SBI FD Interest Rates

SBI FD interest rates: up to 6.45% for the general public and 7.05% for senior citizens.

Highest rate, general: 6.45%
Tenure (general): Amrit Vrishti (444 days)
Highest rate, senior citizens: 7.05%
Tenure (senior): 5 years and up to 10 years
Rate card effective: December 15, 2025

State Bank of India’s rate card effective 15 December 2025 pays up to 6.45% a year (Amrit Vrishti (444 days)) on fixed deposits below ₹3 crore. Senior citizens get up to 7.05% (5 years and up to 10 years).

Special deposits. Amrit Vrishti (444 days): 6.45%.

Senior citizens. Senior citizens get 0.50 percentage point more than the general rate. For 5 to 10 years the senior rate also includes the 0.50-point SBI We-care premium, and super senior citizens (80 and above) get a further 0.10 point.

Questions

What is the highest SBI FD rate?

6.45% for the general public on Amrit Vrishti (444 days), and 7.05% for senior citizens on 5 years and up to 10 years, per the rate card effective 15 December 2025.

How much will my SBI FD earn?

Enter the amount, rate and tenure in the FD calculator.

Compare banks in the FD interest rates table.

Bank: State Bank of India
Special deposits: Scheme Tenure General Senior
Amrit Vrishti 444 days 6.45% —
Full rate table (below ₹3 crore): Tenure General Senior citizens
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%
Senior citizen rule: Senior citizens get 0.50 percentage point more than the general rate. For 5 to 10 years the senior rate also includes the 0.50-point SBI We-care premium, and super senior citizens (80 and above) get a further 0.10 point.
Bank rate card: sbi.bank.in
Sources: Source Link
State Bank of India interest rates page https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits
Last checked: September 30, 2026

Scheme	Tenure	General	Senior
Amrit Vrishti	444 days	6.45%	—

Tenure	General	Senior citizens
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%

Source	Link
State Bank of India interest rates page	https://sbi.bank.in/web/interest-rates/deposit-rates/retail-domestic-term-deposits

Source: each bank’s own interest rate page or rate card PDF, linked on each record. Journalist Today is not affiliated with these banks.