A bank-wise comparison of 1-year and 5-year senior citizen FD rates in 2025. Know which banks raised rates and where retirees can get the highest returns.
As 2025 progresses, senior citizens evaluating FD options will see significant differences in how banks revised short- and long-term deposit rates. The 1-year FD slabs witnessed minor improvements, while 5-year FDs experienced more pronounced hikes.
Private lenders such as HDFC Bank, ICICI Bank, Axis Bank, and leading small finance banks have revised their senior citizen FD slabs to stay competitive in an environment of fluctuating bond yields.
Public sector banks, including SBI, Bank of Baroda, and PNB, kept their FD structures largely stable, offering modest increases of 0.10%–0.25% in select tenures.
Highlights of 2025 Rate Trends:
- Private banks lead in FD hikes, especially for 5-year deposits
- SFBs offer highest senior citizen rates, touching 8.2–8.5% in some cases
- PSU banks stable, with gradual upward revisions
- Retirees find better returns in medium-to-long tenures
Takeaway:
For those prioritizing higher returns, 5-year deposits in SFBs and private banks remain attractive. But risk-averse seniors may still prefer the stability of PSU banks.
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#FDRates #SeniorCitizensIndia #Finance2025 #BankingUpdates #MoneyManagement
