Senior citizen FD interest rates have seen key shifts in 2025. Here’s a detailed comparison of 1-year and 5-year FD rates across major Indian banks.
Senior citizens looking for safe and stable returns in 2025 will notice clear changes in Fixed Deposit (FD) interest rates across India’s leading banks. While short-term (1-year) deposits saw moderate adjustments, long-term (5-year) deposits witnessed sharper revisions as banks responded to liquidity shifts and RBI’s policy stance.
Private sector banks continued to offer some of the highest returns, especially for senior citizens, while public sector banks maintained stable but slightly lower rates.
For 2025, most top banks display a 0.20%–0.45% change compared to late 2024 levels—an important signal for retirees focusing on income stability.
How Rates Changed in 2025:
- 1-Year FD: Small upward adjustments by select private banks
- 5-Year FD: More aggressive revisions due to long-term rate volatility
- Senior Citizen Bonus: Averaging +0.50% above regular FD rates
- Best Performer: Certain small finance banks offering 8%+ on longer tenures
Why the Change Matters:
Experts say these rate shifts impact pensioners who rely on FD returns for predictable monthly income.
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