Government small-savings schemes

Search products and banksBankAll banksState Bank of India

3 products

Product and bank⇅	Tenure⇅ Filter Tenure ◷1–5 years◷Above 10 years	General rate⇅	Senior-citizen rate⇅	Minimum / deposit amount⇅	Premature withdrawal⇅ Filter Premature withdrawal %Percentage charge!Conditional rules	Payout⇅ Filter Payout QQuarterly Matches any selected option
SBI Public Provident Fund AccountState Bank of India	15 years, extendable on application for one or more five-year blocks	7.10% p.a. for 1 July through 30 September 2026	Not published	Minimum ₹500 and maximum ₹1,50,000 per year, paid as a lump sum or instalments	Form 5 application for life-threatening disease, higher education or change in residency status, with the supporting evidence prescribed by the scheme	Not published
SBI Senior Citizens Savings SchemeState Bank of India	5 years, with an optional further 3-year extension	8.20% p.a. for 1 July through 30 September 2026 ↑	Not published	Minimum ₹1,000, then in multiples of ₹1,000, up to ₹30 lakh	Before 1 year: interest paid is recovered after 1 but before 2 years: 1.5% of deposit from 2 years: 1% during extension before 1 year: 1% after 1 year of extension: no deduction	Paid quarterly unclaimed quarterly interest earns no additional interest
SBI Sukanya Samriddhi AccountState Bank of India	Matures 21 years from opening contributions may be made for up to 15 years from opening	8.20% p.a. for 1 July through 30 September 2026 ↑	Not published	Minimum ₹250, then multiples of ₹50, up to ₹1,50,000 per financial year	On beneficiary death, or after five years for documented extreme compassionate grounds such as life-threatening disease or guardian death other closures receive only the applicable post-office savings rate under scheme rules	Not published

Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.