What we know is incomplete on this page
- 6 products live under more than one w.e.f.. FD · General (2), FD · Senior Citizen (2), RD (2), NRE (2), NRO (2), NRE RD (2). Each date is shown as its own rate card, because a single table blending several w.e.f. dates is a table the bank never published.
Fixed deposits
FD · GeneralFD
2 w.e.f. dates live at once
w.e.f. 2026-05-01rate card 1 of 23 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1111 Days — SBI Green Rupee Term Depositsbi_green_1111 | ₹1,000 – ₹3,00,00,000 | 6.30% |
| 1777 Days — SBI Green Rupee Term Depositsbi_green_1777 | ₹1,000 – ₹3,00,00,000 | 6.30% |
| 2222 Days — SBI Green Rupee Term Depositsbi_green_2222 | ₹1,000 – ₹3,00,00,000 | 6.05% |
w.e.f. 2025-12-15rate card 2 of 210 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days to 45 days | ₹1,000 – ₹3,00,00,000 | 3.05% |
| 46 days to 179 days | ₹1,000 – ₹3,00,00,000 | 4.90% |
| 180 days to 210 days | ₹1,000 – ₹3,00,00,000 | 5.65% |
| 211 days to less than 1 year | ₹1,000 – ₹3,00,00,000 | 5.90% |
| 365–443 days — 1 Year to less than 2 years | ₹1,000 – ₹3,00,00,000 | 6.25% |
| 444 Days — Amrit Vrishtiamrit_vrishti | ₹1,000 – ₹3,00,00,000 | 6.45% |
| 445–729 days — 1 Year to less than 2 years | ₹1,000 – ₹3,00,00,000 | 6.25% |
| 2 years to less than 3 years | ₹1,000 – ₹3,00,00,000 | 6.40% |
| 3 years to less than 5 years | ₹1,000 – ₹3,00,00,000 | 6.30% |
| 5 years and up to 10 years | ₹1,000 – ₹3,00,00,000 | 6.05% |
FD · Senior CitizenFD_SC
2 w.e.f. dates live at once
w.e.f. 2026-05-01rate card 1 of 23 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1111 Days — SBI Green Rupee Term Depositsbi_green_1111 | ₹1,000 – ₹3,00,00,000 | 6.80% |
| 1777 Days — SBI Green Rupee Term Depositsbi_green_1777 | ₹1,000 – ₹3,00,00,000 | 6.80% |
| 2222 Days — SBI Green Rupee Term Depositsbi_green_2222 | ₹1,000 – ₹3,00,00,000 | 7.05% |
w.e.f. 2025-12-15rate card 2 of 210 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days to 45 days | ₹1,000 – ₹3,00,00,000 | 3.55% |
| 46 days to 179 days | ₹1,000 – ₹3,00,00,000 | 5.40% |
| 180 days to 210 days | ₹1,000 – ₹3,00,00,000 | 6.15% |
| 211 days to less than 1 year | ₹1,000 – ₹3,00,00,000 | 6.40% |
| 365–443 days — 1 Year to less than 2 years | ₹1,000 – ₹3,00,00,000 | 6.75% |
| 444 Days — Amrit Vrishtiamrit_vrishti | ₹1,000 – ₹3,00,00,000 | 6.95% |
| 445–729 days — 1 Year to less than 2 years | ₹1,000 – ₹3,00,00,000 | 6.75% |
| 2 years to less than 3 years | ₹1,000 – ₹3,00,00,000 | 6.90% |
| 3 years to less than 5 years | ₹1,000 – ₹3,00,00,000 | 6.80% |
| 5 years and up to 10 years | ₹1,000 – ₹3,00,00,000 | 7.05% |
FD · Super SeniorFD_SSC
w.e.f. 2025-12-1510 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days to 45 days | ₹1,000 – ₹3,00,00,000 | 3.65% |
| 46 days to 179 days | ₹1,000 – ₹3,00,00,000 | 5.50% |
| 180 days to 210 days | ₹1,000 – ₹3,00,00,000 | 6.25% |
| 211 days to less than 1 year | ₹1,000 – ₹3,00,00,000 | 6.50% |
| 365–443 days — 1 Year to less than 2 years | ₹1,000 – ₹3,00,00,000 | 6.85% |
| 444 Days — Amrit Vrishtiamrit_vrishti | ₹1,000 – ₹3,00,00,000 | 7.05% |
| 445–729 days — 1 Year to less than 2 years | ₹1,000 – ₹3,00,00,000 | 6.85% |
| 2 years to less than 3 years | ₹1,000 – ₹3,00,00,000 | 7.00% |
| 3 years to less than 5 years | ₹1,000 – ₹3,00,00,000 | 6.90% |
| 5 years and up to 10 years | ₹1,000 – ₹3,00,00,000 | 7.15% |
FD · Non-CallableFD_NC
w.e.f. 2025-12-152 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Yearsbi_non_callable_retail | ₹1,00,01,000 – ₹3,00,00,000 | 6.55% |
| 2 Yearssbi_non_callable_retail | ₹1,00,01,000 – ₹3,00,00,000 | 6.80% |
FD · Non-Callable SCFD_NC_SC
w.e.f. 2025-12-152 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Yearsbi_non_callable_retail | ₹1,00,01,000 – ₹3,00,00,000 | 7.05% |
| 2 Yearssbi_non_callable_retail | ₹1,00,01,000 – ₹3,00,00,000 | 7.30% |
Tax-saver deposits (80C)
Tax SaverFD_TAX
w.e.f. 2025-12-151 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 5 calendar years — fixed Tax Saver tenor | ₹1,000 – ₹1,50,000 | 6.05% |
Tax Saver SCFD_TAX_SC
w.e.f. 2025-12-151 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 5 calendar years — fixed Tax Saver tenor | ₹1,000 – ₹1,50,000 | 7.05% |
Recurring deposits
RDRD
2 w.e.f. dates live at once
w.e.f. 2026-05-01rate card 1 of 23 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1111 days (Green Rupee TD)sbi_green_1111 | ₹100 and above | 6.30% |
| 1777 days (Green Rupee TD)sbi_green_1777 | ₹100 and above | 6.30% |
| 2222 days (Green Rupee TD)sbi_green_2222 | ₹100 and above | 6.05% |
w.e.f. 2025-12-15rate card 2 of 29 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to 443 days | ₹100 and above | 6.25% |
| 444 Days (Amrit Vrishti)amrit_vrishti | ₹100 and above | 6.45% |
| 445 days to less than 2 years | ₹100 and above | 6.25% |
| 2 years to less than 3 years | ₹100 and above | 6.40% |
| 3 years to 1110 days | ₹100 and above | 6.30% |
| 1112 days to 1776 days | ₹100 and above | 6.30% |
| 1778 days to less than 5 years | ₹100 and above | 6.30% |
| 5 years to 2221 days | ₹100 and above | 6.05% |
| 2223 days to 10 years | ₹100 and above | 6.05% |
RD · SCRD_SC
w.e.f. 2025-12-159 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to 443 days | ₹100 and above | 6.75% |
| 444 Days (Amrit Vrishti)amrit_vrishti | ₹100 and above | 6.95% |
| 445 days to less than 2 years | ₹100 and above | 6.75% |
| 2 years to less than 3 years | ₹100 and above | 6.90% |
| 3 years to 1110 days | ₹100 and above | 6.80% |
| 1112 days to 1776 days | ₹100 and above | 6.80% |
| 1778 days to less than 5 years | ₹100 and above | 6.80% |
| 5 years to 2221 days | ₹100 and above | 7.05% |
| 2223 days to 10 years | ₹100 and above | 7.05% |
Savings accounts
SavingsSAVINGS
w.e.f. 2025-06-151 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| on-call | ₹0 and above | 2.50% |
NRE SavingsNRE_SAVINGS
w.e.f. 2025-06-151 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| on-call | ₹0 and above | 2.50% |
NRO SavingsNRO_SAVINGS
w.e.f. 2025-06-151 row
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| on-call | ₹0 and above | 2.50% |
Auto-sweep
Savings SweepSAVINGS_SWEEP
w.e.f. 2025-12-156 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| Up to ₹50,000 (no sweep — Savings rate) | ₹0 – ₹50,000 | 2.50% |
| Above ₹50,000 → Sweep to 1 Year FDsbi_mod_1y | ₹50,001 and above | 6.25% |
| Above ₹50,000 → Sweep to 444 days (Amrit Vrishti)sbi_mod_amrit_vrishti | ₹50,001 and above | 6.45% |
| Above ₹50,000 → Sweep to 2 Year FDsbi_mod_2y | ₹50,001 and above | 6.40% |
| Above ₹50,000 → Sweep to 4 Year FDsbi_mod_4y | ₹50,001 and above | 6.30% |
| Above ₹50,000 → Sweep to 5 Year FD (MOD max)sbi_mod_5y | ₹50,001 and above | 6.05% |
NRI deposits
NRENRE
2 w.e.f. dates live at once
w.e.f. 2026-05-01rate card 1 of 23 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1111 days (Green Rupee TD)sbi_green_1111 | ₹1,000 – ₹3,00,00,000 | 6.30% |
| 1777 days (Green Rupee TD)sbi_green_1777 | ₹1,000 – ₹3,00,00,000 | 6.30% |
| 2222 days (Green Rupee TD)sbi_green_2222 | ₹1,000 – ₹3,00,00,000 | 6.05% |
w.e.f. 2026-03-15rate card 2 of 29 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to 443 days | ₹1,000 – ₹3,00,00,000 | 6.25% |
| 444 Days (Amrit Vrishti)amrit_vrishti | ₹1,000 – ₹3,00,00,000 | 6.45% |
| 445 days to less than 2 years | ₹1,000 – ₹3,00,00,000 | 6.25% |
| 2 years to less than 3 years | ₹1,000 – ₹3,00,00,000 | 6.40% |
| 3 years to 1110 days | ₹1,000 – ₹3,00,00,000 | 6.30% |
| 1112 days to 1776 days | ₹1,000 – ₹3,00,00,000 | 6.30% |
| 1778 days to less than 5 years | ₹1,000 – ₹3,00,00,000 | 6.30% |
| 5 years to 2221 days | ₹1,000 – ₹3,00,00,000 | 6.05% |
| 2223 days to 10 years | ₹1,000 – ₹3,00,00,000 | 6.05% |
NRE · Non-CallableNRE_NC
w.e.f. 2026-05-152 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year | ₹1,00,01,000 – ₹2,99,99,999 | 6.55% |
| 2 years | ₹1,00,01,000 – ₹2,99,99,999 | 6.80% |
NRONRO
2 w.e.f. dates live at once
w.e.f. 2026-05-15rate card 1 of 213 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 7 days to 45 days | ₹1,000 – ₹3,00,00,000 | 3.05% |
| 46 days to 179 days | ₹1,000 – ₹3,00,00,000 | 4.90% |
| 180 days to 210 days | ₹1,000 – ₹3,00,00,000 | 5.65% |
| 211 days to less than 1 year | ₹1,000 – ₹3,00,00,000 | 5.90% |
| 1 year to 443 days | ₹1,000 – ₹3,00,00,000 | 6.25% |
| 444 Days (Amrit Vrishti)amrit_vrishti | ₹1,000 – ₹3,00,00,000 | 6.45% |
| 445 days to less than 2 years | ₹1,000 – ₹3,00,00,000 | 6.25% |
| 2 year to less than 3 years | ₹1,000 – ₹3,00,00,000 | 6.40% |
| 3 years to 1110 days | ₹1,000 – ₹3,00,00,000 | 6.30% |
| 1112 days to 1776 days | ₹1,000 – ₹3,00,00,000 | 6.30% |
| 1778 days to less than 5 years | ₹1,000 – ₹3,00,00,000 | 6.30% |
| 5 years to 2221 days | ₹1,000 – ₹3,00,00,000 | 6.05% |
| 2223 days to 10 years | ₹1,000 – ₹3,00,00,000 | 6.05% |
w.e.f. 2026-05-01rate card 2 of 23 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1111 days (Green Rupee TD)sbi_green_1111 | ₹1,000 – ₹3,00,00,000 | 6.30% |
| 1777 days (Green Rupee TD)sbi_green_1777 | ₹1,000 – ₹3,00,00,000 | 6.30% |
| 2222 days (Green Rupee TD)sbi_green_2222 | ₹1,000 – ₹3,00,00,000 | 6.05% |
NRO · Non-CallableNRO_NC
w.e.f. 2025-12-152 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 yearowner_override_doc_gap | ₹1,00,01,000 – ₹2,99,99,999 | 6.55% |
| 2 yearsowner_override_doc_gap | ₹1,00,01,000 – ₹2,99,99,999 | 6.80% |
RFC · USD (returned NRI)RFC_USD
w.e.f. 2026-07-15USD3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | — | 4.40% |
| 2 years to less than 3 years | — | 3.55% |
| 3 years | — | 3.35% |
RFC · GBP (returned NRI)RFC_GBP
w.e.f. 2026-07-15GBP3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | — | 4.00% |
| 2 years to less than 3 years | — | 3.95% |
| 3 years | — | 3.00% |
RFC · EUR (returned NRI)RFC_EUR
w.e.f. 2026-07-15EUR3 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to less than 2 years | — | 3.00% |
| 2 years to less than 3 years | — | 1.50% |
| 3 years | — | 1.50% |
NRI recurring deposits
NRE RDNRE_RD
2 w.e.f. dates live at once
w.e.f. 2026-05-01rate card 1 of 23 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1111 days (Green Rupee TD)sbi_green_1111 | ₹100 and above | 6.30% |
| 1777 days (Green Rupee TD)sbi_green_1777 | ₹100 and above | 6.30% |
| 2222 days (Green Rupee TD)sbi_green_2222 | ₹100 and above | 6.05% |
w.e.f. 2026-03-15rate card 2 of 29 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to 443 daysinherited_from_nre | ₹100 and above | 6.25% |
| 444 Days (Amrit Vrishti)amrit_vrishti | ₹100 and above | 6.45% |
| 445 days to less than 2 yearsinherited_from_nre | ₹100 and above | 6.25% |
| 2 years to less than 3 yearsinherited_from_nre | ₹100 and above | 6.40% |
| 3 years to 1110 daysinherited_from_nre | ₹100 and above | 6.30% |
| 1112 days to 1776 daysinherited_from_nre | ₹100 and above | 6.30% |
| 1778 days to less than 5 yearsinherited_from_nre | ₹100 and above | 6.30% |
| 5 years to 2221 daysinherited_from_nre | ₹100 and above | 6.05% |
| 2223 days to 10 yearsinherited_from_nre | ₹100 and above | 6.05% |
NRO RDNRO_RD
w.e.f. 2026-05-159 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 year to 443 daysinherited_from_nro | ₹100 and above | 6.25% |
| 444 Days (Amrit Vrishti)amrit_vrishti | ₹100 and above | 6.45% |
| 445 days to less than 2 yearsinherited_from_nro | ₹100 and above | 6.25% |
| 2 year to less than 3 yearsinherited_from_nro | ₹100 and above | 6.40% |
| 3 years to 1110 daysinherited_from_nro | ₹100 and above | 6.30% |
| 1112 days to 1776 daysinherited_from_nro | ₹100 and above | 6.30% |
| 1778 days to less than 5 yearsinherited_from_nro | ₹100 and above | 6.30% |
| 5 years to 2221 daysinherited_from_nro | ₹100 and above | 6.05% |
| 2223 days to 10 yearsinherited_from_nro | ₹100 and above | 6.05% |
FCNR — callable
FCNR · USD · CallableFCNR_USD
w.e.f. 2026-07-15USD6 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Year | — | 4.40% |
| Above 1 year to less than 2 years | — | 4.40% |
| 2 Years to less than 3 Years | — | 3.55% |
| 3 Years to less than 4 Years | — | 3.35% |
| 4 Years to less than 5 Years | — | 2.95% |
| 5 Years only | — | 3.05% |
FCNR · GBP · CallableFCNR_GBP
w.e.f. 2026-07-15GBP6 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Year | — | 4.00% |
| Above 1 year to less than 2 years | — | 4.00% |
| 2 Years to less than 3 Years | — | 3.95% |
| 3 Years to less than 4 Years | — | 3.00% |
| 4 Years to less than 5 Years | — | 2.90% |
| 5 Years only | — | 2.80% |
FCNR · EUR · CallableFCNR_EUR
w.e.f. 2026-07-15EUR6 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Year | — | 3.00% |
| Above 1 year to less than 2 years | — | 3.00% |
| 2 Years to less than 3 Years | — | 1.50% |
| 3 Years to less than 4 Years | — | 1.50% |
| 4 Years to less than 5 Years | — | 1.50% |
| 5 Years only | — | 1.50% |
FCNR · YEN (JPY) · CallableFCNR_JPY
w.e.f. 2026-07-15JPY6 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Year | — | 0.65% |
| Above 1 year to less than 2 years | — | 0.65% |
| 2 Years to less than 3 Years | — | 0.65% |
| 3 Years to less than 4 Years | — | 0.65% |
| 4 Years to less than 5 Years | — | 0.55% |
| 5 Years only | — | 0.55% |
FCNR · CAD · CallableFCNR_CAD
w.e.f. 2026-07-15CAD6 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Year | — | 3.08% |
| Above 1 year to less than 2 years | — | 3.08% |
| 2 Years to less than 3 Years | — | 2.83% |
| 3 Years to less than 4 Years | — | 2.58% |
| 4 Years to less than 5 Years | — | 2.63% |
| 5 Years only | — | 2.68% |
FCNR · AUD · CallableFCNR_AUD
w.e.f. 2026-07-15AUD6 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 1 Year | — | 4.25% |
| Above 1 year to less than 2 years | — | 4.25% |
| 2 Years to less than 3 Years | — | 4.15% |
| 3 Years to less than 4 Years | — | 4.05% |
| 4 Years to less than 5 Years | — | 3.95% |
| 5 Years only | — | 3.85% |
FCNR — non-callable
FCNR · USD · Non-CallableFCNR_USD_NC
w.e.f. 2026-04-01USD6 rows
View source — product page ↗| Tenure (as the bank states it) | Amount slab | Rate (% p.a.) |
|---|---|---|
| 3 years and above but less than 4 years | USD 5,000 – USD 1,000,000 | 5.25% |
| 3 years and above but less than 4 years | USD 1,000,000 and above | 5.50% |
| 4 years and above but less than 5 years | USD 5,000 – USD 1,000,000 | 5.50% |
| 4 years and above but less than 5 years | USD 1,000,000 and above | 5.75% |
| 5 years only | USD 5,000 – USD 1,000,000 | 5.75% |
| 5 years only | USD 1,000,000 and above | 6.00% |
If you break it early
Breaking this deposit early — FD · General
Every band State Bank of India publishes for premature closure of FD · General, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹0 to under ₹5 lakh | 7 days to 3650 days | 0.50% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹0 to under ₹5 lakh | 7 days to 3650 days | 0.50% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹5,00,001 to under ₹1,99,99,999 | 7 days to 3650 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹5,00,001 to under ₹1,99,99,999 | 7 days to 3650 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹2 crore to under ₹3 crore | 7 days to 3650 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹2 crore to under ₹3 crore | 7 days to 3650 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
The bank’s own wording
- ₹0 to under ₹5 lakh · 7 days to 3650 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source - ₹0 to under ₹5 lakh · 7 days to 3650 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source - ₹5,00,001 to under ₹1,99,99,999 · 7 days to 3650 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source - ₹5,00,001 to under ₹1,99,99,999 · 7 days to 3650 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source - ₹2 crore to under ₹3 crore · 7 days to 3650 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source - ₹2 crore to under ₹3 crore · 7 days to 3650 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source
Breaking this deposit early — FD · Senior Citizen
Every band State Bank of India publishes for premature closure of FD · Senior Citizen, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹0 to under ₹5 lakh | 7 days to 3650 days | 0.50% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹0 to under ₹5 lakh | 7 days to 3650 days | 0.50% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹5,00,001 to under ₹1,99,99,999 | 7 days to 3650 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹5,00,001 to under ₹1,99,99,999 | 7 days to 3650 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹2 crore to under ₹3 crore | 7 days to 3650 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹2 crore to under ₹3 crore | 7 days to 3650 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
The bank’s own wording
- ₹0 to under ₹5 lakh · 7 days to 3650 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source - ₹0 to under ₹5 lakh · 7 days to 3650 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source - ₹5,00,001 to under ₹1,99,99,999 · 7 days to 3650 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source - ₹5,00,001 to under ₹1,99,99,999 · 7 days to 3650 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source - ₹2 crore to under ₹3 crore · 7 days to 3650 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source - ₹2 crore to under ₹3 crore · 7 days to 3650 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source
Breaking this deposit early — FD · Super Senior
Every band State Bank of India publishes for premature closure of FD · Super Senior, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹0 to under ₹5 lakh | 7 days to 3650 days | 0.50% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹5,00,001 to under ₹1,99,99,999 | 7 days to 3650 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
| ₹2 crore to under ₹3 crore | 7 days to 3650 days | 1% off your rate | Worked out on the rate for the period you actually ran, not the rate you booked at. |
The bank’s own wording
- ₹0 to under ₹5 lakh · 7 days to 3650 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source - ₹5,00,001 to under ₹1,99,99,999 · 7 days to 3650 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source - ₹2 crore to under ₹3 crore · 7 days to 3650 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source
Breaking this deposit early — FD · Non-Callable
Every band State Bank of India publishes for premature closure of FD · Non-Callable, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,00,01,000 to under ₹3 crore | 0 days to 36500 days | ||
| ₹1,00,01,000 to under ₹3 crore | 0 days to 36500 days | ||
| ₹1,00,01,000 to under ₹3 crore | 0 days to 36500 days |
The bank’s own wording
- ₹1,00,01,000 to under ₹3 crore · 0 days to 36500 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source - ₹1,00,01,000 to under ₹3 crore · 0 days to 36500 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source - ₹1,00,01,000 to under ₹3 crore · 0 days to 36500 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source
Breaking this deposit early — FD · Non-Callable SC
Every band State Bank of India publishes for premature closure of FD · Non-Callable SC, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,00,01,000 to under ₹3 crore | 0 days to 36500 days | ||
| ₹1,00,01,000 to under ₹3 crore | 0 days to 36500 days | ||
| ₹1,00,01,000 to under ₹3 crore | 0 days to 36500 days |
The bank’s own wording
- ₹1,00,01,000 to under ₹3 crore · 0 days to 36500 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source - ₹1,00,01,000 to under ₹3 crore · 0 days to 36500 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source - ₹1,00,01,000 to under ₹3 crore · 0 days to 36500 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source
Breaking this deposit early — Tax Saver
Every band State Bank of India publishes for premature closure of Tax Saver, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to ₹1,50,000 | 0 days to 36500 days |
The bank’s own wording
- ₹1,000 to ₹1,50,000 · 0 days to 36500 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source
Breaking this deposit early — Tax Saver SC
Every band State Bank of India publishes for premature closure of Tax Saver SC, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.
| Deposit amount | How long it has run | What it costs | How it is worked out |
|---|---|---|---|
| ₹1,000 to ₹1,50,000 | 0 days to 36500 days |
The bank’s own wording
- ₹1,000 to ₹1,50,000 · 0 days to 36500 days
“<!doctype html> <html lang="en"> <body> <!-- Read-only fixture transcribed from the rendered official SBI pages in Chrome on 2026-08-18. --> <section data-product="rates" data-source-url="https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits"> <h1>Revision in Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)</h1> <table> <tr> <th>Tenors</th> <th>Existing Rates for Public w.e.f. 15/07/2025</th> <th>Revised Rates for Public w.e.f.15/12/2025</th> <th>Existing Rates for Senior Citizen w.e.f. 15/07/2025</th> <th>Revised Rates for Senior Citizen w.e.f. 15/12/2025</th> </tr> <tr><td>7 days to 45 days</td><td>3.05</td><td>3.05</td><td>3.55</td><td>3.55</td></tr> <tr><td>46 days to 179 days</td><td>4.90</td><td>4.90</td><td>5.40</td><td>5.40</td></tr> <tr><td>180 days to 210 days</td><td>5.65</td><td>5.65</td><td>6.15</td><td>6.15</td></tr> <tr><td>211 days to less than 1 year</td><td>5.90</td><td>5.90</td><td>6.40</td><td>6.40</td></tr> <tr><td>1 Year to less than 2 years</td><td>6.25</td><td>6.25</td><td>6.75</td><td>6.75</td></tr> <tr><td>2 years to less than 3 years</td><td>6.45</td><td>6.40</td><td>6.95</td><td>6.90</td></tr> <tr><td>3 years to less than 5 years</td><td>6.30</td><td>6.30</td><td>6.80</td><td>6.80</td></tr> <tr><td>5 years and up to 10 years</td><td>6.05</td><td>6.05</td><td>7.05*</td><td>7.05*</td></tr> </table> <p>*Including additional premium of 50 bps under ”SBI We-care” deposit scheme.</p> <table> <tr><th colspan="5">NON-CALLABLE TERM DEPOSIT - RETAIL (From Rs.1,00,01000/- to less than Rs.3,00,00,000/-)</th></tr> <tr><th>Tenors</th><th>Particulars</th><th>General Public</th><th>Senior Citizen</th></tr> <tr><td>1 Year</td><td>0.30% above Card Rate</td><td>6.55%</td><td>7.05%</td></tr> <tr><td>2 Years</td><td>0.40% above Card Rate</td><td>6.80%</td><td>7.30%</td></tr> </table> <p>The interest rate of specific tenor scheme of "Amrit Vrishti"(444 days) has also been revised from 6.60% to 6.45% wef 15-Dec-2025. Senior Citizens and Super Senior Citizens are eligible for their additional benefits in rate of interest.</p> <p>SBI Patrons: An additional benefit of 10 bps is applicable for Super Senior Citizens (80 years and above) over the interest rate applicable for senior citizens. The scheme is not applicable to Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme and Non-Callable Term Deposits.</p> <p>SBI GREEN RUPEE TERM DEPOSIT is available for three specific tenors of 1111, 1777 & 2222 days, at par with Card Rate, w.e.f 01.05.2026.</p> </section> <section data-product="fd" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/fixed-deposit"> <h1>Fixed Deposit - Personal Banking</h1> <p>Park your lump sum amount in an SBI Term Deposit and avail of features like guaranteed returns, choice of interest pay-out, liquidity through OD or premature withdrawal.</p> <p>Invest today through Online-SBI or by visiting your nearest branch.</p> <p>Minimum period of deposit – 7 days</p> <p>Maximum period of deposit- 10 Years</p> <p>Minimum deposit amount Rs. 1,000/-</p> <p>Maximum deposit amount: No Upper Limit</p> <p>A deposit of Rs. 3 crore and more is classified as bulk deposit</p> <p>Interest on a Term Deposit is payable to the depositor quarterly from the date of issue or at maturity along with principal.</p> </section> <section data-product="patrons" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-patrons"> <h1>‘SBI Patrons’ : Term Deposit Scheme for Super Senior Citizens</h1> <p>Bank has decided to launch a new variant of Term Deposit “SBI Patrons” for Super Senior Citizens. As per section 194P of Income Tax Act 1961, resident individuals attaining the age of 80 years or more are considered as Super Senior Citizen. Under ‘SBI Patrons’ scheme, super senior citizens will be offered interest rate of 10 bps above the card rates applicable for senior citizens.</p> <p>Eligible customers All individuals (including SBI Staff) attaining the age of 80 years and above, singly/ jointly.</p> <p>Type of deposit TDR/ STDR (Callable only)</p> <p>Minimum & Maximum amount Minimum: ₹1000/- Maximum: Less than ₹3 crore.</p> <p>Period of Deposit 7 days to 10 years</p> <p>Premature withdrawal Available with penal clause as applicable for normal Term Deposit.</p> </section> <section data-product="tax" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/sbi-tax-savings-scheme-2006"> <h1>SBI Tax Savings Scheme, 2006</h1> <p>Deposits in this Scheme gives Tax benefits under section 80C of Income- tax Act,1961.</p> <p>Tenor: Minimum: 5 years - Maximum: 10 years.</p> <p>Lock-in period of 5 years.</p> <p>Resident Indians for himself/ herself as an individual or in the capacity of the Karta of HUF having PAN.</p> <p>Pre-mature payment is not allowed before the expiry of five (5) years from the date of its receipt except in case of death of depositor.</p> <p>Interest Rate as applicable to Term Deposits.</p> <p>Quarterly compounded Interest.</p> <p>Minimum Deposit: Rs. 1,000/- or multiples thereof.</p> <p>Maximum Deposit: Not exceeding Rs. 1,50,000/- in a year.</p> </section> <section data-product="nc" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/non-callable-term-deposit-retail-ncd-r"> <h1>NON-CALLABLE TERM DEPOSIT - RETAIL (NCD-R)</h1> <p>Eligibility: Resident Individuals and Non- Individual Customers (Minors are excluded, Separate scheme is available for NRI Customers)</p> <p>Senior Citizens / Staff/ Staff Senior Citizens are eligible for additional Interest Rate applicable over Non Callable Rates for Public.</p> <p>Minimum Amount (In multiples of Rs. 1000/- thereafter): Rs.1,00,01,000/- (Rupee one crore and one thousand) *Separate product for Non-callable Bulk deposit</p> <p>Maximum Amount: < (Less than) Rs.3.00 crore</p> <p>1 year and 2 years only</p> <p>30 bps over card rate of TD Retail for tenor 1 year.</p> <p>40 bps over card rate of TD Retail for tenor 2 years.</p> <p>Eligible Products</p> <p>TDR/ STDR only</p> <p>Monthly/ Quarterly / Half yearly/Yearly Interest Pay-out is available for TDR.</p> <p>For STDR, Interest shall be paid on maturity along with principal.</p> <p>Premature Withdrawal:Strictly not allowed except in case of:</p> <p>Death of Individual Depositor(s)</p> <p>Available through Channel:The product shall be available through Branch CBS channel only.</p> <p>Last Updated On : Monday, 01-12-2025</p> </section> <section data-product="deposit_policy" data-source-url="https://sbi.bank.in/web/interest-rates/interest-rates/deposit-rates"> <h1>Penalty on Premature Withdrawal of Deposits</h1> <p>DOMESTIC RETAIL TERM DEPOSITS</p> <p>REVISION IN PENALTY ON PREMATURE WITHDRAWALS WITH EFFECT FROM 01 ST APRIL 2017</p> <p>Retail Term Deposits up to Rs.5.00 lacs 0.50%</p> <p>Retail Term Deposits above Rs.5.00 lacs but below Rs.2 Crore 1%</p> <p>Bulk Term Deposit of Rs.2.00 Crore and above 1%</p> <p>The interest shall be 0.50% or 1% below the rate applicable at the time of Deposits for the period Deposit has remained with the Bank.</p> <p>No interest will be paid on Deposits which remain for a period of less than 7 days.</p> <p>Number of days in a year (including leap year) reckoned for calculation of interest shall be 365 days for all INR denominated domestic deposits.</p> </section> <section data-product="reinvestment" data-source-url="https://sbi.bank.in/web/personal-banking/investments-deposits/deposits/reinvestment-plan"> <h1>Reinvestment Plan</h1> <p>This product is a variant of Term Deposits but instead of Interest being paid out at a regular frequency during the period of deposit; here it is paid out only at the time of maturity. Regular interest is added to the principal and compound interest calculated and paid thereon</p> <p>Interest on deposit is compounded quarterly and paid to depositor at the end of the term</p> </section> <section data-product="yono_tax" data-source-url="https://sbi.bank.in/web/yono/tax-saver-fixed-deposit"> <h1>Tax Saver Fixed Deposit - Yono</h1> <p>Minimum period of deposit – 5 Years</p> <p>Maximum period of deposit - 10 Years</p> <p>Minimum deposit amount Rs. 1,000/- (and in multiples of Rs. 100/- thereafter for Senior Citizen Min Dep is Rs. 10000/-</p> <p>Maximum deposit amount not exceeding Rs. 1,50,000/- in a financial year to take the advantage of 80C.</p> <p>Rate of interest as applicable to Term Deposits for Public and Senior Citizens.</p> <p>No deposit shall be encashed before expiry of 5 years from date of deposit except in case of death of depositor.</p> </section> </body> </html>”
Source
Not yet verified
We have not read and recorded State Bank of India’s premature-withdrawal terms for RD, RD · SC, Savings, NRE Savings, NRO Savings, Savings Sweep, NRE, NRE · Non-Callable, NRO, NRO · Non-Callable, RFC · USD (returned NRI), RFC · GBP (returned NRI), RFC · EUR (returned NRI), NRE RD, NRO RD, FCNR · USD · Callable, FCNR · GBP · Callable, FCNR · EUR · Callable, FCNR · YEN (JPY) · Callable, FCNR · CAD · Callable, FCNR · AUD · Callable, FCNR · USD · Non-Callable. That is not a statement that breaking these is free. It means nobody has yet read the bank’s own wording for them. Ask the bank before you assume a cost.
Not offered by State Bank of India
29 products we track are confirmed absent from this bank — each verdict recorded against the page that was read. Products missing from both lists are ones we have not yet established either way.
Fixed deposits
- FD · Non-Callable SSCsource ↗checked 2026-07-20
Tax-saver deposits (80C)
- Tax Saver SSCsource ↗checked 2026-07-20
Recurring deposits
- RD · SSCsource ↗checked 2026-07-20
NRI deposits
- RFC · AUD (returned NRI)source ↗checked 2026-07-20
- RFC · CAD (returned NRI)source ↗checked 2026-07-20
- RFC · CHF (returned NRI)source ↗checked 2026-07-20
- RFC · HKD (returned NRI)source ↗checked 2026-07-20
- RFC · NZD (returned NRI)source ↗checked 2026-07-20
- RFC · SEK (Krona) (returned NRI)source ↗checked 2026-07-20
- RFC · SGD (returned NRI)source ↗checked 2026-07-20
- RFC · YEN (JPY) (returned NRI)source ↗checked 2026-07-20
- RFC Savings (returned NRI)source ↗checked 2026-07-20
FCNR — callable
- FCNR · CHF · Callablesource ↗checked 2026-07-20
- FCNR · HKD · Callablesource ↗checked 2026-07-20
- FCNR · NZD · Callablesource ↗checked 2026-07-14
- FCNR · SEK (Krona) · Callablesource ↗checked 2026-07-20
- FCNR · SEK (Krona) · Non-Callablesource ↗checked 2026-07-20
- FCNR · SGD · Callablesource ↗checked 2026-07-20
FCNR — non-callable
- FCNR · AUD · Non-Callablesource ↗checked 2026-07-20
- FCNR · CAD · Non-Callablesource ↗checked 2026-07-20
- FCNR · CHF · Non-Callablesource ↗checked 2026-07-20
- FCNR · EUR · Non-Callablesource ↗checked 2026-07-20
- FCNR · GBP · Non-Callablesource ↗checked 2026-07-20
- FCNR · HKD · Non-Callablesource ↗checked 2026-07-20
- FCNR · NZD · Non-Callablesource ↗checked 2026-07-20
- FCNR · SGD · Non-Callablesource ↗checked 2026-07-20
- FCNR · YEN (JPY) · Non-Callablesource ↗checked 2026-07-20
Financial healthQ4FY26
Full transparency report →- GNPA
- 1.78%
- NNPA
- 0.38%
- CAR
- 13.55%
- CASA
- 37.60%
- ROA
- 1.18%
- ROE
- 23.50%
How to read this page
- Tenures are the bank's own words. “1 Year to 443 days” is printed exactly as State Bank of India prints it. We never convert a band into a day count or a midpoint — that would be a number the bank never published.
- One card, one w.e.f. When a product is live under several “with effect from” dates, each gets its own card. We do not merge them into a table the bank never issued.
- Every card links to its source. The product's own page where we have it, otherwise the bank's FD rate page, otherwise the bank's website. Aggregator sites are never a source.
- Only approved, current rows appear. 176 rows on this page are published and un-superseded. Rows awaiting verification, and rows a later rate card replaced, are not shown.
MyPassbook is read-only and never touches your money. Rates change without notice — always confirm on the bank's own page before you book. Deposits with scheduled commercial banks in India are insured by DICGC up to ₹5,00,000 per depositor per bank.