The SBI Special Term Deposit (STD) is a type of fixed-term deposit where the interest earned is paid out only at the time of maturity. The interest in an SBI Special Term Deposit is compounded and added to the principal, resulting in higher overall returns.
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. |
Below are the features of SBI Special Term Deposit:
Term: The minimum deposit period is 6 months, and the maximum is 10 years.
Availability: Available at all SBI branches.
Minimum and Maximum Deposit: The minimum deposit is Rs. 1,000, and there's no upper limit. Deposits of Rs. 2 crore or more are considered bulk deposits.
Interest: Interest is compounded quarterly and paid out in full at the end of the deposit term.
Nomination: Nomination is available in favor of individuals only.
Cash Payments: For deposits of Rs. 20,000 or more, cash payments are not allowed at maturity.
Transferability: The deposit can be transferred between SBI branches.
Tax Deducted at Source (TDS): TDS is applicable as per Indian Income Tax Rules. However, you can submit Form 15G or 15H to claim exemption from TDS if you meet the eligibility criteria.
Loans Against Deposits: Loans can be obtained against this deposit with applicable margins. Below are the rates:
| Residual tenor of Deposit as on Date of availing loan (For Public) | Margin |
| Up to 36 Months | 5% |
| >36 months & up to 60 months | 10% |
| >60 months | 15% |
Below are the benefits of SBI Special Term Deposit:
Higher Returns: Due to compounding, STDs generally offer higher returns compared to regular term deposits with the same interest rate.
Tax Benefits: Interest earned on STDs is taxable, but you can claim deductions under certain circumstances.
Flexibility: You can choose a deposit term that suits your financial goals.
| 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% |
Allahabad Bank FD Rates
Andhara Bank FD Rates
Assam Gramin Vikash Bank FD Rates
AU Small Finance Bank FD Rates
Axis Bank FD Rates
Bajaj Finance FD Rates
Bandhan Bank FD Rates
Bangiya Gramin Vikash Bank FD Rates
Bank of Baroda FD Rates
Bank of Ceylon FD Rates
Bank of Maharashtra FD Rates
Baroda Gujarat Gramin Bank FD Interest Rates
Allahabad Bank FD Calculator
Andhra Bank FD Calculator
AU Bank FD Calculator
Axis Bank FD Calculator
Bajaj Finance FD Calculator
Bandhan Bank FD Calculator
Bank of Baroda FD Calculator
Bank of India FD Calculator
Bank of Maharashtra FD Calculator
Canara Bank FD Calculator
Central Bank FD Calculator
Corporation Bank FD Calculator
*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
Interest Earned
Maturity Amount
30 Jul 2025
Karnataka Bank FD Premature Withdrawal Penalty Calculator
30 Jul 2025
Karur Vysya Bank FD Premature Withdrawal Penalty Calculator
30 Jul 2025
The Punjab and Sind Bank FD Premature Withdrawal Penalty
30 Jul 2025
The Punjab National Bank FD Premature Withdrawal Penalty
30 Jul 2025
RBL Bank FD premature withdrawal attracts a penalty of 1%Insurance
Calculators
Payment Methods
Secured With
Follow us on
