City Union Bank, DCB Bank, J&K Bank, And Three Others Revise FD Rates, Up To 7.65 Per Cent For Seniors

This week, a total of six banks revised their fixed deposit (FD) rates. Banks have been constantly reducing their FD rates for the last couple of months. The rates are now ranging between 6.50 per cent and 8.00 per cent for senior citizens in most banks. During the week ending January 17, 2026, City Union Bank, DCB Bank, J&K Bank, South Indian Bank, Kotak Mahindra Bank, and AU Small Finance Bank (SFB) revised their FD rates. Here are the revised interest rate details for senior citizens.

City Union Bank

This private sector bank revised its FD interest rates on January 14, 2026. It is offering seniors a deposit rate of 7.25 per cent (after revision) and super senior citizens (80 years and above), a deposit rate of 7.50 per cent.

Here are the details of rate of interest for both senior and super senior citizens:

For Seniors:

• 7.00 per cent for 365-499 days

• 7.25 per cent for 500 days

• 6.75 per cent for 501 days to three years

• 6.50 per cent for above three years to 10 years

For Super Seniors:

• 7.05 per cent for 365-499 days

• 7.50 per cent for 500 days

• 6.80 per cent for 501 days to three years

• 6.60 per cent for above three years to 10 years

DCB Bank

DCB bank revised FD rates on January 16, 2026. It offers seniors the highest rate of 7.50 per cent. DCB Bank FD rates for senior citizens are:

• 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 to seniors aged 70 and above)

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

Effective January 11, 2026, J&K Bank offers senior citizens a maximum rate of interest of 7.50 per cent on J&K Bank FDs. The senior citizens’ FD rates are:

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

• 7.20 per cent for 18 months to less than two years

• 7.25 per cent for two years to 887 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

Super seniors can avail of a 25 per cent additional interest over these rates.

South Indian Bank

South Indian Bank revised its FD rates on January 14, 2026. For seniors, the FD rates are:

• 6.85 per cent for one year

• 6.45 per cent for above one year to less than two years

• 7.10 per cent for two years

• 6.70 per cent for two years to less than five years

• 6.20 per cent for five years to less than 66 months

• 6.50 per cent for 66 months (Green Deposit)

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

Kotak Mahindra Bank

Kotak Mahindra Bank revised its FD rates on January 14, 2026. The highest interest rate for seniors is 7.20 per cent. They can receive:

• 7.00 per cent for 365 days to less than 15 months

• 7.20 per cent for 15 months to less than 18 months

• 7.20 per cent for 18 months to less than two years

• 7.00 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

AU Small Finance Bank

AU SFB offers seniors up to 7.10 per cent. The deposit rates for seniors are:

• 6.85 per cent for six months one day to 12 months

• 7.40 per cent for tenures from 12 months one day to 15 months

• 7.40 per cent for tenures from 15 months one day to 18 months

• 7.40 per cent for tenures from 18 months one day to 24 months

• 7.50 per cent for 24 months one day to 30 months

• 7.60 per cent for 30 months one day to 36 months

• 7.50 per cent for 36 months one day to 45 months

• 7.25 per cent for tenure from 45 months one day to 60 months

• 7.25 per cent for 60 months to 120 months

It revised the FD rates on January 12, 2026.