fd rates Check the latest senior citizen FD rates for 1-year and 5-year tenures in 2025. Updated comparison of top private and public banks.
Banks in India have revised their Fixed Deposit (FD) interest structures for senior citizens in 2025, introducing new slabs across both short-term (1-year) and long-term (5-year) deposits. Rate adjustments are linked to improved liquidity conditions and RBI’s neutral policy stance.
2025 FD Rate Changes:
- 1-Year FD: Marginal 0.10%–0.30% hike in most banks
- 5-Year FD: Stronger 0.25%–0.50% revisions
- Senior Citizen Premium: Remains at 0.50%–0.75% above normal FD rates
Private banks generally revised rates upward to attract long-term deposits. Meanwhile, PSU banks focused on steady returns, favoring conservative investors.
These updated rates come at a crucial time, as senior citizens continue to rely heavily on fixed-income products for monthly financial security.
Key Points:
- FD revisions implemented across all major banks
- Long-term 5-year rates outperform short-term slabs
- Higher spreads available for seniors versus general customers
- Market expects further adjustments depending on RBI’s 2025 guidelines
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#SeniorCitizenSchemes #FixedDeposits2025 #BankInterestRates #FDComparison #EconomyNews
