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Senior Citizen Fixed Deposits (FDs) are term deposit plans with special interest rates offered by Udham singh nagar district co-operative Bank ltd to individuals who are over the age of 60. These fixed deposit accounts offer a wide range of benefits to senior citizens, apart from the additional rate of interest that can go up to 0.50% more than for the general public. The regular interest payout option can help senior citizens get a steady and reliable income stream in their post-retirement years. They can also avail a loan against the FD, if required.