fd rates A complete 2025 update on how senior citizen FD rates changed across Indian banks. Comparison of 1-year and 5-year deposit returns.
Senior citizen FD customers in 2025 will notice banks recalibrating their interest rates across key tenures. While 1-year FD rates remained moderately stable with slight upward movement, 5-year FDs became more attractive as banks attempted to secure long-term funds.
Small finance banks have emerged as top performers, offering some of the highest senior citizen interest rates, while private banks adjusted rates to stay competitive.
Public sector banks kept their changes limited but steady, signaling long-term security for retired investors.
2025 FD Trend Summary:
- 1-Year FD: Incremental revisions seen in major banks
- 5-Year FD: Strong upward push in rates
- SFBs remain top yield providers
- Senior citizens enjoy additional rate benefits
Why This Matters:
Better FD returns offer improved stability for retirees at a time when inflation and medical expenses continue to rise.
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