Canara Bank, Central Bank Of India, Bank Of Maharashtra, And Four More Banks Revise FD Interest Rates; Know Details

Following the 25-basis-point (bps) repo rate cut last week, seven banks revised their fixed deposit (FD) rates during the week ended December 13, 2025. These banks include Canara Bank, Central Bank of India, Bank of Maharashtra, DCB Bank, J & K Bank, Nainital Bank, ICICI Bank and Jana Small Finance Bank. Here are the interest rate details for senior citizens.

Canara Bank

This public sector bank revised FD rates on December 8, 2025. Seniors can avail of up to 6.65 per cent from the bank. The FD rates for seniors are:

• 6.40 per cent for one year and above to one year 3 months

• 6.50 per cent for 444 days

• 6.65 per cent for 555 days

• 6.40 per cent for above one year three months to less than two years

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

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

• 6.40 per cent for above five years and above to 10 years

Central Bank Of India

The Central Bank of India revised its FD rates on December 10, 2025.  For senior citizens, the rates are:

• 6.70 per cent for one year to less than two years

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

• 6.50 per cent for three years to less than five years

• 6.50 per cent for five years to 10 years

Bank Of Maharashtra

The bank offers the highest 6.65 per cent to senior citizens, including the additional 0.50 per cent available to them. After the rate revision on December 8, 2025, seniors can avail of:

• 6.70 per cent for one year

• 6.65 per cent for above one year to two years

• 5.75 per cent for above two years to three years

• 5.50 per cent for above three years to five years

• 5.50 per cent for above five years

Special FD rates for seniors, to be effective from December 15, 2025, are:

• 7.00 per cent for 400 days

• 7.05 per cent for 500 days

• 6.55 per cent for 1777 days (Green Deposit)

DCB Bank

This private sector bank revised rates on December 11, 2025. It offers seniors a maximum of 7.65 per cent. Here are the interest rates of different tenures for seniors:

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

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

• 7.15 per cent for 16 months to less than 27 months

• 7.25 per cent for 27 months to less than 28 months

• 7.25 per cent for 28 months to less than 37 months

• 7.60 per cent for 37 months to 38 months (7.65 per cent for seniors aged 70 and above)

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

• 7.65 per cent for more than 60 months to 61 months (7.70 per cent for seniors aged 70 and above)

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

J&K Bank

J&K Bank's new FD interest rates are effective December 11, 2025. Here are the rates for seniors:

• 7.00 per cent for one year to less than 18 months

• 7.20 per cent for 18 months to two years

• 7.25 per cent for two years to 888 days

• 7.50 per cent for 888 days

• 7.25 per cent for 889 days to less than three years

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

• 7.10 per cent for five years to 10 years

The bank offers super senior citizens (80 years and above) an additional 25 bps over these rates.

Nainital Bank

Nainital Bank revised its FD rates on December 11, 2025, and offers seniors up to 7.10 per cent and super seniors up to 7.20 per cent. Nainital Bank FD rates for seniors are:

• 6.90 per cent for one year to 18 months

• 7.10 per cent for above 18 months to two years

• 6.75 per cent for above two years to three years

• 6.25 per cent for above three years to five years

• 5.85 per cent for above five years to 10 years

Jana Small Finance Bank

Jana Small Finance Bank revised rates on December 11, 2025. Seniors can receive the highest 8.00 per cent with the bank. Here are the rates for seniors:

• 7.50 per cent for 271 days to 365 days

• 7.75 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

All the given banks’ rates are for callable FDs of less than Rs 3 crore.