Rates verified from official source

SBM Bank (India) Ltd. Fixed Deposit interest rates · November 2026

SBM Bank India's best Fixed Deposit rate is 7.65% (548 days to 732 days), 1.85 points below the best on the market (9.50%).

  • Seniors: up to 8.15% (548 days to 732 days), 0.50 points above the general rate for that tenure.

What will my FD earn at SBM Bank India?

Estimated value after 1 year · before tax ₹5,36,456 7.10% p.a. · ₹36,456 interest · quarterly compounding
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Deposit amount

Showing 14 of 39 rates.

TenureGeneralSeniorApplies toEffective OnSource
7 days to 45 days
3 slabs at this rate
Up to ₹1 crore
 3.75% 4.25% Up to ₹1 crore
13 Nov 2026
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
46 days
to 90 days
2 slabs at this rate
Up to ₹1 crore
 4.50% 5.00% Up to ₹1 crore
13 Nov 2026
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
91 days to
120 days
Up to ₹1 crore
 5.90% 6.40% Up to ₹1 crore
13 Nov 2026
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
121 days
to 180 days
Up to ₹1 crore
 6.00% 6.50% Up to ₹1 crore
13 Nov 2026
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
181 days
to 210 days
Up to ₹1 crore
 6.30% 6.80% Up to ₹1 crore
13 Nov 2026
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
211 days
to 364 days
2 slabs at this rate
Up to ₹1 crore
 6.70% 7.20% Up to ₹1 crore
13 Nov 2026
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
365 days
to 366 days
Up to ₹1 crore
 7.10% 7.60% Up to ₹1 crore
13 Nov 2026
✓ verified 13 Nov 2026
official
fetched 12 Nov 2026
367 days
to 389 days
2 slabs at this rate
Up to ₹1 crore
 7.10% 7.60% Up to ₹1 crore
13 Nov 2026
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
390 days
Up to ₹1 crore
 6.50% 7.00% Up to ₹1 crore
13 Nov 2026
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
391 days
to 456 days
Up to ₹1 crore
 7.10% 7.60% Up to ₹1 crore
13 Nov 2026
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
457 days
to 547 days
Up to ₹1 crore
 7.20% 7.70% Up to ₹1 crore
13 Nov 2026
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
548 days
to 732 days
Up to ₹1 crore
 7.65% 8.15% Up to ₹1 crore
13 Nov 2026
✓ verified 13 Nov 2026
official
fetched 6 Nov 2026
733 days to
1097 days
3 slabs at this rate
Up to ₹1 crore
 7.10% 7.60% Up to ₹1 crore
13 Nov 2026
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
1098 days
to 3650 days
3 slabs at this rate
Up to ₹1 crore
 7.00% 7.50% Up to ₹1 crore
13 Nov 2026
✓ verified 13 Nov 2026
official
fetched 27 Oct 2026
Best rates Best 1 year Fixed Deposit rates in MaharashtraCompare rates →

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SBM Bank India FD return examples

DepositHighest rate18 months7.65%Highest rate2 years7.65%5 years7.00%10 years7.00%
₹50,000★₹56,025₹3,936 a year₹319/mo★₹58,182₹3,936 a year₹319/mo₹70,739₹3,593 a year₹292/mo₹1,00,080₹3,593 a year₹292/mo
₹1 lakh★₹1,12,049₹7,872 a year₹638/mo★₹1,16,364₹7,872 a year₹638/mo₹1,41,478₹7,186 a year₹583/mo₹2,00,160₹7,186 a year₹583/mo
₹2 lakh★₹2,24,099₹15,745 a year₹1,275/mo★₹2,32,729₹15,745 a year₹1,275/mo₹2,82,956₹14,372 a year₹1,167/mo₹4,00,319₹14,372 a year₹1,167/mo
₹5 lakh★₹5,60,247₹39,361 a year₹3,188/mo★₹5,81,821₹39,361 a year₹3,188/mo₹7,07,389₹35,930 a year₹2,917/mo₹10,00,799₹35,930 a year₹2,917/mo
₹10 lakh★₹11,20,495₹78,723 a year₹6,375/mo★₹11,63,643₹78,723 a year₹6,375/mo₹14,14,778₹71,859 a year₹5,833/mo₹20,01,597₹71,859 a year₹5,833/mo

Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.

FD rates by tenure

Select a term · Annual rates for ₹5,00,000

1 year

7.10%
Compare 1 year rates → Estimate my return
Market rank & rate source

#276 of 1033

365 days to 366 days · Up to ₹1 crore

Official rate sheet ↗
See all published rates
Before you book

SBM Bank India Fixed Deposit: frequently asked questions

What is the highest SBM Bank India Fixed Deposit interest rate?

As of 14 Nov 2026, SBM Bank (India) Ltd. offers up to 7.65% p.a. on its fixed deposit (FD) (548 days to 732 days) for general customers and 8.15% p.a. (548 days to 732 days) for senior citizens. Rates below are as published by the bank. Confirm with SBM Bank India before investing.

See today's top interest rates →

What is the SBM Bank India 1-year FD interest rate?

As of 14 Nov 2026, SBM Bank (India) Ltd. offers 7.10% p.a. on a 1-year FD for general customers and 7.60% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 13 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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What is the SBM Bank India 2-year FD interest rate?

As of 14 Nov 2026, SBM Bank (India) Ltd. offers 7.65% p.a. on a 2-year FD for general customers and 8.15% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 13 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

Compare 2-year FD rates →

What is the SBM Bank India 3-year FD interest rate?

As of 14 Nov 2026, SBM Bank (India) Ltd. offers 7.10% p.a. on a 3-year FD for general customers and 7.60% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 13 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

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What is the SBM Bank India 5-year FD interest rate?

As of 14 Nov 2026, SBM Bank (India) Ltd. offers 7.00% p.a. on a 5-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 13 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

Compare 5-year FD rates →

Do senior citizens get higher Fixed Deposit rates at SBM Bank India?

Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at SBM Bank (India) Ltd., depending on the tenure.

See today's top senior citizen rates →

When did SBM Bank India last change its Fixed Deposit rates?

SBM Bank (India) Ltd. last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 12 Nov 2026: the general rate for 365 days to 366 days · Up to ₹1 crore went from 7.50% to 7.10%. RateScan.in has tracked SBM Bank India's rates since 27 Oct 2026.

Rate movements →

What fixed deposit (FD) tenures does SBM Bank India offer?

SBM Bank (India) Ltd.'s published fixed deposit (FD) rate table has 23 tenure bands, from “7 days to 14 days” to “1826 days to 3650 days”.

Does SBM Bank India pay different fixed deposit (FD) rates by deposit size?

Yes. SBM Bank (India) Ltd.'s table lists separate bands: Up to ₹1 crore; Above ₹1 crore to below ₹3 crore (callable); ₹3 crore to ₹5 crore (callable). Each row shows the band it applies to.

Does SBM Bank India pay more than the Post Office Time Deposit?

SBM Bank (India) Ltd. pays more than the Post Office Time Deposit at 2 of 4 standard tenures compared (general rates). Rates: 1y 7.10% (PO 6.90%), 2y 7.65% (PO 7.00%), 3y 7.10% (PO 7.10%), 5y 7.00% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

How does SBM Bank India's 1-year FD rate rank?

SBM Bank (India) Ltd.'s 1-year general FD rate of 7.10% ranks #276 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.

Compare 1-year FD rates →

Is my fixed deposit (FD) with SBM Bank India insured?

Deposits with SBM Bank (India) Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these SBM Bank India rates?

RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 13 Nov 2026. Rates can change without notice, so verify on the official SBM Bank India website before investing.

Rate movements →

More SBM Bank India rates

SBM Bank India overviewSBM Bank India Recurring Deposit ratesSBM Bank India Savings ratesSBM Bank India NRE FD ratesSBM Bank India FCNR(B) rates

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Compare SBM Bank India with similar banks

Nearby banks paying a little more at 1 year

QNB India 7.30%Shree Warana Sahakari Bank 7.15%Nav Jeevan Co-op Bank 7.20%

Banks with a similar rate at 1 year

Deutsche 7.00%ICBC India 6.85%Sonali Bank India 7.00%

Best FD rates among foreign banks → Best FD rates in Maharashtra →

Good to know

  • Deposits with SBM Bank (India) Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
  • SBM Bank India is a foreign bank operating in India, regulated by the RBI.
  • Senior citizens (60+) earn up to 0.50% p.a. more than general customers at SBM Bank India, depending on the tenure.
official Effective 1 May 2026 · Ingested 27 Oct 2026 · Verified 13 Nov 2026 · View source

Informational only. Always confirm the current rate on the official SBM Bank India 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.