SBI Floating Rate Bulk Term Deposit (FRBTD) is a deposit scheme where the interest rate is linked to an external benchmark, typically the Repo Rate. This means the interest rate on your deposit will fluctuate based on changes in the Repo Rate and/or a spread.
Includes life cover
Completely Tax free+
7.1%*
Guaranteed Plan
(by insurance companies)
(10 Years)
6.5%**
Fixed Deposits
(by SBI bank)
(5-10 Years)
7.1%***
Public Provident Fund
(other popular options)
(15 Years)
TENURE REGULAR RATES SENIOR CITIZEN 7 days to 45 days 3.30% 3.80% 46 days to 179 days 5.30% 5.80% 180 days to 210 days 6.05% 6.55% 211 days to less than 1 year 6.30% 6.80% 1 year to less than 2 year 6.50% 7.00% 2 years to less than 3 years 6.70% 7.20% 3 years to less than 5 years 6.55% 7.05% 5 years and up to 10 years 6.30% 7.30%
| Tenure | SBI FD Interest Rates 2025 (in % p.a.) |
| For 400 days | 7.10% p.a. (highest slab rate) |
| For 1 year | 6.80% p.a. |
| For 2 years | 7.00% p.a. |
| For 3 years | 6.75% p.a. |
| For 4 years | 6.75% p.a. |
| For 5 years | 6.50% p.a. |
| Tax-Saving FDs | 6.50% p.a. |
Interest Rate: The interest rate is linked to the Repo Rate, ensuring it remains competitive with market rates.
Eligibility: All individuals (including NRIs) and non-individual customers can open FRBTD accounts. Minors are not eligible.
Tenor: The minimum deposit period is 91 days, and the maximum is 3 years. For NRE Rupee Term Deposits, the minimum period is 12 months
Deposit Amount: The minimum deposit amount is Rs. 2 crores, and subsequent deposits must be in multiples of Rs. 1,00,000. There's no maximum deposit limit.
Premature Withdrawal: A penalty of 1% applies for premature withdrawal of FRBTD for all tenors. No interest will be paid if the deposit is withdrawn before 91 days.
Loan/Overdraft: You can avail of a loan or overdraft facility up to 90% of your FRBTD amount. The interest rate will be 1.50% p.a. above the applicable floating interest rate.
Transferability: The deposit can be transferred between branches of SBI.
Competitive Interest Rates: The floating rate ensures your deposit earns interest that is competitive with market rates.
Flexibility: The interest rate adjusts to changes in the market, providing flexibility and potentially higher returns.
Loan Facility: The availability of a loan or overdraft can be convenient for short-term financial needs.
| Tenor | Interest Rates for General Citizens (in % p.a.) | Interest Rates for Senior Citizens (in % p.a.) |
| 7 days to 45 days | 3.50% | 4.00% |
| 46 days to 179 days | 5.50% | 6.00% |
| 180 days to 210 days | 6.25% | 6.75% |
| 211 days to less than 1 year | 6.50% | 7.00% |
| 1 Year to less than 2 years | 6.80% | 7.30% |
| 2 years to less than 3 years | 7.00% | 7.50% |
| 3 years to less than 5 years | 6.75% | 7.25% |
| 5 years and up to 10 years | 6.50% | 7.50% |
| Tenure | Regular Customers Interest Rates (p.a.) | Senior Citizens Interest Rates (p.a.) |
| 7 days to 45 days | 5.25% | 5.75% |
| 46 days to 179 days | 6.25% | 6.75% |
| 180 days to 210 days | 6.60% | 7.10% |
| 211 days to less than 1 year | 6.75% | 7.25% |
| 1 year to less than 2 years | 7.00% | 7.50% |
| 2 years to less than 3 years | 7.00% | 7.50% |
| 3 years to less than 5 years | 6.50% | 7.00% |
| 5 years and up to 10 years | 6.25% | 6.75% |
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*All savings are provided by the insurer as per the IRDAI approved
insurance plan. Standard T&C Apply
+ Trad plans with a premium above 5 lakhs would be taxed as per
applicable tax slabs post 31st march 2023
#Discount offered by insurance company
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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