Secure & Peaceful Retirement with Senior Citizen Fixed Deposits
Earn Higher Interest. Zero Market Risk.
Guaranteed & Safe Investment for Your Golden Years.
✔ Higher Interest for Senior Citizens
✔ Flexible Tenure Options
✔ Monthly / Quarterly Payout Available
✔ Safe & Guaranteed Returns
Secure Your Future with Fixed Deposits
Guaranteed Returns • Capital Safety • Flexible Tenure Options
Guaranteed Returns
Enjoy assured interest rates with zero market risk. Perfect for stable wealth creation.
Flexible Tenure
Choose tenure from 7 days up to 10 years based on your financial planning goals.
Monthly / Quarterly Payout
Select regular income option or cumulative plan for higher maturity benefits.
Senior Citizen Benefit
Senior citizens get additional interest rates for enhanced retirement income security.
Female Investor Benefit
Special higher interest rates for women investors to encourage financial independence.
Renewal Benefit
Renew easily and enjoy loyalty benefits or enhanced interest rates on renewal.
Why Choose Fixed Deposits Through Unnat Wealth?
Safe, Secure & Smart FD Solutions with Higher Value
Multiple Bank & NBFC Options
Compare interest rates from leading banks & NBFCs in one place and choose the best FD plan easily.
Higher Interest Opportunities
Get access to special corporate FD & senior citizen FD rates for better returns.
Quick & Hassle-Free Process
Paperless documentation support with fast processing & dedicated assistance.
Safe & Secure Investment
Stable returns with low risk, ideal for conservative investors and short-term goals.
Portfolio Diversification
FDs help balance your overall portfolio risk alongside mutual funds & insurance.
Dedicated Relationship Support
Renewal reminders, maturity tracking & continuous service support from Unnat Wealth team.
Types of Fixed Deposits in India
Choose the right Fixed Deposit option based on your financial goals, risk profile and income needs.
Bank Fixed Deposit
Invest for 7 days to 10 years with guaranteed returns. Ideal for conservative investors seeking capital protection and stable interest income.
Corporate Fixed Deposit
Offered by reputed companies & NBFCs. Provides higher interest compared to bank FDs but comes with moderate risk.
Senior Citizen FD
Special FD scheme for individuals aged 60+. Enjoy higher interest rates and steady income after retirement.
Tax Saving FD
5-year lock-in FD eligible for deduction under Section 80C up to ₹1.5 lakh. Ideal for tax planning.
Recurring Deposit (RD)
Invest a fixed amount monthly and earn FD-like returns. Perfect for goal-based savings.
Flexi / Sweep-in FD
Linked with savings account. Excess balance automatically moves to FD for better returns while maintaining liquidity.
Non-Callable FD
Premature withdrawal not allowed. Offers slightly higher interest rates for long-term investors.
Minor / Child FD
Open FD in a child’s name under guardian supervision. Ideal for education and future financial planning.
NRE / NRO FD
Special FD schemes for Non-Resident Indians. Tax-free interest on NRE FD and flexible repatriation options.
Post Office Time Deposit
Secure FD scheme offered by India Post with tenure options of 1 to 5 years. 5-year deposit qualifies for tax benefit.
Best Corporate Fixed Deposit Interest Rates 2026
Fixed Deposit interest rates change based on tenure and investor category. Below is a comparison of leading NBFC Corporate Fixed Deposits with their latest indicative interest rates and safety ratings.
| Provider | Mahindra Finance | Shriram Finance | Bajaj Finance |
|---|---|---|---|
| Interest Rate (Non-Senior Citizen) | 7.00% | 7.60% | 6.95% |
| Interest Rate (Senior Citizen) | 7.25% | 8.10% | 7.30% |
| Tenure | 36 Months | 36 Months | 24 Months |
| Credit Rating |
Taxation on Fixed Deposit Interest in India
Before investing in Fixed Deposits (FD), it is important to understand how the interest earned is taxed. Tax rules differ for resident individuals, senior citizens, and NRIs.
1️⃣ General FD Taxation (Resident Individuals)
- FD interest is treated as "Income from Other Sources".
- Interest income is added to your total income and taxed as per your income tax slab.
- TDS is deducted if total FD interest exceeds ₹40,000 per year.
- TDS rate is 10% if PAN is available (20% without PAN).
- Cumulative FD interest is taxable every financial year (accrual basis).
- If total tax liability exceeds ₹10,000 annually, advance tax may apply.
2️⃣ Taxation for Senior Citizens (60+ Years)
- Higher TDS exemption limit of ₹50,000 per year.
- Eligible for deduction under Section 80TTB up to ₹50,000.
- Interest from FD, RD and Savings account qualifies for 80TTB benefit.
- Form 15H can be submitted to avoid TDS if income is below taxable limit.
- Additional FD interest rate benefit available from most banks.
3️⃣ Taxation for NRIs
- NRE FD: Interest is completely tax-free in India and fully repatriable.
- NRO FD: Interest is taxable in India.
- TDS on NRO FD is approx. 30% plus surcharge and cess.
- DTAA benefit may be available depending on country of residence.
- Limited repatriation allowed on NRO account.
• 5-Year Tax Saving FD qualifies for deduction under Section 80C (up to ₹1.5 lakh), but interest earned is taxable.
• Bank issues Form 16A for TDS deducted, which can be claimed while filing ITR.
• Always disclose total FD interest while filing Income Tax Return.
To avoid tax deductions on Fixed Deposit, submit either Form 15G (for individuals below 60 years) or Form 15H (for senior citizens) to your bank or NBFC at the beginning of the financial year, if your total income is below the taxable limit.
Disclaimer: Tax provisions mentioned above are based on current Indian Income Tax rules (FY 2025-26). Tax laws may change as per government amendments. Please consult a qualified tax advisor before making financial decisions.
We Provide After-Sales Service
FD Renewal Support
Maturity reminder & reinvestment guidance.
Interest & TDS Help
Form 15G/15H & tax assistance support.
Premature Closure
FD withdrawal process guidance.
KYC Assistance
Nominee & documentation update help.
Reinvestment Planning
Better rate shift advisory at maturity.
Dedicated Support
Ongoing relationship & service help.
Smart FD Planning – Calculate Your Guaranteed Returns
Use our advanced Fixed Deposit Calculator to estimate your maturity amount or periodic interest payout instantly. Plan confidently with accurate projections.
- ✔ Instant Maturity Calculation
- ✔ Monthly / Quarterly / Yearly Income Option
- ✔ Tenure in Months or Years
- ✔ Compare Reinvestment vs Payout Strategy
- ✔ Ideal for Safe & Stable Wealth Creation
FD Application Form
Fixed Deposit Interest Rates – 40 Institutions (India 2026)
| Institution | Category | Max Interest (p.a.)* | Safety / Rating |
|---|---|---|---|
| State Bank of India | PSU Bank | Up to 6.90% | Sovereign / DICGC |
| Punjab National Bank | PSU Bank | Up to 7.00% | Government Bank |
| Bank of Baroda | PSU Bank | Up to 7.00% | Government Bank |
| Canara Bank | PSU Bank | Up to 7.05% | Government Bank |
| Union Bank of India | PSU Bank | Up to 7.10% | Government Bank |
| Indian Bank | PSU Bank | Up to 7.10% | Government Bank |
| Bank of India | PSU Bank | Up to 7.20% | Government Bank |
| Indian Overseas Bank | PSU Bank | Up to 7.10% | Government Bank |
| HDFC Bank | Private Bank | Up to 7.00% | AAA Equivalent |
| ICICI Bank | Private Bank | Up to 7.10% | AAA Equivalent |
| Axis Bank | Private Bank | Up to 7.20% | DICGC Insured |
| IDFC FIRST Bank | Private Bank | Up to 7.50% | DICGC Insured |
| RBL Bank | Private Bank | Up to 7.70% | DICGC Insured |
| Kotak Mahindra Bank | Private Bank | Up to 7.20% | DICGC Insured |
| Yes Bank | Private Bank | Up to 7.25% | DICGC Insured |
| Federal Bank | Private Bank | Up to 7.30% | DICGC Insured |
| Suryoday Small Finance Bank | Small Finance Bank | Up to 7.90% | DICGC Insured |
| Jana Small Finance Bank | Small Finance Bank | Up to 7.75% | DICGC Insured |
| Ujjivan Small Finance Bank | Small Finance Bank | Up to 7.45% | DICGC Insured |
| AU Small Finance Bank | Small Finance Bank | Up to 7.60% | DICGC Insured |
| Equitas Small Finance Bank | Small Finance Bank | Up to 7.50% | DICGC Insured |
| Utkarsh Small Finance Bank | Small Finance Bank | Up to 7.80% | DICGC Insured |
| Post Office Time Deposit | Government Scheme | Up to 7.50% | Government Backed |
| Bajaj Finance Ltd | NBFC | Up to 8.65% | CRISIL AAA |
| Shriram Finance Ltd | NBFC | Up to 8.75% | CARE AAA / AA+ |
| Muthoot Capital | NBFC | Up to 9.00% | Check Rating |
| LIC Housing Finance | NBFC | Up to 7.25% | AAA Rated |
| Tata Capital | NBFC | Up to 8.00% | AA+/AAA |
| Sundaram Finance | NBFC | Up to 8.00% | AA+ |
| PNB Housing Finance | NBFC | Up to 7.35% | AA+ |
| Mahindra Finance | NBFC | Up to 8.20% | AAA |
| Manappuram Finance | NBFC | Up to 8.50% | AA |
| L&T Finance | NBFC | Up to 8.25% | AAA |
| Aditya Birla Finance | NBFC | Up to 8.00% | AA+ |
| ICICI Home Finance | NBFC | Up to 7.60% | AA+ |
