FD interest rates: Senior citizens enjoy a special advantage in bank fixed deposit (FD) interest rates in 2025, where they are paid approximately 0.5% more than regular investors. The interest rate on three-year FDs ranges from 6.3% to 6.6% across different banks.
Investing in fixed deposits (FDs) in 2025 offers the opportunity to earn better returns, especially for tenures of three years and above. HDFC Bank offers interest rates of 6.45%, ICICI Bank 6.6%, Kotak Mahindra Bank and Federal Bank up to 6.4%. SBI, Bank of Baroda, and Union Bank of India also offer interest rates ranging from 6.3% to 6.6% on three-year FDs. Senior citizens receive an additional 0.5% interest rate at almost all banks, making their FDs even more profitable.
Senior citizens (aged 60 and above) have particularly good FD options, with interest rates ranging from 7.10% to 7.30%. For example, Bajaj Finance offers senior citizens interest rates up to 7.30%. Senior citizens have the option of monthly, quarterly, semi-annual, or annual interest payments, allowing them to tailor their payments to their needs.
Investing in long-term FDs not only offers better interest rates but also protects your money. Investors are advised to compare the available options and choose the right bank and scheme. Choosing the right plan and term will help your savings grow significantly.
Banks periodically change their interest rates, so it’s important to keep an eye on the latest rates when investing. This type of investment is especially beneficial for those who want a safe investment with guaranteed returns. Therefore, FDs have become a reliable option that can provide you with financial security and good profits.
