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Strong returns with safe investment! These 5 FD schemes are a great opportunity to earn, and you will get more than 8% interest.

Siddhi Jain August 02, 2025 06:15 PM

Fixed Deposit Interest Rates for Senior Citizens: If you also want to get great returns by investing your hard-earned money in a safe place, then Fixed Deposit (FD) has always been a great option. There is no market risk in this, and you get guaranteed returns on time. Some small finance banks of the country are giving such strong interest on FD to please their customers, especially senior citizens, that you will be surprised to hear about it. These banks are offering great interest ranging from 8% to 8.50% on FD.

Slice Small Finance Bank is giving equal interest to both common citizens and senior citizens, i.e. at the rate of 8.50%. Customers are going to get this interest for a period of 18 months 1 day to 18 months 2 days.

Suryodaya Small Finance Bank is giving tremendous benefits to senior citizens on long term investment. If you want to invest money for 5 years and forget about it, then this can be the best option for you. In this, senior citizens get interest at the rate of 8.40% and common citizens get interest at the rate of 7.75%.

Unity Bank is running a special FD scheme of 1001 days, in which senior citizens are getting attractive interest of 8.25%. At the same time, common citizens get interest at the rate of 7.75%.

Jan Small Finance Bank is giving very good interest on medium term FDs ranging from 1 to 3 years. Those who do not want to block money for a very long time can invest here. In this, senior citizens get interest at the rate of 8.25% and common citizens get interest at the rate of 7.75%.

At number five in this list is Utkarsh Small Finance Bank, which is offering more than 8% interest to senior citizens on FDs of 2 to 3 years. Senior citizens get 8.15% interest in this and common citizens get 7.65% interest.

Many people have this question in their mind that is it safe to keep money in these small banks? So the answer is - yes, it is absolutely safe. Just like big banks like State Bank (SBI), HDFC or ICICI work under the rules of Reserve Bank of India (RBI), in the same way these small finance banks also run under the supervision of RBI. Apart from this, under the rules of Deposit Insurance and Credit Guarantee Corporation (DICGC), every customer's deposit of up to Rs 5 lakh is completely safe.