Compare 3-Year FD Rates: Top Banks Offer Up To 7.25% for Senior Citizens in 2026

• HDFC Bank and ICICI Bank offer identical 6.45% (regular) and 6.95% (senior) on 3-year FDs.
• Kotak Mahindra Bank provides slightly lower rates at 6.4% (regular) and 6.9% (senior) for the same tenure.
• Federal Bank stands out with 6.75% for regular customers and 7.25% for senior citizens, effective January 1, 2026.
• Public sector banks like SBI offer 6.3% (regular) and 6.8% (senior), while Canara Bank gives 6.25% and 6.75% respectively.
• Union Bank of India is at the lower end, offering 6% (regular) and 6.5% (senior) as of December 5, 2025.

Why It Matters: Comparing 3-year FD rates across banks is crucial to maximize returns, as even small differences matter.