Personal Finance News
Senior citizen fixed deposit rates revised: Latest November 2025 FD returns from Kotak, ICICI, Axis, Federal & Jana
.png)
7 min read | Updated on November 25, 2025, 07:52 IST
SUMMARY
Compare revised senior citizen fixed deposit rates for November 2025. Kotak, ICICI, Axis, Federal & Jana announce updated returns across short- and long-term deposits.
Kotak, ICICI, Axis, Federal & Jana latest FD returns for November 2025. | Image: Shutterstock
Kotak Mahindra Bank latest FD rates
As of 21st November 2025, Kotak Mahindra Bank offers attractive Fixed Deposit (FD) interest rates for senior citizens (age 60+) across domestic, NRO, and NRE accounts for deposits less than ₹3 crore. Short-term FDs of 7–14 days and 15–30 days earn 3.25%, while 31–45 day deposits offer 3.50%, and 46–90 day tenures yield 4.00%, giving seniors slightly higher returns than regular depositors.
One-year FDs (365–389 days) provide 6.75%, and 12-month-plus deposits of 390 days up to less than two years earn 7.00–7.20%, ideal for medium-term planning. Long-term tenures of 2–10 years continue to deliver competitive returns ranging from 6.90% to 6.75%, with deposits over five years up to 10 years yielding 6.75%.
The bank allows premature withdrawal with proportionate interest, and the senior citizen benefit is generally 0.50% extra over regular rates.
ICICI Bank latest FD rates
ICICI Bank is offering competitive FD returns for seniors: for short-term maturities of 7–45 days, the rate is 3.25%, rising to 4.50% for 46–90 days. For one year (185 days to less than 1 year), seniors can get 6.00%, while 1–1.5 year tenures yield 6.75%. For long-term FDs (2 years 1 day to 10 years) the top rate for seniors goes up to 7.10%.
Federal Bank latest FD rates
Federal Bank, for deposits less than ₹ 3 crore, offers 3.50% for 7–29 days, 3.75% for 30–45 days, and 4.75% for 46–90 days. For a 1‑year FD, senior citizens can avail 6.75%, while 999‑day (about 2.7 years) FDs offer up to 7.20%.
Kotak Bank FD Rates
| Tenure | General | Senior Citizen |
|---|---|---|
| 7 – 14 Days | 2.75% | 3.25% |
| 15 – 30 Days | 2.75% | 3.25% |
| 31 – 45 Days | 3.00% | 3.50% |
| 46 – 90 Days | 3.50% | 4.00% |
| 91 Days | 5.00% | 5.50% |
| 92 – 179 Days | 4.25% | 4.75% |
| 180 Days | 5.75% | 6.25% |
| 181 – 269 Days | 5.50% | 6.00% |
| 270 Days | 5.50% | 6.00% |
| 271 – 363 Days | 6.00% | 6.50% |
| 364 Days | 6.00% | 6.50% |
| 365 – 389 Days | 6.25% | 6.75% |
| 390 Days | 6.50% | 7.00% |
| 391 Days – < 23 Months | 6.70% | 7.20% |
| 23 Months | 6.70% | 7.20% |
| 23M 1D – < 2 Years | 6.70% | 7.20% |
| 2 – < 3 Years | 6.40% | 6.90% |
| 3 – < 4 Years | 6.40% | 6.90% |
| 4 – < 5 Years | 6.40% | 6.90% |
| 5 – 10 Years | 6.25% | 6.75% |
ICICI Bank FD Rates
| Tenure | General | Senior Citizen |
|---|---|---|
| 7 – 45 Days | 2.75% | 3.25% |
| 46 – 90 Days | 4.00% | 4.50% |
| 91 – 184 Days | 4.50% | 5.00% |
| 185 Days – < 1 Year | 5.50% | 6.00% |
| 1 Year – < 18 Months | 6.25% | 6.75% |
| 18 Months – 2 Years | 6.40% | 6.90% |
| 2Y 1D – 5 Years | 6.60% | 7.20% |
| 5Y 1D – 10 Years | 6.60% | 7.10% |
| Tax Saver FD (5Y) | 6.60% | 7.20% |
Federal Bank FD Rates
| Tenure | General | Senior Citizen |
|---|---|---|
| 7 – 29 Days | 3.00% | 3.50% |
| 30 – 45 Days | 3.25% | 3.75% |
| 46 – 90 Days | 4.25% | 4.75% |
| 91 – 180 Days | 4.50% | 5.00% |
| 181 Days | 6.00% | 6.50% |
| 182 – 270 Days | 5.50% | 6.00% |
| 271 Days – < 1 Year | 5.90% | 6.40% |
| 1 Year | 6.25% | 6.75% |
| Above 1Y – < 15M | 6.50% | 7.00% |
| 15 Months | 6.60% | 7.10% |
| Above 15M – < 36M | 6.50% | 7.00% |
| 36 Months | 6.70% | 7.20% |
| Above 36M – 10Y | 6.50% | 7.00% |
| Above 10Y – 20Y | 6.00% | 6.15% |
Axis Bank FD Rates
| Tenure | General | Senior Citizen |
|---|---|---|
| 7 – 14 Days | 3.00% | 3.50% |
| 15 – 29 Days | 3.00% | 3.50% |
| 30 – 45 Days | 3.25% | 3.75% |
| 46 – 60 Days | 4.00% | 4.50% |
| 61 – 87 Days | 4.00% | 4.50% |
| 88 Days – 3M 24D | 4.50% | 5.00% |
| 3M 25D – < 4M | 4.50% | 5.00% |
| 4M – < 6M | 4.50% | 5.00% |
| 6M – < 9M | 5.50% | 6.00% |
| 9M – < 1Y | 5.75% | 6.25% |
| 1Y – 1Y 10D | 6.25% | 6.75% |
| 1Y 11D – < 13M | 6.25% | 6.75% |
| 13M – < 15M | 6.25% | 6.75% |
| 15M – < 18M | 6.60% | 7.10% |
| 18M – < 2Y | 6.60% | 7.10% |
| 2Y – < 3Y | 6.60% | 7.10% |
| 3Y – < 5Y | 6.60% | 7.10% |
| 5Y – 10Y | 6.60% | 7.35% |
Jana Small Finance Bank FD Rates
| Tenure | General | Senior Citizen |
|---|---|---|
| 7 – 14 Days | 5.15% | 5.15% |
| 15 – 60 Days | 5.25% | 5.25% |
| 61 – 90 Days | 5.25% | 5.25% |
| 91 – 120 Days | 5.25% | 5.25% |
| 121 – 180 Days | 5.25% | 5.25% |
| 181 – 365 Days | 7.25% | 7.75% |
| > 1Y – 2Y | 7.45% | 7.95% |
| > 2Y – 3Y | 7.50% | 8.00% |
| > 3Y – < 5Y | 7.25% | 7.75% |
| 5Y | 8.00% | 8.00% |
| > 5Y – 10Y | 6.50% | 7.00% |
Axis Bank latest FD rates
Jana Small Finance Bank latest FD rates
Related News
By signing up you agree to Upstox’s Terms & Conditions
About The Author
Next Story
