Bank FD Scheme: Bachat aur nivesh ki duniya mein Fixed Deposit (FD) ek safe aur popular option hai, especially senior citizens ya varishth nagrikon ke liye. Budhapa mein regular income ka source hona zaroori hota hai, aur FD yeh need poori karta hai. Sarkar aur banks milke seniors ko unki jama rashi par extra interest dete hain taaki unki financial security strong ho. Isse pension ya limited income par depend karna easy ho jata hai.
Sarkar ke schemes aur banks ke offers se seniors ko normal FD rates se 0.5% tak zyada interest milta hai. Kuch banks mein yeh extra 0.25% se 0.75% tak bhi ho sakta hai, khas kar long-term FDs par. Is article mein hum 2025 ke latest FD schemes discuss karenge aur top 7 banks jo seniors ko sabse zyada interest de rahe hain (as per October 2025 data). Ye rates small finance banks se highest hain, jahan safety bhi DICGC se up to ₹5 lakh insured hai.
Bank FD Scheme Kya Hai?
Fixed Deposit ek investment hai jahan aap fixed amount ko fixed tenure ke liye bank mein jama karte ho, aur fixed interest rate par return milta hai. Seniors ke liye yeh super beneficial hai kyunki extra interest milta hai – usually 0.5% more than general public. Example: Agar normal rate 7% hai, toh seniors ko 7.5% mil sakta hai.
Sarkar seniors (60+ age) ko encourage karti hai, aur banks jaise SBI ka “We-Care” scheme super seniors (80+) ko extra bonus deta hai. Long tenures (5-10 years) par aur bhi zyada fayda. Plus, tax benefits under Section 80C for some schemes, aur SCSS jaise options 8.2% tak dete hain.
7 Banks Jo De Rahe Hain Sabse Zyada FD Interest Seniors Ko
Yahan latest rates (October 2025) ke according top 7 banks ki list hai, focus on small finance banks jahan rates highest hain. Humne table banaya for easy comparison (highest rate aur tenure mentioned):
| Bank Name | Highest Interest Rate (%) | Tenure | Key Notes |
|---|---|---|---|
| Suryoday Small Finance Bank | 8.40 | 5 years | Long-term ke liye best, monthly payout option. |
| Utkarsh Small Finance Bank | 8.15 | 2-3 years | High return with safety, good for medium tenure. |
| ESAF Small Finance Bank | 8.10 | 444 days | Short-term high rate, flexible. |
| Jana Small Finance Bank | 8.00 | Above 2-3 years & 5 years | Multiple options, reliable. |
| Ujjivan Small Finance Bank | 7.95 | 2 years | Steady growth for seniors. |
| Equitas Small Finance Bank | 7.90 | 888 days | Attractive for specific tenure. |
| Shivalik Small Finance Bank | 7.80 | 18-24 months | Quick returns with extra senior bonus. |
Ye rates seniors ke liye hain, including extra 0.5% premium. Major banks jaise SBI (up to 7.30% for 3 years), PNB (up to 7.40%), Bandhan (7.50%) lower hain, lekin zyada trusted. Rates change ho sakte hain, so bank website check karo.
FD Ke Aur Bhi Fayde Seniors Ke Liye
- Tax Savings: FD interest par TDS lagta hai, lekin Form 15H submit karke avoid kar sakte ho agar income low hai. Plus, 5-year FD tax-free under 80C.
- Insurance: ₹5 lakh tak DICGC cover, safe investment.
- Payout Options: Monthly, quarterly ya maturity par – regular income ke liye perfect.
- Other Schemes: SCSS (8.2%), PMVVY jaise govt options bhi compare karo.
Read more: – Car Loan: Diwali Par Ye 10 Banks De Rahe Sabse Sasta Car Loan – Puri List Check Karo Aur Dream Car Le Aao!
FD Mein Kaise Apply Kare?
Simple steps:
- Bank choose karo highest rate wala.
- Documents: Aadhaar, PAN, photo, age proof (60+), address proof.
- Bank branch ya online app se apply – amount aur tenure select karo (7 days to 10 years).
- Jama karo, aur FD receipt milegi.
Seniors ke liye special counters hote hain banks mein. Online bhi easy hai apps jaise YONO (SBI) se.
Conclusion: Secure Your Future With FD!
FD seniors ke liye best hai – safe, high returns, aur regular income. 2025 mein ye top banks se shuru karo. Agar credit risk avoid karna hai, toh big banks choose karo. Latest rates ke liye bank visit karo. Kya aapne FD try kiya? Comment share karo!
