If you or any senior citizen in your family is looking for a safe investment with good returns for three years, then this information is very useful for you. Till July 2025, 15 banks are offering the best interest rates on senior citizen FDs. In some banks, an FD of ₹1 lakh is growing to ₹1.26 lakh in three years.
Know the full details below.
Where Can Senior Citizens Get the Highest Interest on FD?
If you or any senior citizen in your family wants to invest ₹1 lakh safely for 3 years, then some banks are offering very good interest rates as of July 2025.
Utkarsh Small Finance Bank is giving 8.5 percent interest. An FD of ₹1 lakh will become ₹1.26 lakh in 3 years.
Jana Small Finance Bank is offering 8.25 percent interest. Here, ₹1 lakh will grow to ₹1.25 lakh in 3 years.
Suryoday Small Finance Bank gives 8.15 percent interest. Your ₹1 lakh will become ₹1.24 lakh after 3 years.
Yes Bank is giving 7.85 percent interest. An FD of ₹1 lakh will grow to ₹1.24 lakh in 3 years.
Bandhan Bank, Equitas Bank, and Unity Bank are all offering 7.75 percent interest. In these banks, ₹1 lakh will become ₹1.23 lakh in 3 years.
Ujjivan Small Finance Bank and RBL Bank offer 7.70 percent interest. With this rate, your ₹1 lakh will become ₹1.23 lakh in 3 years.
AU Small Finance Bank is giving 7.6 percent, while SBM Bank is offering 7.55 percent interest. In both cases, ₹1 lakh will become ₹1.23 lakh in 3 years.
IndusInd Bank is giving 7.5 percent interest. DCB Bank, IDFC First Bank, and J&K Bank are offering 7.25 percent. At these rates, ₹1 lakh will become about ₹1.22 lakh in 3 years.
Who Gives a Guarantee on FD?
The RBI’s organisation DICGC gives insurance protection on FDs up to ₹5 lakh. That means your money is safe up to this amount. This is why FD is a safe and trusted option for senior citizens.