Senior Citizen FD Interest 2026

Senior Citizens Hit the Jackpot – SBI, PNB, ICICI, and Small Finance Banks Offering High Returns

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Senior Citizen FD Interest 2026: Life becomes a little difficult after retirement. In such a situation, having a regular income becomes extremely important. If you are planning to secure your old age by investing, then this news might be special for you. The government is running several schemes in which you can invest and accumulate lakhs of rupees. Several banks are also offering excellent returns on investments.

Bank FDs are still considered a reliable and safe investment option for senior citizens. Many government and private banks are offering attractive interest rates on long-term fixed deposits to elderly customers. So, if you are also planning to invest, you can get returns worth lakhs by taking an FD in these banks and secure your old age.

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These banks are offering excellent returns:

Talking about government banks, the State Bank of India is offering up to 7.05 percent interest to senior citizens on FDs of 5 to 10 years. Similarly, Punjab National Bank and Bank of Baroda are also offering around 7 percent interest on long-term deposits. These banks are suitable for those who want safe and stable returns.

Private sector banks are also not far behind in terms of interest rates. Axis Bank is currently offering 7.35 percent interest to senior citizens on 5-year FDs. Kotak Mahindra Bank is offering returns of up to 7.20 percent on FDs ranging from 391 days to less than 2 years. Large private banks like ICICI and HDFC are also offering more than 7 percent interest on FDs of different tenures.

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If you are looking for higher returns, Small Finance Banks have emerged as a better option. ESAF and Suryoday Small Finance Bank are offering more than 8 percent interest for limited periods, which is among the highest rates currently available. AU Small Finance Bank is also offering an interest rate of approximately 7.60 percent on fixed deposits of 2 to 3 years. Jana and Unity Small Finance Banks are also offering attractive FD rates, especially for senior citizens.

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