SBI vs HDFC vs PNB vs ICICI: Which Bank Gives Highest FD Returns On Rs. 1 Lakh for Senior Citizens in 2025?

Fixed deposits are always considered one of the most reliable ways of investment for Indian investors, especially senior citizens who look for safety and zero market risk. Several banks in India offer higher interest rates and guaranteed returns via their senior citizen FDs, which also offer predictable income over time. One of the major factors that influences the returns is the tenure of the investment in fixed deposits. Let's compare some of the senior citizen FD interest rates in 2025 across top Indian banks such as SBI, PNB, ICICI Bank, and HDFC Bank. We also calculate how much a Rs. 1 lakh deposit can grow over 1, 3, and 5-year periods.

SBI FD Interest Rates for Senior Citizens in 2025

The State Bank of India, being the largest public sector bank in India, offers competitive fixed deposit rates for senior citizens. For a tenure of one year, the FD earns interest at 6.75% annually. If the same investment is locked in for a three-year term, the interest rate improves slightly to 6.80%. For longer-term deposits of five years, SBI offers a rate of 7.05%.

So, if a senior citizen invests Rs. 1,00,000 in SBI for one year, the maturity amount will be approximately Rs. 1,06,975. If they choose a three-year term, the final amount will grow to around Rs. 121,372. For a five-year tenure, the deposit would be worth about Rs. 140,087 on maturity.

PNB Fixed Deposit Rates for Seniors in 2025

Punjab National Bank (PNB) also offers attractive FD rates for elderly investors. As of 2025, PNB provides 6.90% interest for both one-year and three-year deposits. For a five-year FD, the interest rate is slightly higher at 7.00%.

If Rs. 1 lakh is invested in a one-year senior citizen FD at PNB, it would grow to nearly Rs. 1,06,900. Over three years, the same investment could mature to around Rs. 1,22,043. For a five-year period, the maturity amount is estimated to be Rs. 1,40,255.

HDFC Bank FD Interest Rates for Senior Citizens

In 2025, HDFC Bank is offering 6.75% for one-year FDs for seniors while increasing the rate to 6.95% for three-year deposits and 6.90% for a five-year lock-in. These rates are slightly better than some peers in the mid-term range.

For an Rs. 1 lakh deposit in a one-year FD at HDFC Bank, the maturity amount would be around Rs. 1,06,975. If invested for three years, it grows to Rs. 1,22,644. A five-year investment would yield approximately Rs. 1,41,851 upon maturity.

ICICI Bank FD Rates for Senior Citizens in 2025

ICICI Bank offers a 6.75% interest rate for one-year FDs for senior citizens. For three and five-year terms, ICICI offers a higher rate of 7.10%. On depositing Rs. 1,00,000 in ICICI Bank's one-year FD, the maturity value would be around Rs. 1,06,975. A three-year deposit would fetch approximately Rs. 1,23,052, and for five years, the final amount would be close to Rs. 1,42,173.

Which Bank Offers the Best FD Returns for Senior Citizens?

While all four banks offer decent returns, ICICI Bank and HDFC Bank offer slightly higher interest rates for longer tenures. For those looking at short-term growth over one year, PNB leads with a 6.90% rate. For medium- to long-term options like 3 to 5 years, ICICI Bank's 7.10% stands since it gives higher maturity values compared to other banks.

Disclaimer: The information provided in this article is for general informational purposes only and does not constitute financial, investment, or credit advice. GoodReturns.in and its affiliates are not responsible for any loss or damage resulting from reliance on the information presented.