PNB, HDFC, IDFC First Bank, Utkarsh SFB, And Other Banks Revised FD Rates; Senior Citizens Can Get Up To 8.50 Per Cent

More than a dozen banks have revised their fixed deposit (FD) interest rates ahead of Diwali. Senior citizens can avail of up to 8.50 per cent. The

banks that revised FD rates during the week ending on November 7, 2026, include Punjab and Sind Bank, Punjab National Bank (PNB), Bank of India (BoI), Canara Bank, DCB Bank, Karnataka Bank, HDFC Bank, IDFC First Bank, Federal Bank, Kotak Mahindra Bank, Jana Small Finance Bank (SFB), Utkarsh SFB, and Capital SFB. Here are the rates for senior citizens:

Punjab And Sind Bank

The public sector bank revised its FD rates on November 6, 2026, offering seniors up to 7.40 per cent, including an additional 0.50 per cent (50 basis points - bps) rate for seniors. FD rates for seniors are:

• 6.35 per cent for one year

• 6.60 per cent for 366 days

• 6.10 per cent for 367 days to 374 days

• 6.90 per cent for 375 days

• 6.10 per cent for 376 days 443 days

• 7.30 per cent for 444 days

• 6.35 per cent for 445 days to 499 days

• 7.40 per cent for 500 days

• 6.35 per cent for 501 days to 665 days

• 7.35 per cent for 666 days

• 6.35 per cent for more than 667 days to less than 22 months

• 6.45 per cent for 22 months (PSB Green Earth)

• 6.35 per cent for more than 22 months to less than two years

• 6.45 per cent for two years to 776 days

• 6.60 per cent for 777 days

• 6.35 per cent for 778 days to 998 days

• 6.50 per cent for 999 days

• 6.45 per cent for 1000 days to less than three years

• 6.35 per cent for three years to less than 44 months

• 6.45 per cent for 44 months (PSB Green Earth)

• 6.35 per cent for more than 44 months to five years

• 6.45 per cent for five years

• 6.35 per cent for more than five years to less than 66 months

• 6.45 per cent for 66 months (PSB Green Earth)

• 6.35 per cent for more than 66 months to 10 years

Super senior citizens (80 years and above) can avail of an additional 15 bps over these rates for FDs of 375 Days, 444 Days, 500 Days, 666 Days, 777 Days, 999 Days, and 22 months, 44 months, and 66 months deposits.

Punjab National Bank (PNB)

PNB revised FD rates on November 5, 2026. Seniors can get up to 7.30 per cent. Super seniors (80 years and above) can avail of up to 7.55 per cent. The FD rates for seniors are:

• 6.75 per cent for one year

• 6.80 per cent for more than one year to 443 days

• 7.20 per cent for 444 days

• 6.80 per cent for 445 days to 679 days

• 7.30 per cent for 680 days

• 6.80 per cent for 681 days to two years

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

• 6.85 per cent for more than three years to 1203 days

• 6.80 per cent for 1204 days

• 6.85 per cent for 1205 days to five years

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

The bank offers seniors an additional interest of 50 bps over card rates for up to five years of FDs and 75 bps for more than five years of FDs. For super seniors (80 years and above), it offers an additional 75 bps across all tenures.

Bank of India (BoI)

Bank of India revised FD rates on November 2, 2026. It offers an additional 50 bps to senior citizens and 65 bps to super seniors over card rates for tenures of less than three years. For longer tenures, it offers an additional 75 bps to seniors and 90 bps to super seniors.

Here are FD rates for senior citizens:

• 7.10 per cent for one year

• 7.20 per cent for above one year to less than two years (except 500 Days)

• 7.35 per cent for 500 days (BOI Akshay Fixed Deposit)

• 7.30 per cent for two years to less than three years

• 7.45 per cent for three years

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

• 6.75 per cent for five years to less than eight years

• 6.75 per cent for eight years and above to 10 years

For super senior citizens:

• 7.25 per cent for one year

• 7.35 per cent for above one year to less than two years (except 500 days)

• 7.50 per cent for 500 days

• 7.35 per cent for two years to less than three years

• 7.60 per cent for three years

• 7.15 per cent for above three years to less than five years

• 6.90 per cent for five years to less than eight years

• 6.90 per cent for eight years and above to 10 years

Canara Bank

Canara Bank’s revised FD rates are effective from November 2, 2026. The bank offers seniors:

• 6.90 per cent for one year and above to one year 3 months (except 444 days)

• 7.15 per cent for 444 days

• 7.25 per cent for 555 days

• 6.75 per cent for above one year three months to less than two years (except 555 days)

• 6.75 per cent for above two years and up to less than three years

• 6.75 per cent for above three years and up to less than five years

• 6.75 per cent for above five years and up to 10 years

DCB Bank

Effective November 7, 2026, the bank's revised FD rates are applicable. Seniors (between 60 and 69 years) can receive a maximum of 8.25 per cent, and those above 70 years of age can get up to 8.30 per cent. Here are the details:

• 7.15 per cent for 12 months to less than 15 months

• 7.75 per cent for 15 months to less than 16 months

• 7.15 per cent for 16 months to less than 17 months

• 8.25 per cent for 17 months to less than 20 months (8.30 per cent for seniors aged 70 and above)

• 7.15 per cent for 20 months to less than 24 months

• 7.90 per cent for 24 months to less than 25 months (7.95 per cent for seniors aged 70 and above)

• 7.15 per cent for 25 months to less than 27 months

• 7.25 per cent for 27 months to less than 34 months

• 7.95 per cent for 34 months to less than 35 months (8.00 per cent for seniors aged 70 and above)

• 7.25 per cent for 35 months to less than 37 months

• 7.60 per cent for 37 months to 38 months

• 7.25 per cent for more than 38 months to less than 60 months

• 8.00 per cent for 60 months to 61 months (8.05 per cent for seniors aged 70 and above)

• 7.25 per cent for more than 61 months to 120 months

Karataka Bank

Karnataka Bank revised FD rates on November 2, 2026. Senior citizens (60 years and above) can avail of:

6.90 per cent for one year to less than 15 months

7.65 per cent for 15 months

6.90 per cent for above 15 months to 554 days only

7.40 per cent for 555 days

6.80 per cent for 556 days to two years

6.55 per cent for tenure above two years to three years

6.55 per cent for tenure above three years to five years

5.90 per cent for tenure above five years to 10 years

HDFC Bank

HDFC Bank’s new FD rates are applicable from November 4, 2026. The bank offers the highest 7.20 per cent to seniors. Here are the details:

6.75 per cent for one year to less than 15 months

6.85 per cent for 15 months to less than 18 months

7.00 per cent for 18 months to less than 21 months

7.00 per cent for 21 months to two years

7.05 per cent for two years one day to less than two years and 11 months

7.05 per cent for two years 11 months (35 months)

7.05 per cent for two years 11 months one day to three years

7.20 per cent for three years one day to less than four years seven months

7.20 per cent for four years seven months (55 months)

7.20 per cent for four years seven months one day to five years

7.10 per cent for five years one day to 10 years

IDFC First Bank

IDFC First Bank revised FD rates on November 4, 2026, offering seniors a maximum of 7.50 per cent on the ‘500 days to two years’ tenure. Here are the rates for seniors:

6.75 per cent for one year to 370 days

7.25 per cent for 371 days to 499 days

7.50 per cent for 500 days to two years

7.35 per cent for two years one day to three years

7.00 per cent for three years one day to five years

6.25 per cent for five years one day to 10 years

Federal Bank

Federal Bank revised FD rates on November 1, 2026. Senior citizens can receive up to 7.30 per cent with the bank. Here are the interest rate details:

6.75 per cent for one year

7.05 per cent for more than one year to less than 15 months

7.20 per cent for 15 months

7.05 per cent for above 15 months to 24 months

7.00 per cent for above 24 months to less than 48 months

7.30 per cent for 48 months

6.90 per cent for more than 48 months to 10 years

Kotak Mahindra Bank

Effective November 4, 2026, senior citizens can avail of a maximum of 7.55 per cent from Kotak Mahindra Bank FDs. The interest rates for seniors are:

7.20 per cent for 365 days to less than 15 months

7.35 per cent for 15 months to less than 18 months

7.30 per cent for 18 months to less than two years

7.55 per cent for two years to less than three years

6.90 per cent for three years and above to less than four years

6.90 per cent for four years and above to less than five years

6.75 per cent for five years and above to 10 years

Jana Small Finance Bank (SFB)

Senior citizens can receive the highest of 8.30 per cent from Jana SFB FDs, effective November 6, 2026. The rates for seniors are:

7.50 per cent for 271 days to 365 days

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

8.15 per cent for above two years to less than three years (1095 days)

8.30 per cent for three years (1095 days)

8.00 per cent for above three years to five years (1825 days)

7.00 per cent for above five years to 10 years

Utkarsh SFB

Utkarsh SFB revised FD interest rates on November 1, 2026. The new rates for seniors are:

6.40 per cent for 181 days to 370 days

7.65 per cent for 371 days to 665 days

8.50 per cent for 666 days

7.65 per cent for 667 days to less than two years

7.90 per cent for two years to less than three years

7.65 per cent for three years to less than four years

7.40 per cent for four years to five years

7.15 per cent for more than five years to 10 years

Capital SFB

Capital SFB revised FD rates on November 2, 2026. Seniors can get a maximum of 7.90 per cent. Here are revised FD rates for seniors:

7.50 per cent for one year to less than five years

7.50 per cent for five years to 10 years

Special category FD rates:

7.90 per cent for 12 months

7.75 per cent for 400 days

7.90 per cent for 600 days

7.75 per cent for 900 days

These FD rates are for callable FDs of less than Rs 3 crore.