Highest 3-year FD rates for senior citizens compared

Public sector banks (highest interest rates on 3-year senior citizen FD)

PUBLIC SECTOR BANKS Bank of Baroda 6.75 0.10% on tenures of above 1 year to 5 years Bank of India 7 0.15% on tenures of 180 days to 10 years Bank of Maharashtra 5.75 --- Canara Bank 6.75 0.10% on tenure of 444 days & 555 days Central Bank of India 6.5 --- Indian Bank 6.55 0.25% on all tenures Indian Overseas Bank 6.6 0.25% on all tenures Punjab National Bank 6.8 0.30% for tenures up to 5 years Punjab & Sind Bank 6.35 0.15% on tenure of 375 days, 444 days, 666 days, 777 days, 999 days & PSB Green Earth (22 months, 44 months, 66 months) State Bank of India 6.8 0.10% on all tenures Union Bank of India 6.75 0.25% on all tenures Standard Chartered Bank 7 --- Note: *Depositors aged 80 years and above Note: **Depositors aged 70 years and above Source: Paisabazaar.com

Private sector banks (highest interest rates on 3-year senior citizen FD)

Bank Name Interest Rate (%) Additional Benefit (if any) Bandhan Bank 7.75 — YES Bank 7.75 — RBL Bank 7.7 0.25% on all tenures SBM Bank India 7.6 — IDFC FIRST Bank 7.5 — IndusInd Bank 7.4 — DCB Bank 7.25 0.05% on select tenures Federal Bank 7.25 — Jammu & Kashmir Bank 7.15 0.25% on all tenures Tamilnad Mercantile Bank 7.1 — Axis Bank 6.95 — HDFC Bank 6.95 — ICICI Bank 6.95 — DBS Bank 6.9 — Kotak Mahindra Bank 6.9 — IDBI Bank 6.85 0.15% on select tenures City Union Bank 6.75 0.05%–0.25% on select tenures South Indian Bank 6.7 — Karnataka Bank 6.55 — CSB Bank 6.05 —

Small finance banks (highest interest rates on 3-year senior citizen FD)

Bank Name Interest Rate (%) Jana Small Finance Bank 8 Utkarsh Small Finance Bank 8 Ujjivan Small Finance Bank 7.7 AU Small Finance Bank 7.6 Equitas Small Finance Bank 7.5 slice Small Finance Bank 7.5 Suryoday Small Finance Bank 7.4 Shivalik Small Finance Bank 7.25 ESAF Small Finance Bank 6.5

Interest rates on fixed deposits for senior citizens may differ depending on the type of bank and the tenure chosen. For the three-year tenure, public, private and small finance banks offer many interest rates. Here are the tables that provide comparisons of the highest 3-year senior citizen FD interest rates offered by small finance banks, private sector banks and public sector undertaking (PSU) banks.Several public sector banks offer FD interest rates ranging from 5.75% to 6.8% to senior citizens on the 3-year FD. Bank of India (7%), Punjab National Bank (6.8%) and State Bank of India (6.8%) offer the best rates.Also read: Will new TDS rules change your take-home salary from April 1, 2026? Key income tax-related changes in new financial year (FY26-27 Bandhan Bank, YES Bank, RBL Bank and SBM Bank India offer some of the highest FD interest rates for senior citizens on 3-year deposits, while popular banks such as HDFC Bank and ICICI Bank offer around 6.9% on the similar tenure.Source- Paisabazaar, data as on April 1, 2026In India, small finance banks currently offer some of the highest fixed deposit (FD) interest rates, reaching up to 8% for a 3-year tenure. Jana Small Finance Bank and Utkarsh Small Finance Bank offer an 8% rate on the 3-year FD, making them among the top rate providers in this category.Source- Paisabazaar, data as on April 1, 2026