Dhanlaxmi Bank, Jana SFB Revise FD Rates, Up To 8 Per Cent For Senior Citizens

In the week ahead of the Reserve Bank of India’s (RBI) monetary policy committee (MPC) meeting, which is scheduled from December 3-5, 2025, two banks have revised their fixed deposits (FD) rates. Dhanlaxmi Bank and Jana Small Finance Bank (SFB), revised their FD rates during the week ending on November 29, 2025, to offer seniors up to 8 per cent on their fixed deposits.

Meanwhile, speculations are that the RBI MPC may announce a 25 basis points (bps) rate cut in this meeting, due to subdued inflationary pressure. However, some experts believe that the central bank is likely to keep the rates unchanged due to a pick up in the economic growth rate, attributing it to related reforms, such as goods and service tax (GST) rate cut, according to a PTI report.

Amid this, investors need to keep a watch on the rate revisions to adjust their investments accordingly. 

Here are the details of the FD rates the two banks are offering to senior citizens after the revision.

Dhanlaxmi Bank

This private sector bank revised its FD rates on November 28, 2025, offering a rate of 7.45 per cent to senior citizens. Here are the details:

• 5.25 per cent for 180 days to less than one year

• 6.60 per cent for 300 days (9 months and 27 days for online FD)

• 6.75 per cent for one year to two years

• 7.45 per cent for 370 Days (12 months and five days for online FD)

• 7.00 per cent for more than two years to three years

• 7.00 per cent for more than three years to five years

• 7.10 per cent for more than five years to 10 years

The bank offers an additional 0.50 per cent interest to seniors, but only to the FD of one year or above tenure. The additional interest rate is included here.

Jana Small Finance Bank

Jana SFB revised the rates on November 24, 2025. Seniors can avail of:

• 5.25 per cent for 131 days to 180 days

• 7.75 per cent for 181 days to 365 days

• 7.95 per cent for more than one year to two years (730 days)

• 8.00 per cent for more than two years to three years

• 7.75 per cent for more than three years to less than five years

• 8.00 per cent for five years (1825 days)

• 7.00 per cent for more than five years to 10 years

These FD rates for both banks are for callable FDs of less than Rs 3 crore. Callable FDs are those that can be withdrawn before maturity.