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Senior Citizens Get High Interest on FDs, Check Top Banks

vipin kumar
By vipin kumar
2 min read
Published: 05 Mar 2026
Fixed Deposit

New Delhi: People are increasingly concerned about their old age, and various measures are taken to address this. If you’re a senior citizen, we’re going to tell you how to ensure a substantial return on your capital, ensuring hassle-free investment. You can earn a significant income by investing in bank deposits, and you’ll need to understand a few important things.

Many banks are offering high interest rates on 3-year FDs. According to a report, 3-year FDs are offering impressive interest rates of up to 8%, ensuring a hassle-free return. You can understand the key factors below to understand how banks are achieving the highest returns.

Which banks are offering the highest returns?

If you’re looking for high returns on your investments, don’t delay investing. The interest rates for 3 years are listed below. Utkarsh and Jana Small Finance Bank are offering the highest interest rates at 8.00%. Ujjivan Small Finance Bank offers an impressive 7.70% return. AU and Equitas Bank offer interest rates between 7.50% and 7.60%. Suryoday and Shivalik Bank also offer rates above 7.25%.

Large private sector banks are also offering interest rates.

Some private banks are also offering high returns on FDs to win over senior citizens. Yes Bank is offering 7.75% interest to senior citizens. RBL and Bandhan Bank can earn you up to 7.70%. DCB Bank offers interest rates of 7.65%. Investing in ICICI and Axis Bank can yield returns between 7.1% and 7.2%.

Government banks are also earning profits.

Punjab & Sind Bank leads the way, offering 7.25% interest on FDs. Bank of India offers an annual return of 7.2%. SBI (State Bank of India) offers 7.05% interest. Bank of Baroda and Canara Bank offer a steady 7% return.

Investors should know the important information.

These benefits apply to deposits up to ₹3 crore. If you are risk-averse and want a fixed income for the long term, investing now could be a smart decision, as interest rates can change at any time.

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