I held a joint fixed deposit (FD) with my father, the primary account holder, with a PSU bank. The FD was taken in his name in order to benefit from additional interest granted to the elderly. After my father died recently, the bank said the FD had to be closed because it was a senior citizens FD and could not be sued in my name. The FD was due to mature in 2025. The bank said I could create a new FD, but the prevailing interest rate will apply. What is the best option for me now?