As of 5 Oct 2026, State Bank of India offers up to 6.45% p.a. on its fixed deposit (FD) (2 years to less than 3 years) for general customers and 6.75% p.a. (181 days to < 1 year) for senior citizens. Rates below are as published by the bank — confirm with SBI before investing.
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 | As of | Source |
|---|---|---|---|---|---|---|---|
7 days to 45 days |
3.05% | 3.05% | 3.65% | Below ₹3 crore (retail) | 15 Jul 2025 stale |
official fetched 18 Sept 2026 |
|
46 days to 179 days |
4.90% | 4.90% | — | Below ₹3 crore (retail) | 15 Jul 2025 stale |
official fetched 18 Sept 2026 |
|
46–90 days |
5.00% | 5.50% | 5.60% | Below ₹3 crore (retail) | 15 Aug 2026 under verification |
aggregator sourced from third-party |
|
91–180 days |
5.75% | 6.25% | 6.35% | Below ₹3 crore (retail) | 15 Aug 2026 under verification |
aggregator sourced from third-party |
|
180 days to 210 days |
5.65% | 5.65% | — | Below ₹3 crore (retail) | 15 Jul 2025 stale |
official fetched 18 Sept 2026 |
|
181 days to < 1 year |
6.25% | 6.75% | 6.85% | Below ₹3 crore (retail) | 15 Aug 2026 under verification |
aggregator sourced from third-party |
|
211 days to less than 1 year |
5.90% | 5.90% | — | Below ₹3 crore (retail) | 15 Jul 2025 stale |
official fetched 18 Sept 2026 |
|
1 Year to less than 2 years |
6.25% | 6.25% | 6.85% | Below ₹3 crore (retail) | 15 Jul 2025 stale |
official fetched 18 Sept 2026 |
|
2 years to less than 3 years |
6.45% | 6.40% | 7.20% | Below ₹3 crore (retail) | 15 Jul 2025 stale |
official fetched 18 Sept 2026 |
|
3 years to less than 5 years |
6.30% | 6.30% | 7.20% | Below ₹3 crore (retail) | 15 Jul 2025 stale |
official fetched 18 Sept 2026 |
|
5 years and up to 10 years |
6.05% | 6.05% | 7.05% | Below ₹3 crore (retail) | 15 Jul 2025 stale |
official fetched 18 Sept 2026 |
As of 5 Oct 2026, State Bank of India offers up to 6.45% p.a. on its fixed deposit (FD) (2 years to less than 3 years) for general customers and 6.75% p.a. (181 days to < 1 year) for senior citizens. Rates below are as published by the bank — confirm with SBI before investing.
As of 5 Oct 2026, State Bank of India offers 6.25% p.a. on a 1-year FD for general customers and 6.25% p.a. for senior citizens.
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at State Bank of India, depending on the tenure.
Deposits with State Bank of India are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 15 Jul 2025. Rates can change without notice, so verify on the official SBI website before investing.
See SBI FD rates side by side against India's top banks.
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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