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.
Age 60+ · below ₹3 crore · pick the tenure that suits you
Age 60+ · below ₹3 crore · Dataset refreshed 26 Sept 2026
| # | Bank | Rate | Applies to |
|---|---|---|---|
| 1 | Ujjivan Small Finance Bank
Ujjivan |
7.75% | 1 Year to < 2 years |
| 2 | AU Small Finance Bank
AU |
7.60% | 12 Months 1 Day to 15 Months |
| 3 | Equitas Small Finance Bank
Equitas |
7.60% | 1 year to 443 days |
| 4 | RBL Bank
RBL |
7.55% | 365 days (12 months) to 500 days |
| 5 | Bandhan Bank
Bandhan |
7.50% | 1 year |
| 6 | Capital Small Finance Bank
Capital |
7.50% | 1 Year to less than 5 Years |
| 7 | Gujarat Gramin Bank
GGB |
7.50% | 1 year to < 2 years |
| 8 | Jana Small Finance Bank
Jana |
7.50% | 271 Days - 366 Days |
| 9 | Telangana Grameena Bank
TGB |
7.50% | 1 year to < 2 years |
| 10 | Suryoday Small Finance Bank
Suryoday |
7.40% | 1 Year |
| 11 | Tamil Nadu Grama Bank
TNGB |
7.35% | 1 year to less than 2 years |
| 12 | Nagaland Rural Bank
NagRB |
7.30% | 1 year to less than 2 years |
| 13 | Tamilnad Mercantile Bank
TMB |
7.30% | 1 year |
| 14 | Assam Gramin Vikash Bank
AGVB |
7.28% | 1 year |
| 15 | IndusInd Bank
IndusInd |
7.25% | 1 Year to below 1 Year 6 Month |
| 16 | Jammu and Kashmir Grameen Bank
JKGB |
7.25% | 1 year to < 2 years |
| 17 | Karnataka Grameena Bank
KGB |
7.25% | 1 year to < 2 years |
| 18 | Puducherry Grama Bank
PuduGB |
7.25% | 1 year to < 2 years |
| 19 | Yes Bank
Yes |
7.25% | 12 months 1 day < 18 months |
| 20 | Bank of India
BoI |
7.15% | 1 Year |
| 21 | DCB Bank
DCB |
7.15% | 12 months to less than 15 months |
| 22 | Andhra Pradesh Grameena Bank
APGB |
7.10% | 1 year to less than 2 years |
| 23 | Haryana Gramin Bank
HGB |
7.10% | 1 year to < 2 years |
| 24 | Meghalaya Rural Bank
MegRB |
7.10% | 1 year to < 2 years |
| 25 | Punjab Gramin Bank
PGB |
7.10% | 1 year to < 2 years |
| 26 | Standard Chartered India
StanChart |
7.10% | 1yr - 376days* |
| 27 | Jharkhand Rajya Gramin Bank
JRGB |
7.05% | 1 year to less than 2 years |
| 28 | Karur Vysya Bank
KVB |
7.05% | 1 Year to up to 399 Days |
| 29 | Chhattisgarh Gramin Bank
CGB |
7.00% | 1 year to less than 2 years |
| 30 | Deutsche Bank India
Deutsche |
7.00% | > 1 Yr - 1.5 Yrs |
| 31 | Kerala Gramin Bank
KerGB |
7.00% | Above 1 year up to below 15 months |
| 32 | Maharashtra Gramin Bank
MahaGB |
7.00% | 1 Year |
| 33 | Shivalik Small Finance Bank
Shivalik |
7.00% | 12 months 1 day to less than 18 months |
| 34 | Tripura Gramin Bank
TripGB |
7.00% | 1 year to < 2 years |
| 35 | Uttar Pradesh Gramin Bank
UPGB |
7.00% | 1 year to < 2 years |
| 36 | Bihar Gramin Bank
BGB |
6.90% | >1 year to 2 years |
| 37 | City Union Bank
City Union |
6.90% | 365 days to 443 days |
| 38 | Federal Bank
Federal |
6.90% | Above 1 year to less than 15 Months |
| 39 | Karnataka Bank
Karnataka |
6.90% | 1 year to 554 days |
| 40 | Mizoram Rural Bank
MizRB |
6.90% | 1 year to less than 2 years |
| 41 | Arunachal Pradesh Rural Bank
APRB |
6.85% | >1 year to <2 years |
| 42 | Kotak Mahindra Bank
Kotak |
6.85% | 365 Days to less than 15 Months |
| 43 | Rajasthan Gramin Bank
RGB |
6.85% | 1 year |
| 44 | South Indian Bank
South Indian |
6.85% | 1 year to < 2 years |
| 45 | Himachal Pradesh Gramin Bank
HPGB |
6.80% | >1 year to 2 year |
| 46 | Madhya Pradesh Gramin Bank
MPGB |
6.80% | 1 year |
| 47 | Axis Bank
Axis |
6.75% | 1 year – 1 year 10 days |
| 48 | Bank of Baroda
BoB |
6.75% | 1 year |
| 49 | Canara Bank
Canara |
6.75% | 1 year to 443 days |
| 50 | Dhanlaxmi Bank
Dhanlaxmi |
6.75% | 1 Year and above up to & inclusive of 2 years |
| 51 | HDFC Bank
HDFC |
6.75% | 1 Year to < 15 months |
| 52 | ICICI Bank
ICICI |
6.75% | 1 Year to < 18 Months |
| 53 | IDBI Bank
IDBI |
6.75% | >1 Year to 2 Years (except 555 days & 700 Days) |
| 54 | IDFC First Bank
IDFC First |
6.75% | 1 year – 370 days |
| 55 | Punjab National Bank
PNB |
6.75% | 1 year |
| 56 | Uttarakhand Gramin Bank
UKGB |
6.75% | 1 year |
| 57 | Union Bank of India
Union |
6.70% | 1 year to 399 days |
| 58 | Central Bank of India
Central |
6.60% | 1 year to less than 2 years |
| 59 | Indian Bank
Indian |
6.60% | 1 year |
| 60 | Odisha Grameen Bank
OGB |
6.55% | 1 year |
| 61 | ESAF Small Finance Bank
ESAF |
6.50% | 183 days to 1 year |
| 62 | Indian Overseas Bank
IOB |
6.50% | 1 Year |
| 63 | Manipur Rural Bank
ManRB |
6.50% | Above 1 year to less than 2 years |
| 64 | Slice Small Finance Bank
Slice |
6.50% | 6 months 1 day - 1 year |
| 65 | Utkarsh Small Finance Bank
Utkarsh |
6.50% | 181 Days to 370 Days |
| 66 | West Bengal Gramin Bank
WBGB |
6.50% | 1 year to 399 days |
| 67 | Bank of Maharashtra
Maharashtra |
6.40% | 365 days/ One Year |
| 68 | Punjab & Sind Bank
P&S |
6.35% | 1 year |
| 69 | UCO Bank
UCO |
6.35% | 1 year |
| 70 | State Bank of India
SBI |
6.25% | 1 Year to less than 2 years |
| 71 | HSBC India
HSBC |
4.50% | 365 Days |
Rates are compiled across India's banks and refreshed daily; 65 banks are scraped directly from their official sites, the rest from aggregated sources. Bank deposits are DICGC-insured up to ₹5 lakh; Post Office savings schemes carry a sovereign guarantee (Government of India). Verify on the bank's site before investing.
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