Senior Citizen FD Rates Above 7% for 3 Years: These Banks Are Offering Up to 7.75% Interest: Full List Here

Over the past year, the FD interest rates have declined because ofthe RBI's reduction of repo rate by 1%, due to which several banks have reduced their FD interest rates. However, Senior citizens who are looking for safe and stable returns still have several attractive options. A number of small finance banks are offering fixed deposit (FD) interest rates above 7% for senior citizens on a three-year tenure, with some banks providing returns as high as 7.75%.

These FD schemes are available for senior citizens aged 60 years and above, with most banks allowing investments of up to Rs. 3 crore.

Small finance banks are currently offering higher FD interest rates compared to large public and private sector banks, where senior citizen FD rates generally range between 7% and 7.5%. So this becomes attractive for retirees seeking regular income and capital safety.

Importantly, deposits in all scheduled banks, including small finance banks, are insured up to Rs. 5 lakh per depositor under the DICGC scheme. However, it is wise for senior citizens to spread FD investments across multiple banks to reduce risk.

Super senior citizens who are 80 years and above may get an extra 0.25%-0.50% interest. Here are all the details of the best FD rates for senior citizens in 2026 as per publicly available website data.

Banks Offering FD Rates Up to 7.25% for Senior Citizens

Suryoday Small Finance Bank is offering 7.25% interest on fixed deposits with a three-year term for senior citizens.

Banks Offering Up to 7.5% FD Interest for Senior Citizens

Two small finance banks are currently offering a 7.5% FD interest rate for senior citizens on a three-year tenure. These banks continue to top the list when it comes to senior citizen FD rates today.

Jana Small Finance Bank offers 7.5% interest on 3-year fixed deposits for senior citizens, with a maximum deposit limit of Rs. 3 crore. The rate is effective from January 14, 2026.

slice Small Finance Bank is also offering 7.5% FD interest for senior citizens on a three-year tenure, applicable up to Rs. 3 crore, effective from January 17, 2026.

Best Senior Citizen FD Rates for 3-Year Tenure

Several other small finance banks are also offering competitive FD interest rates for senior citizens:

• AU Small Finance Bank: up to 7.60% interest for senior citizens, maximum deposit Rs. 3 crore
• Equitas Small Finance Bank: 7.5% interest, effective January 2026, maximum deposit Rs. 3 crore
• Utkarsh Small Finance Bank: up to 7.75% interest for senior citizens on select slabs, with rates going up to 8% for other tenures

Overall, small finance banks like Jana SFB, Slice SFB, AU SFB, Equitas SFB, Suryoday SFB, and Utkarsh SFB are offering some of the highest FD rates for senior citizens in India for a three-year investment horizon.

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