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 | 3.00% - 7.10% | 3.50% - 7.60% |
| ICICI Bank FD Rates | 3.00% - 7.10% | 3.50% - 7.65% |
| HDFC Bank FD Rates | 3.00% - 7.20% | 3.50% - 7.75% |
| PNB Rates | 3.50% - 7.25% | 4.00% - 7.75% |
| Axis Bank FD Rates | 3.00% - 7.10% | 3.50% - 7.75% |
| PNB FD Rates | 3.50% - 7.25% | 4.00% - 7.75% |
| Yes Bank FD Rates | 3.25% - 7.75% | 3.75% - 8.25% |
| Kotak Mahindra FD Rates | 2.75% - 7.25% | 3.25% - 7.75% |
| Bandhan Bank FD Rates | 3.00% - 5.00% | 3.75% - 5.75% |
| Union Bank of India FD Rates | 3.00% - 7.00% | 3.50% - 7.50% |
| Indusind Bank FD Rates | 3.50% - 7.85% | 4.25% - 8.25% |
| Canara Bank FD Rates | 4.00% - 7.25% | 4.00% - 7.75% |
| Bank of Baroda FD Rates | 3.00% - 7.25% | 3.50% - 7.75% |
| IDFC Bank FD Rates | 3.00% - 7.50% | 3.50% - 8.00% |
| Indian Bank FD Rates | 2.80% - 6.70% | 2.80% - 7.20% |
| DBS Bank FD Rates | 2.50% - 5.50% | 2.50% - 5.50% |
| UCO Bank FD Rates | 2.55% - 5.05% | 3.80% - 6.30% |
| Bank of India FD Rates | 3.00% - 7.25% | 3.00% - 7.75% |
| IDBI Bank FD Rates | 2.90% - 5.30% | 3.40% - 5.90% |
| Central Bank of India FD Rates | 2.75% - 5.15% | 3.25% - 5.65% |
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 investor's family.
| 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% |
SBI NRE FD Interest Rates as of 15 July 2024
| Tenure | Regular Customers Interest Rates (p.a.) | Senior Citizens Interest Rates (p.a.) |
| 1 year to less than 2 years | 6.80% | 7.00% |
| 400 Days (AMRIT KALASH) (valid till 30.09.2024 only) | 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 30.09.2024 only) | 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 | ||||||
| 1 year | 5.70 | 5.78 | 4.85 | 4.92 | 4.00 | 4.06 | 4.20 | 4.26 | 4.50 | 4.56 | 0.15 | 0.15 |
| Above 1 year to less than 2 years | 5.70 | 6.04 | 4.85 | 5.10 | 4.00 | 4.18 | 4.20 | 4.40 | 4.50 | 4.72 | 0.15 | 0.15 |
| 2 years to less than 3 years | 4.55 | 4.89 | 4.75 | 5.12 | 1.50 | 1.55 | 3.80 | 4.04 | 4.40 | 4.72 | 0.15 | 0.15 |
| 3 years to less than 4 years | 4.30 | 4.71 | 3.75 | 4.07 | 1.50 | 1.56 | 3.55 | 3.84 | 4.30 | 4.71 | 0.15 | 0.15 |
| 4 years to less than 5 years | 3.85 | 4.27 | 3.75 | 4.15 | 1.50 | 1.57 | 3.60 | 3.97 | 4.20 | 4.69 | 0.05 | 0.05 |
| 5 years | 3.90 | 4.33 | 3.65 | 4.03 | 1.50 | 1.57 | 3.65 | 4.03 | 4.10 | 4.57 | 0.05 | 0.05 |
| *Annualised yield at the end of the period. | ||||||||||||
| Period | Interest Rates (p.a.) | ||
| USD | GBP | Euro | |
| 1 year to less than 2 years | 5.70 | 4.85 | 4.00 |
| 2 years to less than 3 years | 4.55 | 4.75 | 1.50 |
| 3 years | 4.30 | 3.75 | 1.50 |
The Fixed Deposit scheme of SBI bank is an investment option that gives you the flexibility to invest a part of your savings and earn guaranteed attractive SBI FD interest rates 2025 for achieving your financial goals.
The bank offers a wide range of FD schemes at attractive FD interest rates to choose from, with tenures ranging from 7 days to 10 years. The bank also offers Tax-Saver FDs that have a tenure of 5 to 10 years, along with various tax benefits.
You can open an SBI fixed deposit account online by logging in to your SBI internet banking account.
1. SBI Amrit Kalash Deposit:
Tenure: 400 days
Deposit Amount: Less than Rs. 2 crores
Eligible Deposits:
Domestic Retail Term Deposits & NRI Rupee Term Deposits
New & Renewal Deposits
Term Deposits and special Term Deposits only
Eligibility: Resident customers and NRI customers
Special Categories: Senior Citizens eligible for additional interest
Withdrawal Facility: Not available
Renewal: Allowed
Loan Facility: Available against deposit
Interest Payment: Monthly/quarterly/half-yearly intervals for Term Deposits, on maturity for Special Term Deposits
Availability: Branch, internet banking, SBI YONO mobile app
2. SBI ‘Sarvottam’ (Non-Callable) Term Deposit:
Tenure: 1 and 2 years
Deposit Amount: Rs. 15.01 lakhs to less than Rs. 2 crores
Eligibility: Resident individuals and non-individual customers
Special Categories: Senior Citizens eligible for additional interest
Withdrawal Facility: Not available
Renewal: Not allowed
Loan Facility: Available against deposit
Availability: Branch only
3. SBI Annuity Deposit Scheme:
Tenor: 36/60/84/120 months
Deposit Amount: Based on a minimum monthly annuity of Rs 1,000
Eligibility: Resident individuals (singly or jointly), including minors
Premature Payment: Allowed for deposits up to Rs 15 lakh with penalty
Loan Facility: Up to 75% of the balance amount of annuity
Payment of Annuity: On the anniversary date of the month following the deposit month. If that date is non-existent (29th, 30th & 31st), it will be paid on the 1st day of the next month.
Availability: Branch
4. SBI Multi Option Deposit Scheme (MODS):
Tenor: 1 to 5 years
Deposit Amount: At least Rs 10,000
Loan Facility: Available
5. SBI Tax Saver Deposit:
Lock-in Period: Up to 5 years
Deposit Amount: Rs 1,000 to Rs 1.5 lakh per financial year
Loan Facility: Not available during the lock-in period
Eligibility: Resident Indians under Sec. 80C of Income Tax Act
Joint Account: Jointly to two adults or an adult and a minor
6. Motor Accident Claims Annuity (Term) Deposit Account (MACAD):
Tenor: 36 to 216 months
Deposit Amount: Based on a minimum monthly annuity payment of Rs 1,000
Loan Facility: Not available against Annuity deposit
Eligibility: Individuals including minors
7. SBI Special Term Deposit:
Tenor: 6 months to 10 years
Deposit Amount: At least Rs 1,000
Loan against Deposit: Available with applicable margin
8. Floating Rate Bulk Term Deposit (FRBTD):
Tenor: 91 days to 3 years
Deposit Amount: At least Rs 2 crore
Loan/OD Facility: Available for up to 90% of FRBTD amount
Eligibility: All individuals (including NRIs) and non-individual customers
Loan Amount: Up to 85% of the FD value
Interest Rate: 1% above the relative time deposit rate
Loan Types: Term Loan and Overdraft Facility
Fees: Zero processing fees and prepayment penalties
| 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
Customers who are already associated with the State Bank of India (SBI) have the option to initiate the opening of an SBI FD Interest Rates 2025 scheme through the YONO SBI mobile app or internet banking. Alternatively, they can choose to personally visit their nearest SBI bank branch, where they need to complete the SBI FD form and make a minimum deposit of ₹1,000. The SBI FD form is accessible both online and at SBI branch offices for the convenience of individuals.
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.
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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
†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. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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