SBI FD interest rates 2025 range between 3.50% to 7.10% p.a. for regular citizens and 4.00% to 7.50% p.a. for senior citizens. The tenure of SBI fixed deposit interest rates 2025 varies from 7 days up to 10 years. In this article, we will explore SBI FD interest rates and other key fixed deposit rates offered by the SBI bank.
| Tenure | REGULAR RATES | SENIOR CITIZEN |
| 7 days to 45 days | 3.50% | 4.00% |
| 46 days to 179 days | 5.50% | 6.00% |
| 180 days to 210 days | 6.25% | 6.75% |
| 211 days to less than 1 year | 6.50% | 7.00% |
| 1 year to less than 2 year | 6.80% | 7.30% |
| 2 years to less than 3 years | 7.00% | 7.50% |
| 3 years to less than 5 years | 6.75% | 7.25% |
| 5 years and up to 10 years | 6.50% | 7.50% |
| 400 days (Amrit Kalash) | 7.10% | 7.60% |
| 444 days (Amrit Vrishti) | 7.25% | 7.75% |
FD interest rates have been declining over last few years and is expected to further fall, as Indian economy grows in coming years.
For investors looking for a fixed return investment option, SBI Bank offers Guaranteed return plans as well which can be considered as an alternative to FD. These plans offer higher returns and come with an additional benefit of life cover for ensuring financial security for the investors family.
Total Investment
Interest Earned
Maturity Amount| BANKS | GENERAL CITIZENS | SENIOR CITIZEN |
| SBI Bank FD Rates | 3.50% - 6.50% | 4.00% - 7.50% |
| ICICI Bank FD Rates | 3.00% - 6.90% | 3.50% - 7.40% |
| HDFC Bank FD Rates | 3.00% - 7.00% | 3.50% - 7.50% |
| PNB FD Rates | 3.50% - 6.50% | 4.00% - 7.30% |
| Axis Bank FD Rates | 3.00% - 7.00% | 3.50% - 7.75% |
| Yes Bank FD Rates | 3.25% - 7.75% | 3.75% - 8.25% |
| Kotak Mahindra FD Rates | 2.75% - 6.20% | 3.25% - 6.70% |
| Bandhan Bank FD Rates | 3.00% - 5.85% | 3.75% - 6.60% |
| Union Bank of India FD Rates | 3.50% - 6.50% | 4.00% - 7.00% |
| Indusind Bank FD Rates | 3.50% - 7.25% | 4.00% - 8.25% |
| Canara Bank FD Rates | 4.00% - 6.70% | 4.00% - 7.20% |
| Bank of Baroda FD Rates | 4.25% - 6.50% | 4.75% - 7.50% |
| IDFC Bank FD Rates | 3.00% - 6.50% | 3.50% - 7.00% |
| Indian Bank FD Rates | 2.80% - 6.10% | 2.80% - 6.85% |
| DBS Bank FD Rates | 2.50% - 6.50% | 2.50% - 7.00% |
| UCO Bank FD Rates | 2.90% - 6.10% | 3.15% - 6.60% |
| Bank of India FD Rates | 3.00% - 6.00% | 3.00% - 6.75% |
| IDBI Bank FD Rates | 3.00% - 6.25% | 3.50% - 6.75% |
| Central Bank of India FD Rates | 3.50% - 6.75% | 4.00% - 7.25% |
State Bank of India (SBI), India's largest bank, serves over 420 million customers. Headquartered in Mumbai, SBI provides a comprehensive range of financial products, including savings accounts, loans, credit cards, and fixed deposits (FDs). SBI FDs offer a secure way to grow your savings, with interest rates ranging from approximately 3.00% to 6.50% for general citizens and 4.00% to 7.50% for senior citizens. SBI's FD scheme allows customers to deposit a lump sum for a fixed tenure, earning attractive interest. Tenures range from 7 days to 10 years, providing flexibility to suit various financial goals.
SBI FDs are rated FAAA/Stable by CRISIL, indicating a high level of stability and guaranteed, timely returns.
| Tenure | SBI FD Interest Rates 2025 (in % p.a.) |
| For 400 days | 7.10% p.a. (highest slab rate) |
| For 1 year | 6.80% p.a. |
| For 2 years | 7.00% p.a. |
| For 3 years | 6.75% p.a. |
| For 4 years | 6.75% p.a. |
| For 5 years | 6.50% p.a. |
| Tax-Saving FDs | 6.50% p.a. |
| Tenor | Interest Rates for General Citizens (in % p.a.) | Interest Rates for Senior Citizens (in % p.a.) |
| 7 days to 45 days | 3.50% | 4.00% |
| 46 days to 179 days | 5.50% | 6.00% |
| 180 days to 210 days | 6.25% | 6.75% |
| 211 days to less than 1 year | 6.50% | 7.00% |
| 1 Year to less than 2 years | 6.80% | 7.30% |
| 2 years to less than 3 years | 7.00% | 7.50% |
| 3 years to less than 5 years | 6.75% | 7.25% |
| 5 years and up to 10 years | 6.50% | 7.50% |
| Tenors | Interest Rates (p.a.) |
| 5 years | 7.50% |
| 10 years | 7.50% |
*Including additional premium of 50 bps under the”SBI We-care” deposit scheme.
| Tenure | Regular Customers Interest Rates (p.a.) | Senior Citizens Interest Rates (p.a.) |
| 5 – 10 years | 6.50% | 7.50% |
| Tenure | Regular Customers Interest Rates (p.a.) | Senior Citizens Interest Rates (p.a.) |
| 7 days to 45 days | 5.25% | 5.75% |
| 46 days to 179 days | 6.25% | 6.75% |
| 180 days to 210 days | 6.60% | 7.10% |
| 211 days to less than 1 year | 6.75% | 7.25% |
| 1 year to less than 2 years | 7.00% | 7.50% |
| 2 years to less than 3 years | 7.00% | 7.50% |
| 3 years to less than 5 years | 6.50% | 7.00% |
| 5 years and up to 10 years | 6.25% | 6.75% |
| Tenure | Regular Customers Interest Rates (p.a.) | Senior Citizens Interest Rates (p.a.) |
| 1 year | 7.10% | 7.60% |
| 2 years | 7.40% | 7.90% |
Below are the different types of SBI fixed deposit schemes:
1. SBI Tax Saving Scheme:
Designed for resident individuals and HUFs to save tax under Section 80C of the Income Tax Act, 1961.
Offers guaranteed returns with a fixed lock-in period.
Includes nomination facility and loan availability up to 90% of the deposit.
Senior citizens receive an additional 0.50% interest.
Requires a valid PAN number for opening.
2. Reinvestment Plan:
Interest is paid only upon maturity, maximizing the compounding effect.
Features nomination, loan, and auto-renewal facilities.
Senior citizens receive an extra 0.50% interest.
Open to resident Indians aged 18 and above.
3. SBI Multi Option Deposit Scheme:
Linked to savings or current accounts, allowing withdrawals in multiples of Rs. 1,000.
Interest is paid at maturity.
Offers nomination and loan facilities up to 90% of the deposit.
Suitable for resident and non-resident Indians, HUFs, and organizations.
4. Money Multiplier Plan:
Links a fixed deposit to a savings account for higher interest rates.
Provides loan and nomination facilities.
Interest is paid at maturity.
Senior citizens get an additional 0.50% interest.
Eligible entities include resident Indians, organizations, HUFs, trusts, and partnership firms.
5. Regular Fixed Deposit:
Allows investors to earn higher returns through a simple fixed deposit.
Interest is paid at maturity.
Includes nomination and auto-renewal facilities.
Senior citizens receive a 0.50% extra interest rate.
6. Flexi Deposit Scheme:
Functions like a recurring deposit, allowing multiple deposits within a month.
Offers loan and nomination facilities.
Senior citizens get an extra 0.50% interest rate.
7. Amrit Kalash FD Scheme:
A special tenor fixed deposit scheme with a tenor of 400 days.
The validity of this scheme has been extended, and is valid till 31-March-2025.
Offers a 7.1% interest rate for regular customers and 7.6% for senior citizens.
Interest payment options include monthly, quarterly, and half-yearly intervals. Special term deposit interest is paid at maturity.
Interest is credited to the customer's account net of TDS.
State Bank of India (SBI) offers a variety of Fixed Deposit (FD) schemes with varying tenures and interest rates, catering to diverse financial needs. Here's a breakdown of SBI FD interest rates based on the deposit term:
1. Short-term Deposits:
Tenure: 7 days to 365 days (less than 1 year)
General Public: 3.00% p.a. to 5.50% p.a.
Senior Citizens: 3.50% p.a. to 6.00% p.a.
These short term FDs are ideal for individuals looking to park their funds for a brief period and earn a modest return.
2. Medium-term Deposits:
Tenure: More than 1 year to less than 5 years.
General Public: 6.10% p.a.
Medium term FDs provide a balance between liquidity and returns, suitable for those with medium-term financial goals.
3. Long-term Deposits:
Tenure: 5 years to 10 years.
General Public: 6.10% p.a.
Senior Citizens: 6.90% p.a.
Long term FDs are designed for individuals seeking higher returns over an extended period. Senior citizens benefit from a higher interest rate, making these FDs an attractive option for retirement planning.
| Particulars | Charges |
| Joining Fee | Rs 1,500 |
| Annual Fee | Nil for first 4 years |
| Renewal Fee | Rs. 499 (5th year onwards) |
| Finance Charges | 3.75% per month (33% p.a.) |
| Minimum FD Amount | Rs 25,000 |
| Interest-Free Period | 20 to 50 days |
| Best Suited For | Consumers having low credit score |
| Income Criteria | Nil |
SBI FD interest rates 2025 in Fixed Deposit schemes are competitive with minimal risk involvement in comparison to other guaranteed investment schemes. The benefits and features of the SBI fixed deposit scheme are given below:
The SBI FD interest rates 2025 scheme can be opened with a minimum of Rs 1,000
There is no limit on the maximum fixed deposit scheme
The tenure can range from 7 days to 10 years
FD schemes above Rs. 10,000 offer 0.25% extra SBI interest rates to senior citizens
It offers interest payment options on a monthly, quarterly, calendar quarter basis
A nomination facility is also available
SBI provides convenient online platforms for opening FD accounts, eliminating the need to visit a branch.
1. Internet Banking:
If you are an existing SBI customer with internet banking access, you can open an FD online in a few simple steps:
Log in: Visit the SBI NetBanking website and log in using your credentials.
Navigate to Term Deposits: Under the "Deposit Scheme" tab, click on "Term Deposits."
Select FD Type: Choose the type of FD you wish to open and click "Proceed."
Provide Deposit Details: Enter the required details, including the deposit amount, tenure, nominee information, and maturity instructions.
Accept Terms and Conditions: Carefully read the "Terms and Conditions" and check the box to accept them.
Submit: Click "Submit" to finalize the SBI fixed deposit opening process.
2. Mobile Application (SBI YONO):
The SBI YONO mobile app offers a user-friendly interface for opening an FD account:
Download and Log in: Download the SBI YONO app from your app store and log in using your credentials.
Select Term Deposits: Choose the "Fixed Deposits" or "Term Deposits" option.
Provide Required Details: Enter the necessary information, such as the deposit amount, tenure, nominee details, and maturity instructions.
Accept Terms and Conditions: Review the "Terms and Conditions" and accept them.
Submit: Click "Submit" to complete the SBI fixed deposit opening process.
For those who prefer a traditional approach, you can open an SBI FD account by visiting a branch.
1. Offline Method (Branch Visit):
Visit your Nearest Branch: Go to your nearest SBI branch.
Obtain Application Form: Request the SBI FD application form from a bank representative.
Fill the Form: Fill out the application form with accurate details.
Submit with Deposit Amount: Submit the completed form along with the deposit amount.
Receive FD Receipt: Upon successful processing, you will receive an FD receipt as proof of your investment.
By following these steps, you can easily open an SBI FD account and start growing your savings.
Indian Resident Individuals
Partnership Firms
Public and Private Limited Companies
Societies
Trusts
Hindu Undivided Families (HUFs)
Non-Resident Indians (NRIs) and Persons of Indian Origin (PIOs)
To ensure a smooth account opening process, you must provide the following documents:
Duly Filled SBI FD Account Opening Form: Obtain and complete the official SBI FD account opening form.
Four Passport Size Photographs
Identity Proof (as per KYC norms): Submit any one of the following documents:
PAN Card
Aadhaar Card
Voter ID Card
Driving License
Passport
Address Proof (as per KYC norms): Submit any one of the following documents:
PAN Card
Aadhaar Card
Voter ID Card
Passport
Driving License
Proof of Age: Provide either a:
Birth Certificate
Graduation/School Passing Certificate
PAN Card or Form No. 60 or 61 of the Income Tax Act (for declaration): If a PAN card is not available, you must submit Form 60 or 61 for income tax declaration.
Bank Account Details: Provide details of your existing bank account, including:
Account Number
IFSC Code
Branch Name
The interest earnings derived from SBI FD Interest Rates 2025, including those from tax-saving fixed deposits, are subject to taxation based on the depositor's applicable tax slab.
Depositors have the opportunity to avail a tax deduction of up to ₹1.5 lakh under Section 80C by choosing to invest in an SBI tax saver FD.
Under Section 80TTB, resident senior citizens can seek a tax deduction of up to ₹50,000 on the interest accrued from deposits, including those from SBI fixed deposits.
For resident Indians, interest income exceeding ₹40,000 (₹50,000 for senior citizens) is liable to TDS at rates of 10% and 20% in the absence of a PAN Card, effective from Assessment Year 2023-24.
Below are the SBI Interest Rates 2025 for NRIs:
SBI NRE FD Interest Rates as of March 2025
| Tenure | Below Rs.3 Crore | Rs.3 Crore & above |
| 1 year to less than 2 years | 6.80% | 7.00% |
| 400 Days (AMRIT KALASH) (valid till 31-03-2025) |
7.10% | - - |
| 444 Days (AMRIT VRISHTI) | 7.25 | -- |
| 2 years to less than 3 years | 7.00% | 7.00% |
| 3 years to less than 5 years | 6.75% | 6.50% |
| 5 years to 10 years | 6.50% | 6.25% |
People Also Read: Which Bank Has Highest Interest Rate Fixed Deposit
| Tenure | Interest Rates (p.a.) | |
| Deposits below Rs. 2 crore | Deposits of Rs. 2 crore & above | |
| 7 days to 45 days | 3.50% | 5.25% |
| 46 days to 179 days | 5.50% | 6.25% |
| 180 days to 210 days | 6.25% | 6.60% |
| 211 days to less than 1 year | 6.50% | 6.75% |
| 1 year to less than 2 years | 6.80% | 7.00% |
| 400 Days (AMRIT KALASH) (valid till 31-03-2025) |
7.10% | -- |
| 444 Days (AMRIT VRISHTI) | 7.25 | -- |
| 2 year to less than 3 years | 7.00% | 7.00% |
| 3 years to less than 5 years | 6.75% | 6.50% |
| 5 years and upto 10 years | 6.50% | 6.25% |
| Currency | USD | GBP | EURO | CAD | AUD | JPY | ||||||
| Period of Deposit | Rate | Yield | Rate | Yield | Rate | Yield | Rate | Yield | Rate | Yield | Rate | Yield |
| 1 year | 5.50 | 5.58 | 4.75 | 4.82 | 3.50 | 3.55 | 3.70 | 3.75 | 4.25 | 4.31 | 0.40 | 0.41 |
| Above 1 year to less than 2 years | 5.50 | 5.82 | 4.75 | 4.99 | 3.50 | 3.64 | 3.70 | 3.86 | 4.25 | 4.45 | 0.40 | 0.41 |
| 2 years to less than 3 years | 4.50 | 4.83 | 4.65 | 5.00 | 1.50 | 1.55 | 3.45 | 3.66 | 4.15 | 4.44 | 0.40 | 0.41 |
| 3 years to less than 4 years | 4.25 | 4.65 | 3.65 | 3.95 | 1.50 | 1.56 | 3.20 | 3.44 | 4.05 | 4.41 | 0.40 | 0.41 |
| 4 years to less than 5 years | 3.80 | 4.21 | 3.50 | 3.85 | 1.50 | 1.57 | 3.25 | 3.55 | 3.95 | 4.39 | 0.30 | 0.31 |
| 5 years | 3.90 | 4.33 | 3.40 | 3.73 | 1.50 | 1.57 | 3.30 | 3.61 | 3.85 | 4.27 | 0.30 | 0.31 |
| Period | Interest Rates (p.a.) | ||
| USD | GBP | Euro | |
| 1 year to less than 2 years | 5.50 | 4.75 | 3.50 |
| 2 years to less than 3 years | 4.50 | 4.65 | 1.50 |
| 3 years | 4.25 | 3.65 | 1.50 |
High Loan Amount: Borrow up to 90% of your FD's value.
Flexible Loan Options: Choose between a demand loan or an overdraft facility, depending on your specific requirements.
Competitive Interest Rates: Benefit from low interest rates, calculated on a daily reducing balance.
No Hidden Charges: Enjoy zero processing fees and no prepayment penalties.
Minimum Loan Amount (Online Overdraft): ₹5,000
Maximum Loan Amount (Online Overdraft): ₹5 Crore
Margin Requirements:
For both demand loans and overdrafts with a loan tenure up to 5 years (or the remaining maturity of the FD, whichever is earlier): Minimum 10%.
For demand loans with a tenure exceeding 5 years (up to a maximum of 10 years or the remaining maturity of the FD, whichever is earlier): Minimum 15%.
Security: Your underlying FD will be lien-marked as security.
Loan Types: Demand Loan and Overdraft.
Channels:
YONO and Internet Banking (INB): Overdraft facility is available for FDs issued through these channels.
SBI Branches: Both Demand Loan and Overdraft facilities are available.
Interest Rate: 1% above the interest rate of your respective FD.
If you withdraw your SBI Fixed Deposit before its maturity date, a small penalty will be applied. For deposits under ₹5 lakh, this penalty is 0.50%. For deposits exceeding ₹5 lakh, the penalty increases to 1%.
Allahabad Bank FD Interest Rates
Andhra Bank FD Interest Rates
Assam Gramin Vikash Bank FD Interest Rates
AU Small Finance Bank FD Interest Rates
Axis Bank FD Rates
Bajaj Finance FD Interest Rates
Bandhan Bank FD Interest Rates
Bangiya Gramin Vikash Bank FD Interest Rates
Bank of Baroda FD Interest Rates
Bank of Ceylon FD Interest Rates
Bank of India FD Interest Rates
Bank of Maharashtra FD Interest Rates
Allahabad Bank FD Calculator
Andhra Bank FD Calculator
AU Bank FD Calculator
Axis Bank FD Calculator
Bajaj Finance FD Calculator
Bandhan Bank FD Calculator
Bank of Baroda FD Calculator
Bank of India FD Calculator
Bank of Maharashtra FD Calculator
Canara Bank FD Calculator
Central Bank FD Calculator
Corporation Bank FD Calculator
Below are the groups and individuals who are eligible to open a Regular SBI Fixed Deposit Account and avail SBI FD interest rates 2025 benefits-
The highest fixed deposit interest rate is 7.10% for regular accounts and 7.60% for Senior Citizens, only for Fixed Deposits with a tenure of 400 days under the Amrit Kalash FD Scheme.
The tenure for an SBI Fixed Deposit Account ranges from 7 days to 10 years.
The minimum amount you can keep in an SBI Fixed Deposit Account is Rs. 1,000.
Yes, a premature withdrawal facility is available with SBI FDs. However, there is a penalty charged for premature withdrawal in the following ways:
Yes, a loan facility is available against the FD account at SBI. This means that you can borrow up to 90% of the money against your FD without having to break it.
The following are eligible to open an SBI Fixed Deposit Account:
A customer can easily open a term deposit account online using their Net Banking Username and Password.
New customers need to open a Savings Account with SBI before they can open a Fixed Deposit account.
since the tenure of a Fixed Deposit account is ‘fixed’, it is not possible to deposit an additional amount into your already existing Fixed Deposit.
An SBI Fixed Deposit can be closed online only if it is an E-term deposit or special term deposit.
There are special FD interest rates offered by SBI for senior citizens, and these vary as per the tenure of the Deposit.
While an FD is in place, it is not possible to deposit an additional amount into it.
it is not possible to change the tenure of a Fixed Deposit since the amount and tenure are fixed.
All transactions in any bank account that exceed Rs. 50,000 require the account to be linked to your PAN. Since linking PAN card to accounts is mandatory, it is not common to find an account that isn't linked to PAN these days.
* Tax adjustment considering income tax slab of 30%
** Life cover for a plan with an annualized premium of Rs 1L
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
24 Dec 2024
The SBI Multi Option Deposit Scheme (MOD) is an innovative
24 Dec 2024
The SBI Annuity Deposit Scheme is a financial product offered by
24 Dec 2024
The SBI Sarvottam (Non-Callable) Term Deposit Scheme is a
24 Dec 2024
The State Bank of India (SBI) offers a Recurring Deposit (RD)
24 Dec 2024
The SBI Green Rupee Term Deposit (SGRTD) is a new savings schemeInsurance
Calculators
Payment Methods
Secured With
Follow us on
