fintereBank of Baroda (BoB), Central Bank of India, CSB Bank, Jana Small Finance Bank (SFB), and Suryoday SFB revised their fixed deposit interest rates during the week ended September 13, 2025. Interest rates have declined in recent months and may continue trending downward. While current FD rates are less competitive than earlier this year, fixed deposits remain a preferred option for liquidity and capital safety. They are a core component of a traditional investment portfolio. Below are the revised FD rates for senior citizens for these five banks.
Bank Of Baroda (BoB)
This public sector bank revised its FD rates on September 12, 2025. It has reduced 0.25 per cent (25 basis points-bps) on one-year FD, and 10 bps on 444-day FD for seniors. Here are the rates:
For Senior Citizens (60 Years To Less Than 80 Years)
• 6.75 per cent for one year
• 7.00 per cent for above one year to 400 days
• 7.00 per cent for above 400 days to two years (except 444 days)
• 7.00 per cent for above two years to three years
• 7.00 per cent for above three years to five years
• 7.00 per cent for above five years to 10 years
• 7.10 per cent for 444 days (BoB Square Drive Deposit scheme)
For Super Seniors (80 Years And Above)
• 6.75 per cent for one year
• 7.10 per cent for various tenures above one year to five years
• 7.00 per cent for above five years to 10 years
• 7.20 per cent for 444 days (BoB Square Drive Deposit Scheme)
Central Bank Of India
The Central Bank of India, after revising its FD rates on September 10, 2025, offers seniors the highest 7.00 per cent, down from 7.50 per cent it offered in June this year. The rates for seniors are:
• 6.90 per cent for one year to less than two years
• 7.00 per cent for two years to less than three years
• 6.75 per cent for three years to less than five years
• 6.75 per cent for five years to 10 years
CSB Bank
Seniors can avail of a maximum of 7.30 per cent for the 13-month tenure on FDs with this private sector bank. The Bank has reduced FD rates by 20 to 70 bps. CSB FD rates as revised on September 10, 2025, are:
• 5.30 per cent for 12 months to less than 13 months
• 7.30 per cent for 13 months
• 5.80 per cent for above 13 months to 24 months
• 6.05 per cent for above 24 months to '24 months 14 days'
• 6.80 per cent for above '24 months 14 days' to 25 months
• 6.05 per cent for above 25 months to 60 months
• 6.30 per cent for above 60 months to 120 months
Jana Small Finance Bank
Jana SFB offers seniors the highest interest rate at 8 per cent. They can avail of:
• 7.75 per cent for 181 days to 365 days
• 7.80 per cent for 390 days
• 7.75 per cent for 391 days to two years (730 days)
• 8.00 per cent for above two years to three years (1095 days)
• 7.75 per cent for above three years to less than five years
• 8.00 per cent for five years (1825 days)
• 7.00 per cent for above five years to 10 years
The Bank revised FD rates on September 10, 2025.
Suryoday Small Finance Bank
Suryoday SFB reduced interest rates by 20 bps to 45 bps for various tenures but kept the highest interest rates unchanged at 8.40 per cent for the five-year tenure. Here are its revised FD rates for seniors:
• 7.60 per cent for one year
• 7.45 per cent for various tenures between one year and 36 months
• 6.95 per cent for above three years to less than five years
• 8.40 per cent for five years
• 7.45 per cent for above five years to 10 years
The revised rates are effective from September 8, 2025.
