Senior citizen fixed deposit: Suryoday Small Finance bank offers an interest rate of 9.6 per cent to senior citizens for fixed deposits maturing in five years. Senior citizens can get an interest rate of 9.5 per cent for FDs maturing in 1001 days in Unity Small Finance Bank FDs. A few small finance banks are still offering over 9 per cent interest rates on fixed deposits to senior citizens. Here's a full list