Best FDs for Seniors
Every FD available to depositors aged 60 and above, ranked by their best senior rate.
The Top 10
What "senior rate" and DICGC actually mean
Depositors aged 60 and above earn a fixed bonus over the general public rate on the same fixed deposit, applied automatically at booking.
DICGC insures deposits up to ₹5 lakh per depositor, per bank — this covers scheduled banks and small finance banks, but not NBFC deposits, which carry a credit rating instead of deposit insurance.
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Best fixed deposit rates for senior citizens
Most banks pay senior citizens, generally those aged 60 and above, an additional interest rate on fixed deposits, and the extra can differ from bank to bank. For retirees who depend on interest income, that gap matters.
This list ranks fixed deposits by the rate offered to seniors. Look also at monthly or quarterly interest payout options if you want regular income, and at the tax deducted at source on interest, which you can avoid by submitting the relevant form when your income is below the taxable limit.
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