Key facts
What the official sources publish
Every value below belongs to this exact product. Select a source marker to check its context.
Age and customer eligibilityIndividuals, including SBI staff, who have attained age 80 or above; the scheme is presented for resident super-senior citizens
Source 1Joint-account conditionSingle or joint holding is allowed; for a joint deposit, the primary account holder must be at least 80
Source 2Existing term depositsExisting eligible term-deposit customers, including SBI staff, receive the additional interest after attaining age 80 from the scheme launch, based automatically on the date of birth recorded in SBI's core system
Source 3Eligible deposit typeCallable TDR or STDR only
Source 4Deposit amountMinimum ₹1,000 and maximum below ₹3 crore
Source 5Deposit period7 days to 10 years
Source 6Patrons interest premium10 basis points above the card rate applicable to senior citizensEffective 15 Dec 2025
Source 7Current published Patrons rates3.65% for 7-45 days; 5.50% for 46-179 days; 6.25% for 180-210 days; 6.50% for 211 days to under 1 year; 6.85% for 1 to under 2 years; 7.00% for 2 to under 3 years; 6.90% for 3 to under 5 years; 7.15% for 5 to 10 yearsEffective 15 Dec 2025
Source 8Deposits excluded from PatronsRecurring deposits, Green Rupee Term Deposits, SBI Tax Savings Scheme 2006, MODS, Capgain Scheme and non-callable term depositsEffective 15 Dec 2025
Source 9Premature withdrawalAvailable, subject to the penal clause applicable to a normal SBI term deposit
Source 10Benefits and features
- Automatic 10-basis-point premium over the applicable senior-citizen card rate
- Callable TDR and STDR choices from seven days to ten years
- Existing eligible deposits receive the benefit automatically from recorded date-of-birth data
- Single or joint operation with an eligible primary holder
Eligibility
- The customer, or primary holder for a joint deposit, must have attained age 80.
- The benefit is restricted to retail principal below ₹3 crore.
- The scheme is callable only and does not apply to the six explicitly excluded SBI deposit families.
- Existing-deposit automation depends on the correct date of birth in SBI's core banking system.
- The reviewed product page does not publish a dedicated KYC checklist, online application link or numeric premature-withdrawal penalty.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- KYC, age and account-opening documents requested by SBI; the reviewed Patrons page does not publish a dedicated checklist