State Bank of India (SBI) is a nationalised public sector bank, headquartered in Mumbai, established in 1955. Its headline 1-year FD rate of 6.25% is in line with the public sector average of 6.23%, ranking #7 of 12 public sector banks.
Figures marked “approx.” are rounded public estimates as of 2024.
Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.
Rates as of 15 Jun 2025, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at SBI (quarterly compounding)
Rates for deposits below ₹3 crore · General / Senior / Super Senior · trend over time
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
| Tenure | General | Senior | Super Sr. | Trend | Applies to |
|---|---|---|---|---|---|
7 days to 45 days |
3.05% | 3.05% | 3.65% | Below ₹3 crore (retail) | |
46 days to 179 days |
4.90% | 4.90% | — | Below ₹3 crore (retail) | |
46–90 days |
5.00% | 5.50% | 5.60% | Below ₹3 crore (retail) | |
91–180 days |
5.75% | 6.25% | 6.35% | Below ₹3 crore (retail) | |
180 days to 210 days |
5.65% | 5.65% | — | Below ₹3 crore (retail) | |
181 days to < 1 year |
6.25% | 6.75% | 6.85% | Below ₹3 crore (retail) | |
211 days to less than 1 year |
5.90% | 5.90% | — | Below ₹3 crore (retail) | |
1 Year to less than 2 years |
6.25% | 6.25% | 6.85% | Below ₹3 crore (retail) | |
2 years to less than 3 years |
6.45% | 6.40% | 7.20% | Below ₹3 crore (retail) | |
3 years to less than 5 years |
6.30% | 6.30% | 7.20% | Below ₹3 crore (retail) | |
5 years and up to 10 years |
6.05% | 6.05% | 7.05% | Below ₹3 crore (retail) |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 Year to less than 2 years |
6.25% | 6.25% | Any amount | |
2 years to less than 3 years |
6.45% | 6.40% | Any amount | |
3 years to less than 5 years |
6.30% | 6.30% | Any amount | |
5 years and up to 10 years |
6.05% | 6.05% | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.75% | 2.75% | All balances |
Deposits with State Bank of India are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.
Informational only — always confirm the current rate on the official SBI website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
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