Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Deposit amountMinimum ₹1,000; no published maximum; deposits of ₹3 crore or more are classified as bulk depositsView source
The ₹3 crore boundary determines whether the retail or bulk rate table applies.
- Source
- Fixed Deposit
- Page / section
- Features — deposit amount
- Accessed
- 12 Aug 2026
- Confidence
- high
Deposit period7 days to 10 yearsView source
publishes a minimum of 7 days and a maximum of 10 years.
- Source
- Fixed Deposit
- Page / section
- Features — period of deposit
- Accessed
- 12 Aug 2026
- Confidence
- high
Retail public rates below ₹3 crore3.05% for 7-45 days; 4.90% for 46-179 days; 5.65% for 180-210 days; 5.90% for 211 days to under 1 year; 6.25% for 1 to under 2 years; 6.40% for 2 to under 3 years; 6.30% for 3 to under 5 years; 6.05% for 5 to 10 yearsEffective 15 Dec 2025View source
These current public card rates supersede the fixed-deposit page's stale promotional widget; last updated the controlling rate page on 16 June 2026.
- Source
- Retail Domestic Term Deposit Rates
- Page / section
- Below ₹3 crore — Public rows
- Accessed
- 12 Aug 2026
- Confidence
- high
Retail senior-citizen rates below ₹3 crore3.55% for 7-45 days; 5.40% for 46-179 days; 6.15% for 180-210 days; 6.40% for 211 days to under 1 year; 6.75% for 1 to under 2 years; 6.90% for 2 to under 3 years; 6.80% for 3 to under 5 years; 7.05% for 5 to 10 yearsEffective 15 Dec 2025View source
The published 7.05% five-to-ten-year rate includes the 50-basis-point We-care premium; customer eligibility and exclusions on the rate page still apply.
- Source
- Retail Domestic Term Deposit Rates
- Page / section
- Below ₹3 crore — Senior Citizen rows
- Accessed
- 12 Aug 2026
- Confidence
- high
Bulk public rates from ₹3 crore4.50% for 7-14 days; 5.00% for 15-45 days; 5.10% for 46-179 days; 5.60% for 180-210 days; 5.60% for 211 days to under 1 year; 6.25% for 1 to under 2 years; 6.15% for 2 to under 3 years; 6.00% for 3 to under 5 years; 6.00% for 5 to 10 yearsEffective 15 May 2026View source
The revised bulk rates apply to fresh deposits and renewals from 15 May 2026.
- Source
- Domestic Bulk Term Deposit Rates
- Page / section
- ₹3 crore and above — Public rows
- Accessed
- 12 Aug 2026
- Confidence
- high
Bulk senior-citizen rates from ₹3 crore5.00% for 7-14 days; 5.50% for 15-45 days; 5.60% for 46-179 days; 6.10% for 180-210 days; 6.10% for 211 days to under 1 year; 6.75% for 1 to under 2 years; 6.65% for 2 to under 3 years; 6.50% for 3 to under 5 years; 6.50% for 5 to 10 yearsEffective 15 May 2026View source
Customer eligibility and the applicable deposit date determine whether the senior-citizen column applies.
- Source
- Domestic Bulk Term Deposit Rates
- Page / section
- ₹3 crore and above — Senior Citizen rows
- Accessed
- 12 Aug 2026
- Confidence
- high
Interest payoutQuarterly from issue or at maturity with principal; for deposits of 12 months or more, monthly, half-yearly or yearly payout may be requestedView source
says monthly interest is paid at a discounted rate and also permits calendar-quarter payment.
- Source
- Fixed Deposit
- Page / section
- Features — interest payout; Terms & Conditions
- Accessed
- 12 Aug 2026
- Confidence
- high
Premature withdrawalAvailable; for bulk deposits SBI publishes a 1% premature-payment penalty for all tenorsEffective 15 May 2026View source
The product page confirms premature withdrawal but the reviewed standard retail page does not state a numeric retail penalty, so the 1% figure is not projected onto deposits below ₹3 crore.
- Source
- Domestic Bulk Term Deposit Rates
- Page / section
- Premature payment penalty note
- Accessed
- 12 Aug 2026
- Confidence
- high
Loan against depositAllowed; the page publishes a 10% margin for public deposits with residual tenor over 36 through 60 months and 15% above 60 monthsView source
The reviewed table does not display a margin row for residual tenor of 36 months or less; no missing value is inferred.
- Source
- Fixed Deposit
- Page / section
- Features — Loan against deposit
- Accessed
- 12 Aug 2026
- Confidence
- high
NominationAvailable in favour of an individual onlyView source
The page describes the nominee category but does not publish a dedicated nomination form or full eligibility rules.
- Source
- Fixed Deposit
- Page / section
- Features — Nomination
- Accessed
- 12 Aug 2026
- Confidence
- high
Tax deduction at sourceTDS applies under Income Tax rules; Form 15G or 15H may be submitted for exemption where the applicable rules permitView source
No fixed rate or income threshold is inferred because tax rules and depositor circumstances control the deduction.
- Source
- Fixed Deposit
- Page / section
- Features and Terms & Conditions —
- Accessed
- 12 Aug 2026
- Confidence
- high
Opening channelsOnlineSBI or any SBI branchView source
The page says the deposit is available at all branches and directs customers to OnlineSBI or a nearby branch.
- Source
- Fixed Deposit
- Page / section
- Product introduction and Features
- Accessed
- 12 Aug 2026
- Confidence
- high
Branch transferTransferable among SBI branchesView source
This is transfer within and does not mean the deposit can be transferred to another bank.
- Source
- Fixed Deposit
- Page / section
- Features — Transferability
- Accessed
- 12 Aug 2026
- Confidence
- high
Senior-citizen rateFor retail deposits below ₹3 crore, the senior-citizen rate is 3.55% for 7–45 days, 5.40% for 46–179 days, 6.15% for 180–210 days, 6.40% for 211 days to under 1 year, 6.75% for 1 to under 2 years, 6.90% for 2 to under 3 years, 6.80% for 3 to under 5 years, and 7.05% for 5 to 10 years. Rates are effective 15 December 2025; the 5–10-year rate includes the 50-basis-point SBI We-care premium.Effective 15 Dec 2025View source
The issuer publishes separate revised senior-citizen rows for each tenor and notes that We-care adds 50 bps to the 5–10-year rate.
- Source
- Retail Domestic Term Deposits - Interest Rates
- Page / section
- Revision in Interest Rates on Retail Domestic Term Deposits (Below ₹3 crore)
- Accessed
- 28 Aug 2026
- Confidence
- high
Interest payoutSBI Term Deposit interest is payable quarterly from the issue date or at maturity with principal. On request, deposits fixed for 12 months or more may pay interest monthly, half-yearly or yearly; monthly payments use a discounted rate.Effective 1 Dec 2025View source
The official page publishes quarterly or maturity payout and the optional monthly, half-yearly or yearly intervals for deposits of 12 months and above, with monthly interest at a discounted rate.
- Source
- Fixed Deposit — official product page
- Page / section
- Features and Most important Terms and Conditions — Interest payout
- Accessed
- 29 Aug 2026
- Confidence
- high
Minimum depositRates depend on deposit amount, tenor, customer category and booking date; deposits from ₹3 crore use the bulk table.View source
The manually reviewed product record states: “Rates depend on deposit amount, tenor, customer category and booking date; deposits from ₹3 crore use the bulk table.”.
- Source
- Fixed Deposit — official product page
- Page / section
- Published product metadata
- Accessed
- 12 Aug 2026
- Confidence
- high
Benefits and features
- Seven-day to ten-year tenor range
- Choice of interest-payout intervals
- Premature-withdrawal liquidity
- Deposit-backed loan facility
- OnlineSBI and nationwide branch access
Eligibility
- The reviewed product page does not publish a detailed depositor-category or -document list; current eligibility and rules apply.
- Rates depend on deposit amount, tenor, customer category and booking date; deposits from ₹3 crore use the bulk table.
- The fixed-deposit page's generic promotional rate widget is stale; the separately reviewed official retail and bulk rate tables control the rates shown here.
- A numeric standard retail premature-withdrawal penalty was not published on the reviewed pages and should be confirmed before closure.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- and deposit-opening documents applicable to the depositor under current rules; the fixed-deposit page does not publish a dedicated checklist
Related official documents
SBI Domestic Bulk Term Deposit Ratesofficial-rate-table · current · accessed 12 Aug 2026
↗SBI Retail Domestic Term Deposit Ratesofficial-rate-table · current · accessed 12 Aug 2026
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