Senior citizens looking for a regular income often prefer investment options that offer low risk and stable returns. So, many senior citizens invest in instruments such as Senior Citizens Savings Scheme (SCSS), fixed deposits (FDs), RBI Floating Rate Savings Bonds, etc. In all of them, they can get stable returns that can fund their retirement. Many banks, including State Bank of India (SBI), offer 5-year senior citizen FDs. If you are a senior citizen with a Rs 20 lakh investment amount, where can you generate the highest returns among these three schemes- SCSS, SBI 5-year senior citizen FD or RBI floating rate bonds? SCSS vs FD vs RBI bond