Despite RBI rate cuts, these small finance banks still offer up to 9.10 per cent interest on FDs for senior citizens, check details 

Jana Small Finance Bank

Small finance banks FD rates for senior citizens: In 2025, the Reserve Bank of India (RBI) has slashed the repo rate by a total of 50 basis points (0.50 per cent) across two monetary policy meetings in February and April. While this has led to a marginal easing in lending and deposit rates across the banking sector, many major banks have significantly lowered interest rates on fixed deposits (FDs), affecting returns for savers, especially senior citizens.

However, some small finance banks continue to offer highly competitive FD rates — as high as 9.10 per cent — for senior citizens, making them an attractive option for those looking to secure better returns on their savings.

Here’s a look at the top small finance banks currently offering high FD rates for senior citizens, and how much you can get on maturity in each on a Rs 6,66,666 investment

(Disclaimer: These are projected calculations based on current FD rates and should not be considered financial advice. Please consult a financial expert for personalised investment planning.)

Jana Small Finance Bank is offering up to 8.55 per cent interest to senior citizens on FDs with a tenure ranging from over 1 year to 3 years.

Suryoday Small Finance Bank

This bank is providing one of the highest FD interest rates in the market, offering senior citizens 9.10 per cent for a tenure of 5 years.

Unity Small Finance Bank

Unity Small Finance Bank is also offering up to 9.10 per cent interest on its special 1001-day FD scheme for senior citizens.

Utkarsh Small Finance Bank

Senior citizens investing in FDs for a tenure of 2 to 3 years with Utkarsh Small Finance Bank can earn interest at a rate of 8.75 per cent.

NorthEast Small Finance Bank

This regional lender is offering up to 9.00 per cent interest to senior citizens for FDs with a tenure between 18 months 1 day to 18 months 2 days.

Jana Small Finance Bank: Maturity on Rs 6,66,666 investment

Jana Small Finance Bank: If a senior citizen invests Rs 6,66,666 for a period of 2 years, the maturity amount will be approximately Rs 7,89,569.01.

Suryoday Small Finance Bank: Maturity on Rs 6,66,666 investment

Unity Small Finance Bank: For a senior citizen investing Rs 6,66,666 for 1001 days, the maturity amount will be about Rs 8,53,253.84.

Utkarsh Small Finance Bank: Maturity on Rs 6,66,666 investment

Utkarsh Small Finance Bank: A senior citizen investing Rs 6,66,666 for 3 years can expect a maturity value of approximately Rs 8,64,334.00.

North East Small Finance Bank: Maturity on Rs 6,66,666 investment

North East Small Finance Bank: If a senior citizen invests Rs 6,66,666 for 18 months and 1 day (549 days), the maturity value will be around Rs 7,61,975.76.