I want to open joint bank account with my mother who is a housewife

I want to open joint bank account with my mother who is a housewife(no income source). I want to take benefit of Senior citizen FD and want to transfer my money and open FD in her name in the joint account. Since she doesn't have any income, so interest proceeds would be tax free. I want to understand the legal aspects of this. Is transferring money from my own account to joint account is legal? Is opening FD in my mother's name is safe and can I withdraw it later to my account? Is a gift deed required to transfer my money to my mother's joint account?