https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9119163
Equitas 888 days 8.20% w.e.f. 1st March
List of 6 small Finance Banks that Offers Highest Interest Rate on FDs to Senior Citizens
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Unity Small Finance Bank:
On FDs of 1001 days, Unity Small Finance Bank is offering interest rates of 9.00 per cent to the general public and 9.50 to senior citizens. The new rates are effective from February 15, 2023.
Jana Small Finance Bank:
On FDs of over two to three years, Jana Small Finance Bank is offering interest rates of 8.10 per cent to the general public and 8.80 per cent to senior citizens. The new rates are effective from February 1, 2023.
Suryoday Small Finance Bank:
On FDs of 999 days, Suryoday Small Finance Bank is offering interest rates of 8.51 per cent to the general public and 8.76 per cent to senior citizens. These rates are effective from December 21, 2022.
Ujjivan Small Finance Bank:
On FDs of 560 days, Ujjivan Small Finance bank is offering interest rates of 8.00 per cent to the general public and 8.75 per cent to senior citizens. The new rates are effective from November 5, 2022.
Utkarsh Small Finance Bank:
On FDs of 700 days, Utkarsh Small Finance Bank is offering interest rates of 8.00 per cent to the general public and 8.75 per cent to senior citizens. These rates are effective from November 21, 2022.
North East Small Finance Bank:
On FDs of 111 days, North East Small Finance Bank is offering interest rates of 8.00 per cent to the general public and 8.75 per cent to senior citizens.
Expired
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https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9119674
Ujjivan online account open not working.
Without account max FD of 90k only possible
Unity online process not understandable. They are taking your contact and basic details on Google forms 
and saying we'll call back.
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9119678
Nice thread vu+
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9119724
North East Small Finance Bank:
On FDs of
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9119804
| Small Finance Bank | Tenure of FD | Interest Rate for General Public | Interest Rate for Senior Citizens | Effective Date |
|---|---|---|---|---|
| Unity Small Finance Bank | 1001 days | 9.00% | 9.50% | February 15, 2023 |
| Jana Small Finance Bank | 2-3 years | 8.10% | 8.80% | February 1, 2023 |
| Suryoday Small Finance Bank | 999 days | 8.51% | 8.76% | December 21, 2022 |
| Ujjivan Small Finance Bank | 560 days | 8.00% | 8.75% | November 5, 2022 |
| Utkarsh Small Finance Bank | 700 days | 8.00% | 8.75% | November 21, 2022 |
| North East Small Finance Bank | 111 days | 8.00% | 8.75% | N/A |
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9119805
Can you add the details about banks which can be opened online?
Use/Edit the table added above.
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9119966
Utkarsh went up to 9% for Seniors - https://www.utkarsh.bank/uploads/home_sidebar_f...
Do they allow FD without Savings Account ?
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9120113
bandhan 8.5% for 600days
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9120241
source - livemint
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9121255
Utkarsh small finance bank is now offering 8.25% for 700 days.
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9121310
equalizer wrote:Utkarsh went up to 9% for Seniors - https://www.utkarsh.bank/uploads/home_sidebar_f...
Do they allow FD without Savings Account ?
Yes
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9122942
Which small finance bank safest from above?
I am planning to do fd in equitas..Any issue in this bank?
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9124017
Paris_AI wrote:Which small finance bank safest from above?
I am planning to do fd in equitas..Any issue in this bank?
+1.. Can anyone tell me the safest out of these banks?
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9125656
raman12 wrote:Ujjivan sounds the best. It has zero MAB and zero debit card AMC for the senior citizen savings account. Also offers monthly, quarterly, and annual payout. Good for a regular income stream without any charges. But alas the online account opening isn't working as you mentioned and there is no branch in my town.Ujjivan online account open not working.
Without account max FD of 90k only possible
Unity online process not understandable. They are taking your contact and basic details on Google forms
Does any other bank offer >8% interest with a payout option for senior citizen fd that can be availed without paying useless debit card AMC charges or AMB or similar charges? I'm looking for something like that for my father who is a senior citizen.
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9125758
Expand
https://www.idfcfirstbank.com/personal-banking/...
But min balance 10k
arkashit wrote:Idfc first offers 8.25 Max for senior citizens 18 months
Ujjivan sounds the best. It has zero MAB and zero debit card AMC for the senior citizen savings account. Also offers monthly, quarterly, and annual payout. Good for a regular income stream without any charges. But alas the online account opening isn't working as you mentioned and there is no branch in my town.
Does any other bank offer >8% interest with a payout option for senior citizen fd that can be availed without paying useless debit card AMC charges or AMB or similar charges? I'm looking for something like that for my father who is a senior citizen.
https://www.idfcfirstbank.com/personal-banking/...
But min balance 10k
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9125891
Please help on which banks can be opened online
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9128707
InvestPotato wrote:TMB giving 8.5% for senior citizens for 300 days..Can be opened online.Please help on which banks can be opened online
https://www.livemint.com/money/personal-finance...
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9130486
How are the reviews about Jana small finance Bank?
Min balance
App/netbanking experience
Extra charges on tranfers or others
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9136319
raman12 wrote:Ujjivan online account open not working.
Without account max FD of 90k only possible
Unity online process not understandable. They are taking your contact and basic details on Google formsand saying we'll call back.
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9138892
ESAF BM saying cannot give FD without SB.. can anyone confirm this?
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9141825
How are your views about Utkarsh small finance bank?
Is there a bank where we can open multiple FDs of small amounts without opening bank account??
@dhinchakrohit @caks2006407 @InvestPotato @Jarvis.-. @Pikachu @Pikachu_1 @equalizer
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9141829
raman12 wrote:All banks are same till u keep 5Lakhs. I chose Equitas.How are your views about Utkarsh small finance bank?
Is there a bank where we can open multiple FDs of small amounts without opening bank account??
@dhinchakrohit @caks2006407 @InvestPotato @Jarvis.-. @Pikachu @Pikachu_1 @equalizer
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9141842
Expand
I tried Utkarsh bank - it say
For Ujjivan Small finance bank: Branch visit necessary
For AU Bank - It say address not serviceable although there is branch in my city
dhinchakrohit wrote:Does it allow online account open?
All banks are same till u keep 5Lakhs. I chose Equitas.
I tried Utkarsh bank - it say
WE'LL BACK SOON
We are currently working on a Amazing new website. Please get in touch with us!
For Ujjivan Small finance bank: Branch visit necessary
For AU Bank - It say address not serviceable although there is branch in my city
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9141856
InvestPotato wrote:
Small Finance Bank Tenure of FD Interest Rate for General Public Interest Rate for Senior Citizens Effective Date Unity Small Finance Bank 1001 days 9.00% 9.50% February 15, 2023 Jana Small Finance Bank 2-3 years 8.10% 8.80% February 1, 2023 Suryoday Small Finance Bank 999 days 8.51% 8.76% December 21, 2022 Ujjivan Small Finance Bank 560 days 8.00% 8.75% November 5, 2022 Utkarsh Small Finance Bank 700 days 8.00% 8.75% November 21, 2022 North East Small Finance Bank 111 days 8.00% 8.75% N/A
Jana bank has charges on NEFT, RTGS, IMPS all 3 No charges online
But debit card charges are there. Cannot find virtual DC option
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9144089
raman12 wrote:How are your views about Utkarsh small finance bank?href="https://www.desidime.com/users...31" target="_blank" rel="nofollow">@dhinchakrohit @caks2006407 @InvestPotato @Jarvis.-. @Pikachu @Pikachu_1 @equalizer
Utkarsh do not allow to open fd without bank account.Also there services are good.
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9144161
https://www.desidime.com/discussions/list-of-6-small-finance-banks-that-offers-highest-interest-rate-on-fds-to-senior-citizens?page=1#post_9144295
raman12 wrote:no relationship with utkarshHow are your views about Utkarsh small finance bank?
Is there a bank where we can open multiple FDs of small amounts without opening bank account??
@dhinchakrohit @caks2006407 @InvestPotato @Jarvis.-. @Pikachu @Pikachu_1 @equalizer
Equitas/Ujjivan both good - use these accounts only for keeping money; debit card rewards/mobile app, upi...etc all do not expect much
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