Senior Citizen FD- Earn Up to 8% Interest in 2026, Check Top 5 FD Schemes

Fixed Deposit (FD) has always been a very popular and reliable investment vehicle for Indian investors. Especially for those who want to keep their hard-earned money safe by avoiding market volatility, this FD is the first choice. FD is more popular among senior citizens than the general public. The main reason for this is that most banks offer higher interest rates to senior citizens than to their general customers. This trend continues in 2026 and is a great opportunity for those looking for a risk-free investment.

Currently, several Small Finance Banks are offering very attractive interest rates for senior citizens. If you or any senior member of your family is planning a long-term and safe investment, then 5-year FD schemes can be profitable. Below is a list of 5 banks that are giving good returns to senior citizens.

1. Suryoday Small Finance Bank

Suryoday Small Finance Bank is currently at the top of the list in terms of returns. This bank is offering an annual interest rate of 8 percent (8%) on a 5-year fixed deposit for senior citizens. This can be an excellent option for those who are aiming for the highest income from FD.

2. Jana Small Finance Bank

Jana Small Finance Bank is also not far behind. This bank is a reliable name when it comes to getting good returns along with safe investments. Here, senior citizens are being offered an interest rate of 7.77 percent (7.77%) on a 5-year FD. This is quite profitable in the long term plan.

3. Equitas Small Finance Bank

If your goal is a balanced investment, then you can consider Equitas Small Finance Bank. This bank is offering an annual interest rate of 7.50 percent (7.50%) on a 5-year fixed deposit scheme for senior citizens.

4. AU Small Finance Bank

AU Small Finance Bank is quite well-known among customers. Those looking for financial security with guaranteed income can check out this bank’s FD scheme. Here, senior citizens are being offered an interest rate of 7.25 percent (7.25%) for a period of 5 years.

5. ESAF Small Finance Bank

This bank on the list is offering an interest rate of 6.25 percent (6.25%) on a 5-year fixed deposit for senior citizens. Although this is slightly lower than other banks, it can still be considered a safe investment medium.

Before investing, one should always know the details about the terms and conditions of the bank. Especially for senior citizens, this additional interest benefit can play a big role in providing financial security in their retirement life.

Note: This article is for informational purposes only and is not financial advice. Please consult your financial advisor before investing.