Fixed deposit investors are closely watching interest rates after the Reserve Bank of India (RBI) decided to keep the repo rate unchanged at 5.5% in its latest monetary policy committee (MPC) meeting today (Friday, June 5, 2026). Several banks have already revised their fixed deposit (FD) interest rates in June 2026.
For savers looking to lock in attractive returns, some banks are offering up to 8% interest to senior citizens on select tenures. Punjab National Bank (PNB), Ujjivan Small Finance Bank, Union Bank of India and DCB Bank are among the lenders that have revised their FD rates this month.
Here's a look at the latest FD interest rates for general and senior citizens available at PNB, Ujjivan Small Finance Bank, Union Bank of India and DCB Bank.
PNB FD interest rates
Punjab National Bank (PNB) offers fixed deposit (FD) interest rates ranging from 3% to 6.6% for general citizens on deposits below Rs 3 crore. Senior citizens receive an additional 0.50% over the applicable rate. So, senior citizens can earn a maximum interest rate of 7.10% on FDs with a tenure of 444 days.
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Super senior citizens (aged 80 years and above) are eligible for an additional benefit and can earn up to 7.40% interest on the same 444-day tenure. These revised FD interest rates are effective from June 1, 2026.
| Sl. No | Period | Revised Rates For Public | Revised Rates for Senior Citizens | Revised Rates for Super Senior Citizens |
| 1 | 7 to 14 Days | 3 | 3.5 | 3.8 |
| 2 | 15 to 45 Days | 3 | 3.5 | 3.8 |
| 3 | 46 to 90 Days | 4.5 | 5 | 5.3 |
| 4 | 91 to 154 Days | 4.9 | 5.4 | 5.7 |
| 5 | 155 Days | 5.55 | 6.05 | 6.35 |
| 6 | 156 Days to 179 Days | 4.9 | 5.4 | 5.7 |
| 7 | 180 to 270 Days | 5.6 | 6.1 | 6.4 |
| 8 | 271 Days to 302 Days | 5.6 | 6.1 | 6.4 |
| 9 | 303 Days | 5.55 | 6.05 | 6.35 |
| 10 | 304 Days to >1 Year | 5.6 | 6.1 | 6.4 |
| 11 | 1 Year | 6.25 | 6.75 | 7.05 |
| 12 | >1 Year to 389 Days | 6.3 | 6.8 | 7.1 |
| 13 | 390 Days | 6.3 | 6.8 | 7.1 |
| 14 | 391 Days to 443 Days | 6.3 | 6.8 | 7.1 |
| 15 | 444 Days | 6.6 | 7.1 | 7.4 |
| 16 | 445 Days to 665 Days | 6.3 | 6.8 | 7.1 |
| 17 | 666 Days | 6.5 | 7 | 7.3 |
| 18 | 667 Days to 2 Years | 6.3 | 6.8 | 7.1 |
| 19 | >2 to 3 Years | 6.3 | 6.8 | 7.1 |
| 20 | >3 Years to 1203 Days | 6.35 | 6.85 | 7.15 |
| 21 | 1204 Days | 6.3 | 6.8 | 7.1 |
| 22 | 1205 Days to 5 Years | 6.35 | 6.85 | 7.15 |
| 23 | >5 Years to 10 Years | 6 | 6.8 | 6.8 |
Ujjivan Small Finance Bank FD interest rates
Ujjivan Small Finance Bank offers FD interest rates ranging from 3.50% to 7.55% per annum for general citizens on deposits below Rs 3 crore. The highest interest rate of 7.55% is available on select tenures.
Senior citizens are eligible for an additional interest rate of 0.50% per annum. As a result, they can earn up to 8.05% interest on fixed deposits tenures of 3 years 1 day to 3 years 6 months. The revised FD interest rates are effective from June 5, 2026.
| Tenure | Interest Rate (p.a.) (Below₹ 3 Crores) |
| 7 days to 29 days | 3.50% |
| 30 days to 89 days | 4.15% |
| 90 days to 179 days | 4.65% |
| 180 days | 6.00% |
| 6 months to < 1 Year | 5.50% |
| 1 Year to < 2 Years | 7.25% |
| 2 Years | 7.40% |
| 2 Year 1 day - 3 Years | 7.25% |
| 3 Year 1 Day – 3 year 6 months | 7.55% |
| >3 Year 6 months - 5 Years | 7.20% |
| 5 Years 1 day | 7.30% |
| 5 Years 2 Days - 10 Years | 6.50% |
| Additional Interest Rate for Senior Citizens | 0.50% |
Union Bank of India FD interest rates
Union Bank of India offers FD interest rates in the range of 2.70% and 6.65% for general citizens for amounts below Rs 3 crore. The additional rate component, applicable to resident senior citizen deposits, is 0.50% over the applicable date. So senior citizens will earn the highest FD interest rate of 7.15% on a tenure of 555 days. The rates are effective from June 1, 2026.
| Tenor | Revised Interest Rate |
| < Rs. 3 Cr | |
| 7-14 Days | 2.7 |
| 15 -30 Days | 2.8 |
| 31-45 Days | 3 |
| 46 -90 Days | 4 |
| 91-120 Days | 4.3 |
| 121-180 Days | 4.75 |
| 181 -270 Days | 5.4 |
| 271-364 Days | 5.6 |
| 1 Yr to 399 days | 6.2 |
| 400 Days | 6.25 |
| 401 to 443 days | 6.25 |
| 444 days | 6.5 |
| 445 Days to 554 Days | 6.15 |
| 555 Days | 6.65 |
| 556 Days to 996 days | 6.15 |
| 997 days | 6.1 |
| 998 days to 3 Yrs | 6.1 |
| > 3 Yrs to 10 Yrs | 6 |
DCB Bank FD interest rates
DCB Bank offers fixed deposit (FD) interest rates ranging from 3.75% to 7.50% per annum for general citizens on deposits below Rs 3 crore. Senior citizens are eligible for an additional 0.50% over the applicable rate. As a result, senior citizens will earn a highest FD interest rate of 8.00% on deposits of 24 months to less than 25 months.
Super senior citizens (aged 70 years and above) receive an additional benefit and can earn up to 8.05% interest on the same tenure. These interest rates are effective from June 1, 2026.
| Tenure | General | Senior Citizens | Senior Citizens Plus |
| Deposit Interest Rate | Age: 60 years to less than 70 years (% p.a.) | Age: 70 years & above (% p.a.) | |
| (% p.a.) | |||
| 7 days to 45 days | 3.75% | 4.00% | 4.00% |
| 46 days to 90 days | 4.50% | 4.75% | 4.75% |
| 91 days to less than 6 months | 4.75% | 5.00% | 5.00% |
| 6 months to less than 10 months | 6.00% | 6.25% | 6.25% |
| 10 months to less than 12 months | 6.50% | 6.75% | 6.75% |
| 12 months to less than 15 months | 6.90% | 7.15% | 7.15% |
| 15 months to less than 16 months | 7.00% | 7.50% | 7.50% |
| 16 months to less than 24 months | 6.90% | 7.15% | 7.15% |
| 24 months to less than 25 months | 7.50%Highest | 8.00%Highest | 8.05%Highest |
| 25 months to less than 27 months | 6.90% | 7.15% | 7.15% |
| 27 months to less than 34 months | 7.00% | 7.25% | 7.25% |
| 34 months to Less than 35 months | 7.50%Highest | 8.00%Highest | 8.05%Highest |
| 35 months to less than 37 months | 7.00% | 7.25% | 7.25% |
| 37 months to 38 months | 7.10% | 7.60% | 7.65% |
| More than 38 months to less than 60 months | 7.00% | 7.25% | 7.25% |
| 60 months to 61 months | 7.50%Highest | 8.00%Highest | 8.05%Highest |
| More than 61 months to 120 months | 7.00% | 7.25% | 7.25% |
