Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Eligible depositorsResident individuals and resident non-individual customers; minors are excluded and SBI directs NRI customers to a separate schemeView source
The product page expressly excludes minors and notes that a separate scheme is available.
- Source
- Non-Callable Retail Term Deposit ()
- Page / section
- Features — Eligibility
- Accessed
- 12 Aug 2026
- Confidence
- high
Deposit amountMinimum ₹1,00,01,000, then in multiples of ₹1,000; maximum is below ₹3 croreView source
states the minimum as one crore and one thousand rupees and the maximum as less than three crore rupees.
- Source
- Non-Callable Retail Term Deposit ()
- Page / section
- Features — Minimum and maximum
- Accessed
- 12 Aug 2026
- Confidence
- high
Available tenorsExactly 1 year or 2 yearsView source
The page lists only one-year and two-year booking options.
- Source
- Non-Callable Retail Term Deposit ()
- Page / section
- Features — Tenor(s)
- Accessed
- 12 Aug 2026
- Confidence
- high
Public non-callable rates6.55% p.a. for 1 year and 6.80% p.a. for 2 yearsEffective 15 Dec 2025View source
Calculated directly as 6.25% + 0.30 percentage points for one year and 6.40% + 0.40 percentage points for two years; rates can change with card table.
- Source
- Retail Domestic Term Deposit Rates and mark-up
- Page / section
- Public card-rate rows effective 15 December 2025 plus 30-bps and 40-bps mark-ups
- Accessed
- 12 Aug 2026
- Confidence
- high
Senior-citizen non-callable rates7.05% p.a. for 1 year and 7.30% p.a. for 2 yearsEffective 15 Dec 2025View source
Calculated directly as 6.75% + 0.30 percentage points for one year and 6.90% + 0.40 percentage points for two years. also says eligible staff categories receive their applicable additional rate over the public non-callable rate.
- Source
- Retail Domestic Term Deposit Rates and mark-up
- Page / section
- Senior-citizen card-rate rows effective 15 December 2025 plus 30-bps and 40-bps mark-ups
- Accessed
- 12 Aug 2026
- Confidence
- high
Eligible deposit formsTDR or STDR only; not available under another term-deposit schemeView source
limits to and forms rather than every named term-deposit scheme.
- Source
- Non-Callable Retail Term Deposit ()
- Page / section
- Features — Eligible Products
- Accessed
- 12 Aug 2026
- Confidence
- high
Interest payoutTDR: monthly, quarterly, half-yearly or yearly; STDR: at maturity with principalView source
Periodic payouts are available only for ; compounds to maturity.
- Source
- Non-Callable Retail Term Deposit ()
- Page / section
- Features — Interest Pay out Option
- Accessed
- 12 Aug 2026
- Confidence
- high
Premature withdrawalNot allowed except under a court or regulator direction, winding up or bankruptcy, death of an individual depositor, or SBI's right of set-offView source
These are the page's only published exceptions to its strict no-premature-withdrawal rule.
- Source
- Non-Callable Retail Term Deposit ()
- Page / section
- Features — Premature Withdrawal
- Accessed
- 12 Aug 2026
- Confidence
- high
Credit facilityDemand loan available; overdraft not allowedView source
The published facility is a demand loan only, not an overdraft.
- Source
- Non-Callable Retail Term Deposit ()
- Page / section
- Features — Loan Facility
- Accessed
- 12 Aug 2026
- Confidence
- high
Booking channelSBI branch CBS onlyView source
No online booking channel is stated for this product.
- Source
- Non-Callable Retail Term Deposit ()
- Page / section
- Features — Available through Channel
- Accessed
- 12 Aug 2026
- Confidence
- high
Tax deduction at sourceTDS applies under the Income Tax ActView source
The page does not publish a fixed percentage or threshold.
- Source
- Non-Callable Retail Term Deposit ()
- Page / section
- Features — Application
- 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 payout / redemptionChoice of TDR periodic payout or STDR maturity payoutView source
The manually reviewed product record states: “Choice of periodic payout or maturity payout”.
- Source
- Non-Callable Retail Term Deposit — official product page
- Page / section
- Published product metadata
- Accessed
- 12 Aug 2026
- Confidence
- high
Minimum depositThe principal must be at least ₹1,00,01,000 and remain below ₹3 crore.View source
The manually reviewed product record states: “The principal must be at least ₹1,00,01,000 and remain below ₹3 crore.”.
- Source
- Non-Callable Retail Term Deposit — official product page
- Page / section
- Published product metadata
- Accessed
- 12 Aug 2026
- Confidence
- high
Benefits and features
- Premium over corresponding callable retail term-deposit card rate
- Choice of periodic payout or maturity payout
- Demand-loan facility against the deposit
- One-year and two-year fixed-tenor options
Eligibility
- Minors are excluded, and publishes a separate non-callable scheme for customers.
- The principal must be at least ₹1,00,01,000 and remain below ₹3 crore.
- Senior citizens and eligible staff categories receive their applicable additional interest over the public non-callable rate.
- Premature withdrawal is unavailable for ordinary liquidity needs; compare a callable fixed deposit if early access may be required.
- The unrelated home-loan widget embedded on the page is excluded from this record.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- and term-deposit booking documents applicable to the customer category under current branch rules; the page does not publish a dedicated checklist
Related official documents
SBI Retail Domestic Term Deposit Ratesofficial-rate-table · current · accessed 12 Aug 2026
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