Bank FDs remain the preferred choice for Indian investors who want to secure safe money and earn fixed returns. Their popularity is even greater among senior citizens.

Senior Citizen FD Interest Rates 2026: Bank FDs remain the preferred choice for Indian investors who want to secure safe money and earn fixed returns, especially those who are risk-averse. FDs are considered a reliable investment option. Their popularity is even greater among senior citizens, as they enjoy higher interest rates than ordinary customers.

In this context, some small finance banks are offering FD schemes that allow senior citizens to earn good returns with better interest rates. If you or a senior citizen in your family is looking for a safe investment, these options may be useful for you. Let's learn about some such FD schemes...

1. Jana Small Finance Bank 

Jana Small Finance Bank is offering senior citizens an interest rate of 7.77% on FDs with a 5-year term. If senior citizens are looking for a safe return option, this could be an option.

2. AU Small Finance Bank 

AU Small Finance Bank is offering 7.25% annual interest on 5-year FDs for senior citizens. Senior citizens seeking secure investments with guaranteed returns can earn better returns by investing in this FD scheme.

3. Suryoday Small Finance Bank 

Suryoday Small Finance Bank offers 8% annual interest on 5-year FDs for senior citizens. If you're looking for a safe investment with good returns, an FD from this bank could be a good option.

4. ESAF Small Finance Bank 

ESAF Small Finance Bank offers senior citizens 6.25% annual interest on 5-year fixed deposits. Those looking for a safe investment option may want to consider this bank's fixed deposits.

5. Equitas Small Finance Bank 

Equitas Small Finance Bank is offering 7.50 per cent annual interest on a 5-year FD for senior citizens.