Senior Citizens Highest FD Rates: Deposits in bank FDs are protected up to ₹5 lakh under the DICGC guarantee of the Reserve Bank of India (RBI).
Senior Citizens Highest FD Rates: If you do not want to take risk in investment and want to increase your savings in a safe and reliable way, then Fixed Deposit (FD) is a better option for you. There are some financial institutions which are offering you excellent returns. In the year 2025, there are also some leading small finance banks in the country which are giving up to 9% interest on FD, giving stable and attractive returns to the investors. This FD creates a source of assured income. Let us know here about the FDs of the top 5 institutions which are offering you better returns.
Utkarsh Small Finance Bank
If you want to make an FD in Utkarsh Small Finance Bank, then you can make an FD here at an interest rate of up to 8.50%. Let us tell you here that a general customer can make an FD for a period ranging from 7 days to 10 years. Yes, here you have to make an FD of at least Rs 5000.
Surya Small Finance Bank
This bank can also give you a better return on FD. In Suryaday Small Finance Bank, you can make a fixed deposit at an interest rate of up to 8.40 percent. According to Motilal Oswal, you have to make an FD of at least Rs 5000 in this bank.
Shriram Finance
This small bank is also offering great interest on FD. In this, you can make an FD at an interest rate of up to 8.97%. In this bank also, you have to make an FD of at least Rs 5000.
Shivalik Small Finance Bank
This bank is also offering great returns. According to the official website, in Shivalik Small Finance Bank, you can make an FD at an interest rate of up to 9.25 percent. This FD is special for women. In this bank also, you have to make an FD of at least Rs 5000.
Bajaj Finance
Bajaj Finance is also a better option for getting FD, because here you can get fixed deposit at an interest rate of up to 8.90 percent. In this bank also it is mandatory to get an FD of at least Rs 5000.
Benefits of getting FD
The interest rate in FD is fixed in advance and it is not affected by the fluctuations in the market. The investor knows in advance how much he will earn. Up to ₹ 5 lakh on the deposit amount in bank FD is protected under the DICGC guarantee of the Reserve Bank of India (RBI). This is the reason why the money deposited in your FD gets a security. Senior citizens get 0.25% to 0.75% more interest than the normal rates. You can easily take a loan of up to 90% against FD, so that you do not have to break the FD in need of money.
(Disclaimer: This news is for information only. Consult your financial advisor before investing.)
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