New Delhi, Nov. 9 -- Senior citizens looking to earn predictable returns on their retirement savings can get fixed deposit (FD) interest rates of up to 8.6% a year. However, rates vary significantly across banks, with small finance banks generally offering higher returns than large private and public sector lenders.

Suryoday Small Finance Bank is offering the highest five-year FD interest rate of 8.6% to senior citizens, according to Paisabazaar data as of 4 November 2026. Jana Small Finance Bank and DCB Bank follow with rates of 8% each.

Among large private sector banks, HDFC Bank offers 7.2%, while ICICI Bank offers 7.1%. State Bank of India (SBI) offers 7.05% on five-year deposits.

Here is a comparison of the highest five-year FD ra...