What is the interest rate for an SBI short-term deposit?

SBI short-term FD (defined as tenures from 7 days up to less than 1 year) offers interest rates from 3.05% to 5.90% p.a. for the general public and 3.55% to 6.40% p.a. for senior citizens (as per rates w.e.f. December 15, 2025).

What is today's SBI FD interest rate?

The current SBI FD interest rates range from 3.55% to 6.95% p.a. for the general public, and from 3.55% to 7.05% p.a. for senior citizens, which are different from other FD interest rates available in the market.

What is the interest rate for the SBI Green Rupee Term Deposit?

The SBI Green Rupee Term Deposit (SGRTD) is available in 1111-day, 1777-day, and 2222-day tenures. For deposits below â¹3 crore, rates range from 5.95% to 6.20% p.a. for general citizens and 6.70% to 6.95% for senior citizens. For deposits above â¹3 crore, the rates are 5.90% and 6.40% respectively.

What is 444 days FD in SBI?

The SBI 444-day Amrit Vrishti scheme is a special fixed deposit scheme offered by State Bank of India. The 444-day scheme interest rate is 6.45% p.a. for general citizens, 6.95% p.a. for senior citizens, and 7.05% p.a. for super senior citizens. These rates have been effective since December 15, 2025.

What is the rate of a 50,000 FD for 1 year in SBI?

For a â¹50,000 investment for 1 year, the SBI FD interest rate for 2026 depends on your category (General vs. Senior Citizen). For general citizen the interest rate is 6.25% p.a. And for senior citizens 6.75%.

What is the interest rate for the SBI WeCare FD?

The SBI WeCare Deposit Scheme offers an additional 0.50% p.a. over the applicable senior citizen fixed deposit rate for eligible deposits with a tenure of 5 years and above.

What is the Auto-sweep-in and Auto-sweep-out facility under the SBI FD Scheme?

The SBI sweep-in FD feature connects your savings/current account to an FD. The excess amount in your account is automatically swept to an FD to get more interest, and the deficit in your account is met by transferring the required amount from the MOD deposit in multiples of â¹5,000.

What is the penalty for the premature closure of an FD in SBI?

The penalty for early closure of an SBI Fixed Deposit is between 0.5% and 1%, depending on the amount of the deposit. FDs below â¹5 lakh have a penalty of 0.5%, and FDs of â¹5 lakh and more have a 1% penalty.

What is the SBI Patron scheme for super senior citizens?

The SBI Patron is a special fixed deposit scheme introduced by State Bank of India for super senior citizens who are 80 or older. This scheme gives them an extra 0.10% interest on top of the higher rate that regular senior citizens already get.

Can NRIs open FCNR deposits in Japanese Yen (JPY) with SBI?

Yes, NRIs can open FCNR (B) deposits in Japanese Yen (JPY) with SBI. You can also open these fixed deposits in Japanese Yen, which is one of six foreign currencies accepted by SBI.

SBI FD Interest Rates

State Bank of India (SBI) offers domestic retail fixed deposit interest rates ranging from 3.05% to 6.45% p.a. for general depositors and 3.55% to 7.05% p.a. for senior citizens on amounts under ₹3 crore across 7-day to 10-year tenures. The peak regular yield is 6.45% p.a. for the 444-day Amrit Vrishti special scheme, while senior citizens earn up to 7.05% p.a. on long-term deposits ranging from 5 to 10 years under SBI WeCare.

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SBI Fixed Deposit Rates Overview

General Public Interest Range: 3.05% – 6.45% p.a.
Senior Citizen Interest Range: 3.55% – 7.05% p.a.
Highest Yield Scheme: 6.45% p.a. for 444 Days (Amrit Vrishti)
5-Year Tax Saver Rate: 6.05% p.a. (General Public) | 7.05% p.a. (Senior Citizens)

SBI FD Interest Rates for September 2026 (Below ₹3 Cr.)

Below are the SBI FD rates for deposits below ₹3 crore, effective from December 15, 2025.

Tenures	Regular Rates (p.a.)	Senior Citizen Rates (p.a.)
7 days to 45 days	3.05%	3.55%
46 days to 179 days	4.90%	5.40%
180 days to 210 days	5.65%	6.15%
211 days to less than 1 year	5.90%	6.40%
1 Year to less than 2 years	6.25%	6.75%
2 years to less than 3 years	6.40%	6.90%
3 years to less than 5 years	6.30%	6.80%
5 years and up to 10 years	6.05	7.05% (Highest)

*SBI FD interest rates effective from 15th December 2025*

The highest SBI fixed deposit interest rate is 6.45% p.a. for the general public on the tenure of the 444-day scheme and 7.05% p.a. for senior citizens on the tenure of 5 years and up to 10 years.

SBI FD Interest Rates 2026: Key Highlights

Below are the important things you should know about SBI fixed deposit interest rates:

Features	Details
FD interest rates	3.05% - 6.45%
Additional rate for senior citizens	0.50%
Deposit Tenure	7 days to 10 years
Minimum Deposit	₹1,000
Interest payout options	Monthly, half-yearly, yearly, cumulative
Premature Withdrawal	SBI Premature withdrawal is available
Loan against FD	Yes, SBI loan against FD is available
Sweep-in/Sweep-out	Auto-sweep available
Secure Credit Options	Available through SBI credit card on FD

How Are SBI FD Interest Rates Decided?

SBI sets its Fixed Deposit (FD) interest rates, which are managed by a dedicated internal group called the Asset Liability Management Committee. This team regularly reviews and updates the rates based on a few main factors:

RBI Repo Rate: When the Reserve Bank of India changes its main interest rate, it becomes cheaper or more expensive for SBI to handle money. SBI usually moves its FD rates up or down to match these changes.
Cash and Loan Demand: If SBI needs to bring in more money to give out loans, it raises FD rates to attract savings through SBI savings accounts. If the bank already has plenty of cash on hand, FD rates may go down.
Length (tenure) of the Deposit: Rates differ depending on how long you keep your money locked in, helping the bank balance its short-term and long-term funds.
Preferential Interest for Seniors: Senior Citizens FD rates are 0.50% higher compared to general citizens. Super senior citizens (age 80 and above) and special deposit schemes often get even higher bonus rates.

SBI FD Rates for Deposits Above ₹3 Crore (Bulk Deposits)

The following are the SBI FD rates for deposits above ₹ 3 crore, effective from August 15, 2026.

Tenure	General Citizen Rates (p.a.)	Senior Citizen Rates (p.a.)
7 days to 14 days	4.25%	4.75%
15 days to 45 days	4.75%	5.25%
46 days to 179 days	4.85%	5.35%
180 days to 210 days	5.50%	6.00%
211 days to less than 1 year	5.60%	6.10%
1 year to less than 2 years	6.25%	6.75%
2 years to less than 3 years	6.15%	6.65%
3 years to less than 5 years	6.00%	6.50%
5 years and up to 10 years	6.00%	6.50%

*SBI FD for above ₹3 crore w.e.f. 15th August 2026*

The SBI FD rates for 2026 for deposits above 3 crore have the highest returns for the tenure of 1 year to less than 2 years, up to 6.25% p.a. for the general public and 6.75% p.a. for senior citizens.

Interest Rates for SBI Tax-Saving FD

The SBI Tax Saver Fixed Deposit has a 5-year lock-in period with guaranteed payouts. You can claim tax deductions of up to ₹1.5 lakh under Section 123 (previously Section 80C; available only if you opt for the old tax regime ) of the Income Tax Act. The current SBI Tax Saver FD rates are 6.05% p.a. for general citizens and 7.05% p.a. for senior citizens.

SBI Senior Citizen FD Rates

An additional 0.50% applies to SBI senior citizens' rates over the regular rates on eligible resident fixed deposits. This benefit is not available on NRE and NRO fixed deposits. Senior citizens can also choose the SBI WeCare Deposit Scheme. It offers an additional 0.50% p.a. over the regular senior citizen rate for eligible fixed deposits with a tenure of 5 years and above. The scheme is available on fresh deposits as well as renewals.

SBI Patrons Scheme for Super Senior Citizens

SBI Patrons gives super senior citizens (aged 80+) an additional 10 bps (0.10%) over standard senior citizen FD rates. Available across tenures of 7 days to 10 years, with a minimum deposit of ₹1,000, the scheme applies automatically to eligible resident term deposits.

SBI Senior Citizen FD Rates Below ₹3 Cr.

The highest rates available to senior citizens for deposits below 3 crore are for the tenure of 5 years to 10 years, effective from December 15, 2025.

Tenures	Senior Citizen FD Rates (p.a.)
7 days to 45 days	3.55%
46 days to 179 days	5.40%
180 days to 210 days	6.15%
211 days to less than 1 year	6.40%
1 Year to less than 2 years	6.75%
2 years to less than 3 years	6.90%
3 years to less than 5 years	6.80%
5 years and up to 10 years	7.05% (Highest)

*SBI FD rates for senior citizens for deposits below 3 crore w.e.f.15th December 2025

The highest rate available to senior citizens for deposits up to 3 crore is 7.05%, with tenures from 5 years to 10 years.

SBI Senior Citizen FD Rates Above ₹3 Cr.

SBI currently offers the highest rate for bulk deposits for the tenure of 1 year to 2 years, effective from August 15, 2026.

Tenure	Senior Citizen FD Rates (p.a.)
7 days to 14 days	4.75%
15 days to 45 days	5.25%
46 days to 179 days	5.35%
180 days to 210 days	6.00%
211 days to less than 1 year	6.10%
1 year to less than 2 years	6.75% (Highest)
2 years to less than 3 years	6.65%
3 years to less than 5 years	6.50%
5 years and up to 10 years	6.50%

*SBI FD rates for senior citizens for deposits above 3 crore w.e.f. 15th August 2026

The highest rate available to senior citizens for deposits above 3 crore is 6.75%, with tenures from 1 year to 2 years.

SBI NRI FD Rates (NRE / NRO / FCNR)

The following tables are for the SBI NRE/ NRO/ FCNR rates. The SBI NRO rates are the same as domestic rates.

SBI NRE FD Rates

The table below shows the SBI NRE FD rates for the tenure from 1 year to less than 10 years. Rates below 3 crore are effective from December 15, 2025; rates above 3 crore are effective from August 15, 2026.

Tenure	Rates for FD Below ₹3 Crore	Rates for ₹3 Crore & Above
1 year to less than 2 years	6.25%	6.25% (Highest)
444 Days (AMRIT VRISHTI)	6.45% (Highest)	- -
2 years to less than 3 years	6.15%	6.15%
3 years to less than 5 years	6.00%	6.00%
5 years to 10 years	6.05%	6.00%

Highest rates for deposits below 3 crore is 6.45%, for 444 days; for above 3 crore 6.25% for 1 year to 2 years.

Foreign Currency Non-Resident (FCNR-B) Rates

The following are the SBI FCNR rates (p.a.) for NRIs to invest in different foreign currencies in India:

CURRENCY	USD	GBP	EURO	CAD	AUD	JPY
1 year	4.40%	4.00%	3.00%	3.08%	4.25%	0.65
Above 1 year to less than 2 years	4.40%	4.00%	3.00%	3.08%	4.25%	0.65
2 years to less than 3 years	3.55%	3.95%	1.50%	2.83%	4.15%	0.65
3 years to less than 4 years	3.35%	3.00%	1.50%	2.58%	4.05%	0.65
4 years to less than 5 years	2.95%	2.90%	1.50%	2.63%	3.95%	0.55
5 years	3.05%	2.80%	1.50%	2.68%	3.85%	0.55

*SBI FCNR rates w.e.f. 15th July 2026

The highest interest in the above rate card is 4.40%, available in USD for 1 year to 2 years.

SBI FD Interest Rate Calculator

The SBI FD Calculator helps you estimate the interest earned and maturity amount on your fixed deposit. As SBI fixed deposit rates are revised from time to time, it is advisable to calculate your expected returns based on the latest applicable interest rate before investing.

To use the calculator, simply enter the deposit amount, investment tenure, and the applicable FD interest rate for your deposit. The calculator will instantly display the estimated interest earned and the maturity amount.

FAQs

What is the interest rate for an SBI short-term deposit?

SBI short-term FD (defined as tenures from 7 days up to less than 1 year) offers interest rates from 3.05% to 5.90% p.a. for the general public and 3.55% to 6.40% p.a. for senior citizens (as per rates w.e.f. December 15, 2025).
What is today's SBI FD interest rate?

The current SBI FD interest rates range from 3.55% to 6.95% p.a. for the general public, and from 3.55% to 7.05% p.a. for senior citizens, which are different from other FD interest rates available in the market.
What is the interest rate for the SBI Green Rupee Term Deposit?

The SBI Green Rupee Term Deposit (SGRTD) is available in 1111-day, 1777-day, and 2222-day tenures. For deposits below ₹3 crore, rates range from 5.95% to 6.20% p.a. for general citizens and 6.70% to 6.95% for senior citizens. For deposits above ₹3 crore, the rates are 5.90% and 6.40% respectively.
What is 444 days FD in SBI?

The SBI 444-day Amrit Vrishti scheme is a special fixed deposit scheme offered by State Bank of India. The 444-day scheme interest rate is 6.45% p.a. for general citizens, 6.95% p.a. for senior citizens, and 7.05% p.a. for super senior citizens. These rates have been effective since December 15, 2025.
What is the rate of a 50,000 FD for 1 year in SBI?

For a ₹50,000 investment for 1 year, the SBI FD interest rate for 2026 depends on your category (General vs. Senior Citizen). For general citizen the interest rate is 6.25% p.a. And for senior citizens 6.75%.
What is the interest rate for the SBI WeCare FD?

The SBI WeCare Deposit Scheme offers an additional 0.50% p.a. over the applicable senior citizen fixed deposit rate for eligible deposits with a tenure of 5 years and above.
What is the Auto-sweep-in and Auto-sweep-out facility under the SBI FD Scheme?

The SBI sweep-in FD feature connects your savings/current account to an FD. The excess amount in your account is automatically swept to an FD to get more interest, and the deficit in your account is met by transferring the required amount from the MOD deposit in multiples of ₹5,000.
What is the penalty for the premature closure of an FD in SBI?

The penalty for early closure of an SBI Fixed Deposit is between 0.5% and 1%, depending on the amount of the deposit. FDs below ₹5 lakh have a penalty of 0.5%, and FDs of ₹5 lakh and more have a 1% penalty.
What is the SBI Patron scheme for super senior citizens?

The SBI Patron is a special fixed deposit scheme introduced by State Bank of India for super senior citizens who are 80 or older. This scheme gives them an extra 0.10% interest on top of the higher rate that regular senior citizens already get.
Can NRIs open FCNR deposits in Japanese Yen (JPY) with SBI?

Yes, NRIs can open FCNR (B) deposits in Japanese Yen (JPY) with SBI. You can also open these fixed deposits in Japanese Yen, which is one of six foreign currencies accepted by SBI.