If you’re thinking about investing in a Fixed Deposit (FD), this update could be useful. As of July 2025, several small finance banks are offering interest rates above 8%, especially for senior citizens.
These rates apply mostly for FD tenures between 1 to 3 years. Let’s go through the details bank by bank.
Bank-wise FD Interest Rates:
Utkarsh Small Finance Bank
From 25 July 2025, senior citizens will earn 8.15%, while general citizens will get 7.65% on FDs for 2 to 3 years.
Jana Small Finance Bank
Starting 25 July 2025, offers 8.25% to senior citizens and 7.75% to general customers for FDs between 1 to 3 years.
Unity Small Finance Bank
Since 1 July 2025, offering a special FD for 1001 days with 8.25% for senior citizens and 7.75% for others.
ESAF Small Finance Bank
Effective 18 June 2025, giving 8.10% to senior citizens and 7.60% to general citizens on a 444-day FD.
Senior Citizens Get Higher Returns
All of these banks are offering higher interest rates to senior citizens compared to general investors. The highest rate of 8.25% is currently available from both Jana and Unity banks.
Points to Remember Before Investing:
Interest rates may change, so always verify the latest rates from the bank’s official website or branch.
Some offers, like those from Unity and ESAF, are for special tenures and might be available for a limited time only.
If you’re looking for safe and fixed returns, these small finance banks offer good FD options.
Senior citizens, in particular, can benefit the most from these high-interest schemes.
