{"id":7727,"date":"2026-04-28T19:15:00","date_gmt":"2026-04-28T13:45:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=7727"},"modified":"2026-04-28T14:13:33","modified_gmt":"2026-04-28T08:43:33","slug":"top-7-tax-saving-fixed-deposits-in-india-offering-up-to-8-returns-compare-rates-for-regular-senior-citizens","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/top-7-tax-saving-fixed-deposits-in-india-offering-up-to-8-returns-compare-rates-for-regular-senior-citizens\/","title":{"rendered":"Top 7 Tax Saving Fixed Deposits in India Offering Up to 8% Returns \u2013 Compare Rates for Regular &amp; Senior Citizens"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis:<\/strong> <em>This article talks about the features and benefits of the Tax Savings Fixed Deposits (FD) and the top FDs that have the highest rate of interests.&nbsp;<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Tax Saving FDs allow you to make an investment that can be used to save tax under the section 80C of the Income Tax Act. These FDs are designed to be locked in for 5 years as per the Act, and then they can be claimed and used to get a tax exemption. The maximum Tax exemption provided is \u20b91.5 lakh.&nbsp;<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2997698379\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-features-of-tax-saver-fds\" style=\"font-size:22px\"><strong>Features of Tax Saver FDs<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Their tenure can be anywhere from 5 years to 10 years<\/li>\n\n\n\n<li>The interest rates provided are usually more than 6%<\/li>\n\n\n\n<li>Minimum deposit required for these FDs is \u20b9100. Many banks allow deposit more than \u20b91.5 lakh, but that is the maximum tax benefit you can claim under Section 80C.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-tax-saver-fd\" style=\"font-size:22px\"><strong>Benefits of Tax Saver FD<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It provides the investor with tax exemption<\/li>\n\n\n\n<li>Premature withdrawal is allowed after 5 years<\/li>\n\n\n\n<li>Many banks increase their interest rates for senior citizens<\/li>\n\n\n\n<li>Most Tax Saver FDs come with the option of making it a joint account.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Note:<\/strong> Only the primary holder will be eligible for the tax benefit in a joint account.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/a-lifetime-free-rupay-credit-card-thats-100-fd-backed-and-offers-huge-cashback-which-card-is-this\/\" target=\"_blank\" rel=\"noreferrer noopener\">A Lifetime Free RuPay Credit Card That\u2019s 100% FD-Backed and Offers Huge Cashback &#8211; Which Card Is This?<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-eligibility\" style=\"font-size:22px\"><strong>Eligibility<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The account holder should be a Resident Indian<\/li>\n\n\n\n<li>It can only be opened by Individuals or a Hindu Undivided Family (HUF) with an option to open a joint account as well<\/li>\n\n\n\n<li>They must possess a PAN card<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-documents-required-nbsp\" style=\"font-size:22px\"><strong>Documents Required&nbsp;<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PAN Card<\/li>\n\n\n\n<li>Government-recognized ID proof such as Aadhar Card, Driving License, Passport, Ration Card, Voter ID card, etc.<\/li>\n\n\n\n<li>Government-recognised address proof<\/li>\n\n\n\n<li>Proof of age (For senior citizens)<\/li>\n\n\n\n<li>2 passport-size photos.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-top-tax-saver-fds-interest-rate\" style=\"font-size:22px\"><strong>Top Tax-Saver FDS Interest Rate <\/strong><\/h2>\n\n\n<div id=\"footable_parent_7743\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"7743\" data-filter-delay=\"1000\" aria-label=\"Credit Card - Sheet1 (2).csv\"            id=\"footable_7743\"\n           data-unique_identifier=\"ninja_table_unique_id_2419239403_7743\"\n           class=\" foo-table ninja_footable foo_table_7743 ninja_table_unique_id_2419239403_7743 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>FDs have been and continue to be the investment option to be picked as it is safe, and it guarantees a return. You need to plan your taxes properly and manage your investments in a way that ensures you don\u2019t have to pay a huge amount in tax. Using tax-savings FDs, you will be able to not only earn returns that range from 6.25 to 8%, but you will also get the opportunity to use them to claim tax benefits and claim deductions on taxes of up to 1.5 lakhs as per Section 80C of the Income Tax Act.<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2880223625\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Written by Sagar V M<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: This article talks about the features and benefits of the Tax Savings Fixed Deposits (FD) and the top FDs that have the highest rate of interests.&nbsp; Tax Saving FDs allow you to make an investment that can be used to save tax under the section 80C of the Income Tax Act. These FDs are [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":7731,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"<!-- wp:quote -->\n<blockquote class=\"wp-block-quote\"><!-- wp:paragraph -->\n<p><strong>Synopsis:<\/strong> <em>This article talks about the features and benefits of the Tax Savings Fixed Deposits (FD) and the top FDs that have the highest rate of interests.\u00a0<\/em><\/p>\n<!-- \/wp:paragraph --><\/blockquote>\n<!-- \/wp:quote -->\n\n<!-- wp:paragraph -->\n<p>Tax Saving FDs allow you to make an investment that can be used to save tax under the section 80C of the Income Tax Act. These FDs are designed to be locked in for 5 years as per the Act, and then they can be claimed and used to get a tax exemption. The maximum Tax exemption provided is \u20b91.5 lakh.&nbsp;<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-features-of-tax-saver-fds\" style=\"font-size:22px\"><strong>Features of Tax Saver FDs<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Their tenure can be anywhere from 5 years to 10 years<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The interest rates provided are usually more than 6%<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Minimum deposit required for these FDs is \u20b9100. Many banks allow deposit more than \u20b91.5 lakh, but that is the maximum tax benefit you can claim under Section 80C.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol class=\"wp-block-list\"><\/ol>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-tax-saver-fd\" style=\"font-size:22px\"><strong>Benefits of Tax Saver FD<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>It provides the investor with tax exemption<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Premature withdrawal is allowed after 5 years<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Many banks increase their interest rates for senior citizens<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Most Tax Saver FDs come with the option of making it a joint account.\u00a0<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol class=\"wp-block-list\"><\/ol>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Note:<\/strong> Only the primary holder will be eligible for the tax benefit in a joint account.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-eligibility\" style=\"font-size:22px\"><strong>Eligibility<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>The account holder should be a Resident Indian<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>It can only be opened by Individuals or a Hindu Undivided Family (HUF) with an option to open a joint account as well<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>They must possess a PAN card<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol class=\"wp-block-list\"><\/ol>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-documents-required\" style=\"font-size:22px\"><strong>Documents Required\u00a0<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>PAN Card<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Government-recognized ID proof such as Aadhar Card, Driving License, Passport, Ration Card, Voter ID card, etc.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Government-recognised address proof<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Proof of age (For senior citizens)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>2 passport-size photos.\u00a0<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol class=\"wp-block-list\"><\/ol>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-top-tax-saver-fds-interest-rate\" style=\"font-size:22px\"><strong>Top Tax-Saver FDS Interest Rate <\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:table {\"hasFixedLayout\":false,\"align\":\"center\",\"className\":\"is-style-stripes\"} -->\n<figure class=\"wp-block-table aligncenter is-style-stripes\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><br>Bank Name<\/td><td class=\"has-text-align-center\" data-align=\"center\"><br>Regular Citizen<\/td><td class=\"has-text-align-center\" data-align=\"center\"><br>Senior Citizen<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Suryoday Small Finance Bank&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">7.9<\/td><td class=\"has-text-align-center\" data-align=\"center\">8.05<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Jana Bank<\/td><td class=\"has-text-align-center\" data-align=\"center\">7.77<\/td><td class=\"has-text-align-center\" data-align=\"center\">7.77<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Utkarsh Small Finance Bank<\/td><td class=\"has-text-align-center\" data-align=\"center\">7.00<\/td><td class=\"has-text-align-center\" data-align=\"center\">7.50<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Capital Small Finance Bank<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.80<\/td><td class=\"has-text-align-center\" data-align=\"center\">7.30<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">AU Small Finance Bank&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.75<\/td><td class=\"has-text-align-center\" data-align=\"center\">7.25<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Shivalik Small Finance Bank&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.25<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.75<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ESAF Small Finance Bank FD&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">5.75<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.25<\/td><\/tr><\/tbody><\/table><\/figure>\n<!-- \/wp:table -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>FDs have been and continue to be the investment option to be picked as it is safe, and it guarantees a return. You need to plan your taxes properly and manage your investments in a way that ensures you don\u2019t have to pay a huge amount in tax. Using tax-savings FDs, you will be able to not only earn returns that range from 6.25 to 8%, but you will also get the opportunity to use them to claim tax benefits and claim deductions on taxes of up to 1.5 lakhs as per Section 80C of the Income Tax Act.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:quote -->\n<blockquote class=\"wp-block-quote\"><!-- wp:paragraph -->\n<p>Written by Sagar V M<\/p>\n<!-- \/wp:paragraph --><\/blockquote>\n<!-- \/wp:quote -->","_et_gb_content_width":"","footnotes":""},"categories":[6,9,14],"tags":[2813,2814,2812],"ppma_author":[1013],"class_list":["post-7727","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","category-investment","category-trending","tag-tax-saving-deposit-india","tag-tax-saving-fixed-deposit-in-india","tag-tax-saving-fixed-deposit-offers-tax-saving-only-under-section-80c"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top 7 Tax Saving Fixed Deposits in India Offering Up to 8% Returns \u2013 Compare Rates for Regular &amp; 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