to 36 months
728 6.50% 181 days to 365 days
729 6.50% 12 months to 15 months
730 6.50% 181 days to 1 year
731 6.50% 181 days to 1 year
732 6.50% 1 year to less than 2 years
733 6.50% For 1 year
734
The Zoroastrian Co-operative Bank Ltd.
Co-op Maharashtra +1 state
6.50% 1 year upto 15 months
735
Utkarsh Small Finance Bank
Small Finance Nationwide
6.50% 181 days to 370 days
736 6.50% 181 days to 1 year
737 6.50% 251 days to 400 days
738
West Bengal Gramin Bank
Rural West Bengal
6.50% 1 year to 399 days
739 6.40% 12 months to 36 months
740 6.40% 211 days up to 1 year
741
Punjab & Sind Bank
Public Nationwide
6.35% 1 year
742
UCO Bank
Public Nationwide
6.35% 1 year
743 6.30% 180 days to 1 year
744 6.30% 1 year to Less than 2 years
745 6.30% 181 days to 1 year
746 6.25% 181 to 365 days
747 6.25% 1 year to 3 years
748 6.25% 181 days to 12 months
749 6.25% 180 to 366 days
750 6.25% 7 months to 12 months
751 6.25% 181 to 12 months
752 6.25% 1 to 2 years
753 6.25% 271 days to 1 year
754 6.25% From 91 days to 1 year
755 6.25% 181 days to 365 days
756 6.25% 181 days to 12 months
757 6.25% 181 days to 1 year
758 6.25% 181 days to 12 months
759 6.25% 181 days to 1 years
760 6.25% 12 months to less than 14 months
761 6.25% 12 months to 27 months · Dhanvardhini (cumulative)
762 6.25% 181 days to 1 year
763 6.25% Above 271 days to 365 days
764 6.25% 181 days to 1 year
765 6.25% 181 days to 365 days
766 6.10% 1 year to Less than 2 year
767 6.00% 181 days to 1 year
768 6.00% 181 days to 365 days
769 6.00% 1 to 2 years
770 6.00% 181 days to 1 year
771
Pune Sahakari Bank Ltd.
Co-op Maharashtra
6.00% above 6 months to 13 months
772 6.00% 181 days to 365 days
773 6.00% 181 days to 365 days
774 6.00% 181 days to less than 15 months
775 6.00% 271 to 366 days
776 6.00% 181 days to 365 days
777 6.00% Above 46 days up to 1 year
778 6.00% 181 days to 365 days
779 6.00% 181 days to 365 days
780 6.00% 181 days to 1 years
781 6.00% 181 days to 1 year
782 6.00% 181 days to 1 year
783 6.00% 6 month to 1 year
784 6.00% 181 days TO 365 days
785 6.00% 181 days to 12 months
786 6.00% 181 days to 365 days
787 6.00% 12 months to below 24 months
788 6.00% 181 to 1 year
789 6.00% 252 days to 1 years
790 6.00% 1 year
791 6.00% 181 days to 1 year
792 6.00% 181 DAYS TO 12 MONTH
793 6.00% 365 DAYS to 1825 DAYS
794 6.00% 181 days to 365 days
795 6.00% 181 to 365 days
796 6.00% 91 days to 365 days
797 6.00% 101 days to 549 days
798 6.00% 12 month and above
799 6.00% 181 days up to 1 year
800 6.00% 181 days up to 12 months
801 6.00% 181 to 365 days
802 6.00% 181 days to 12 months
803 6.00% 181 days to 365 days
804 5.95% 181 days to 1 year
805 5.80% 1 year to less than 2 years
806 5.75% 181 days to 12 months
807 5.75% 181 DAYS TO 1 YEAR
808 5.75% 181 days to 395 days
809 5.75% 1 year to 3 years
810 5.75% 181 days to 365 days
811 5.75% 1 year to 2 years
812 5.75% 181 days to 12 months
813 5.60% 1 to 2 years
814
Mizuho Bank, Ltd. (India)
Foreign Maharashtra
5.60% 346 days to 1 year
815
Arvind Sahakari Bank Ltd.
Co-op Maharashtra
5.50% 181 days to 365 days
816 5.50% 271 days to 365 days
817 5.50% 181 days to 365 days
818 5.50% 181 days to 365 days
819 5.50% 12 months to 36 months
820 5.50% 181 days to 365 days
821 5.50% 1 year
822 5.50% 191 day to 1 year
823 5.50% 181 days to 365 days
824 5.50% 181 days to 12 months
825 5.50% 181 days to 365 days
826 5.50% 181 days to 12 months
827 5.50% 191 day to 1 year
828 5.50% 181 days to 1 years
829 5.30% 180-365 days
830 5.30% 1 to 2 years
831 5.25% 181 days to 365 days
832 5.25% 181 days to 365 days
833 5.25% 01 year to 02 year
834 5.00% 181 days to 365 days
835 5.00% 30 DAYS to 12 months
836 5.00% 181 days to 1 year
837 5.00% 181 days to 365 days
838 5.00% 181 days to 365 days
839 5.00% 181 days to 365 days
840 5.00% 181 days to 1 year
841 5.00% 181 days to 365 days
842 5.00% 91 days to 1 year
843
HSBC India
Foreign Andhra Pradesh +13 states
4.50% 365 days
844 4.50% 181 days to 365 days
845 4.50% 1 year to less than 2 years
846
Bharati Sahakari Bank Ltd.
Co-op Maharashtra
4.40% 181 days upto 365 days
847 4.25% 181 days to 12 months
848 4.00% 181 days to 365 days

Senior citizens aged 60 and above earn a higher rate on fixed deposits than the general public, typically an extra 0.25% to 0.75% per year, and some banks add a further super-senior bonus for those 80+. On a multi-year FD that premium compounds into a meaningful difference. As of 14 Nov 2026, the highest senior citizen FD rate we track is 11.00% at Mudalagi Co-operative Bank Ltd..

The table below shows every bank's best senior citizen rate, ranked, for a general depositor below ₹3 crore, all RBI-licensed with DICGC cover up to ₹5 lakh. Pick the tenure that suits you, estimate the payout with the FD calculator, or compare standard general FD rates.

FD rates in India on 4 November 2026: what ₹5 lakh could earn
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