What is the SBI FD Interest Rate?

Fixed Deposits (FDs)
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What is the SBI FD Interest Rate?

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Hi Sachin,
This is the most common question people have, “What is the SBI FD interest rate?” Let me explain it in a simple way.

SBI, being a big government bank, offers fixed deposit (FD) interest rates that are decently safe but not the highest in the market. As of now (July 2025), for regular customers, the FD interest rate ranges from 3.30% to 6.30% per annum, depending on how long you invest. If you’re a senior citizen, you get an extra 0.50% on top of the regular rates.

Just keep in mind, these rates can change from time to time. So, if you were wondering what the SBI FD interest rate is, check the bank’s official page for latest rates.

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Whoever is planning to open fixed deposit account often asks what is interest rate for FD in SBI. I understand why SBI is one of the most trusted banks and investors are looking for a genuine name to deposit their money. To tell you, FD interest rates in SBI differ based on tenure and amount deposited. It lies somewhere between 3.05% and 6.45% for general citizens and 3.55% to 7.05% for senior citizens. Sharing the table below with updated FD rates as of July 2025:

Tenure General Citizen Senior Citizens
7 days to 45 days 3.05 3.55
46 days to 179 days 5.05 5.55
180 days to 210 days 5.80 6.30
211 days to less than 1 year 6.05 6.55
1 Year to less than 2 years 6.25 6.75
2 years to less than 3 years 6.45 6.95
3 years to less than 5 years 6.30 6.80
5 years and up to 10 years 6.05 7.05*

Suppose you deposit Rs. 50,000 for a year at the interest rate of 6.25%, your returns would be as follows:

  • Principal: Rs. 50000
  • Interest Rate: 6.25%
  • Tenure: 1 year
  • Interest Earned: Rs. 3199
  • Total Returns: Rs. 53199

Hope this will clarify doubts around FD interest rates and also give you a better understanding on how much interest can you expect from your fixed deposit in SBI.

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I opened FD for 2 years at 6.45% rate.