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Several banks in India offer higher interest rates on FDs for both general and senior citizen investors. Some banks offer FD interest rates of up to 8.40 percent which offer a safe investment choice with assured returns. Banks generally offer higher interest on long-term deposits. You can consider investing in the fixed deposit schemes in these banks on long-term deposits to get guaranteed returns.

Here's a list of ten banks that are offering higher FD interest rates to citizens on long-term deposits. 2 / 11

The State Bank of India offers 6.45 interest on two-year FD to regular citizens and 6.95 percent to senior citizens. These rates came into force on 15 July 2025. 3 / 11

ICICI Bank offers 6.6 percent interest on its five-year fixed deposit to general depositors and

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