What is the current highest SBI FD interest rate for 2026?

The highest SBI FD interest rate is 6.40% for regular citizens and 7.05% for senior citizens.

What is SBI FD interest rate for 1-year deposit?

SBI offers 6.25% on 1 year FD to regular citizens and 6.75% to senior citizens.

Can I deposit money in an FD account?

Once you book an FD, you cannot deposit additional funds into your existing FD. However, you can book another FD for a specific tenure at the applicable interest rate with the extra funds.

Which FD is good in SBI?

You can opt for SBI 444 scheme if you wish to earn the highest interest rates in SBI. General citizens get returns at 6.45%, while senior citizens get returns at 6.95%.

Which is better, post office FD or SBI FD?

Post office FDs are good if you are sure that you would not have any financial emergency for the duration of your deposit. You can earn up to 7.50% interest. SBI FD, however, gives you an option to prematurely withdraw your FD, catering to your urgent financial needs.

Can I deposit money in an FD account?

Once you book an FD, you cannot deposit additional funds into your existing FD. However, you can book another FD for a specific tenure at the applicable interest rate with the extra funds.

What is the minimum amount to avail SBI online fixed deposit interest rates?

The minimum amount to avail SBI online fixed deposit interest rates is ₹1,000. You can book an FD with Stable Money-partnered banks with the same amount to get higher interest rates of up to 8.00%.

What is SBI FD interest rate for 5-year tax-saving FD?

SBI 5-year tax-saver FD offers 6.05 to regular citizens and 7.05 to senior citizens.

What is SBI FD interest rate for senior citizens in 2026?

SBI offers 3.55% to 7.05% to senior citizens for tenure ranging from 7 days to 10 yeras.

What is the SBI FD interest rate for 444-day Amrit Vrishti scheme?

SBI amrit vrishti scheme offers 6.45% to regular citizens and 6.95% for senior citizens.

How does TDS work on SBI FD interest?

TDS on SBI FD interest is 10% (20% without PAN card) if the interest income increases from 50,000 for regular citizens and 1,00,000 for senior citizens. Below this threshold limit, no TDS is applied.

Can NRIs open SBI FD and what are the interest rates?

Yes, NRI can open SBI FD accounts as the bank offers both NRE and NRO accounts. NRE account offers fund rates ranging from 6.05% to 6.25% for regular citizens and 6% to 6.25% for senior citizens. NRO account offers FD rates ranging from 3.05% to 6.45% for regular citizens and 4.50% to 6.15% for senior citizens.

How often does SBI change FD interest rates?

There is no such time or frequency set for changes in SBI fd interest rates

Which SBI FD tenure gives the highest interest rates?

You will get the highest interest rates, i.e., 6.45% per annum on your SBI FD if you keep the amount for 444 or more days.

SBI Fixed Deposit Interest Rates 2026: Compare SBI FD Rates

Name: SBI Fixed Deposit Interest Rates 2026
Brand: Interest Rates
Rating: 4.8 (8362 reviews)

SBI online FD interest rates vary based on tenure and citizenship status. Senior citizens receive higher interest rates than regular citizens, and super senior citizens enjoy even better rates.

SBI offers the latest SBI Fixed Deposit (FD) interest rates for both regular and senior citizens, along with details of special deposit schemes such as Amrit Vrishti 444 Days, SBI We-Care, SBI Patrons, and Green Rupee Term Deposit. Whether you’re looking for short-term liquidity or long-term secure returns.

Continue reading to explore tenure-wise FD rates, eligibility, benefits, and everything you need to make a smarter investment decision with India’s largest bank.

Key Highlights

Highest SBI FD rate (general) is 6.40% (for tenure 2 years to < 3 years)

Highest SBI FD rate (senior / super-senior) is 7.05% (for 5 to 10 years tenure)

SBI offers tenure ranging from 7 days to 10 years

Minimum deposit is ₹1,000 and No maximum limit specified

SBI offers special FD schemes like Amrit Vrishti 444 Days, SBI We-Care (for senior citizens), SBI Patrons and Green Rupee Term Deposit.

Premature withdrawal penalty is: 0.50% for deposits below ₹5 lakh & 1% for deposits of ₹5 lakh and above

Loan against FD is available up to 90% of deposit value

SBI Fixed Deposit Rates for General and Senior Citizens

SBI offers fixed deposit rates below and above 3 crore for general and senior citizens. Latest SBI FD rates are mentioned below-

SBI FD options vary for multiple tenures starting with 7 days and going up to 10 years. The highest return is offered at 6.40% for a tenure starting 2 years to less than a day to 3 years. The senior citizens get 7.05% interest on FD booked for a period between 5 years and 10 years.

Check out SBI NRI FD Rates Here

Latest SBI FD Rates Above 3 Crore

Tenure	General Citizens	Senior Citizens
7 days to 14 days	4.50	5.00
15 days to 45 days	5.00	5.50
46 days to 179 days	5.10	5.60
180 days to 210 days	5.60	6.10
211 days to less than 1 year	5.60	6.10
1 year to less than 2 years	6.25	6.75
2 years to less than 3 years	6.15	6.65
3 years to less than 5 years	6.00	6.50
5 years and up to 10 years	6.00	6.50

Term Wise SBI Fixed Deposit Rates

	Tenure	General Citizens	Senior citizens
Short-term	7 days -1 years	3.05 - 5.90	3.55 - 6.40
Medium-term	1-5 years	6.25 - 6.30	6.75 - 6.80
Long-term	5-10 years	6.05	7.05

The State Bank of India offers fixed deposits for multiple tenures, i.e. short term, mid term and long term fixed deposits. Here are the details for your reference:

Short Term FD: You can book an FD with SBI starting from 7 days going up to one year with interest rates ranging between 3.05% and 5.90% for regular citizens. If you are a senior citizen, the interest rates lie between 3.55% and 6.40%.
Mid Term FD: You can also book FD 1 year to less than 5 years with interest rates being 6.25% - 6.30% for general citizens and 6.75% - 6.80% for senior citizens.
Long Term FD: Next, you have the option to book an FD for 5 years to 10 years with interest rates being 6.05% for general citizens and 7.05% for senior citizens.

Find SBI FD Rates for Senior Citizens Here.

SBI FD Interest Rates for Senior Citizens & Super Senior Citizens (2026)

Tenure	Senior Citizens	Super Senior Citizens
7 days to 45 days	3.55	4.15
46 days to 179 days	5.40	6.00
180 days to 210 days	6.15	6.75
211 days to less than 1 year	6.40	7.00
1 year to less than 2 years	6.75	7.30
2 years to less than 3 years	6.90	7.50
3 years to less than 5 years	6.80	7.40
5 years and up to 10 years	7.05	7.65

The State Bank of India offers additional interest to senior and super senior citizens. Here are the details for your reference:

Senior citizens (aged 60+) automatically get 50 basis points (0.50%) extra over the regular FD rates as a standard benefit across eligible tenures.
Senior citizens get an additional 50 bps under SBI We-Care Scheme for long-term FDs of 5 years to 10 years and above the normal senior citizen benefit.
Super seniors (aged 80+ years) receive an additional 0.10% (10 basis points) on top of the senior citizen rate giving them the highest FD returns at SBI.

Special SBI FD Schemes in 2026

SBI Amrit Vrishti (444 Days)

SBI Amrit Vrishti is a special retail term deposit scheme offering a high interest rate for a unique 444-day tenure. Regular citizens earn 6.45% p.a., while senior citizens enjoy 6.95% p.a. returns. It is available for domestic and NRI rupee deposits below ₹3 crore and supports both new and renewal deposits. Customers can choose monthly, quarterly, or maturity payouts, and loan and premature withdrawal facilities are available as per bank rules.

SBI We-Care Deposit Scheme

The SBI We-Care scheme is aimed exclusively at protecting the income of senior citizens. Under this scheme, senior citizen FDs with a 5–10 year tenure get an additional 0.30% interest on top of the existing 0.50% senior benefit providing a total 80 bps higher rate than regular customers. It ensures secure long-term earnings, offers loan availability, and is accessible across branches, Internet Banking, and YONO.

SBI Patrons Scheme (for Super Senior Citizens)

SBI Patrons is designed especially for super senior citizens aged 80+ years. They receive an extra 0.10% (10 bps) over the senior citizen rate, recognizing their loyalty and financial needs. Available for 7 days to 10 years tenures, retail deposits below ₹3 crore, and callable TDR/STDR products, this scheme ensures enhanced financial comfort with standard premature withdrawal and loan facilities.

SBI Green Rupee Term Deposit

SBI Green Rupee Term Deposit mobilizes funds exclusively for financing green projects to support India’s environmental initiatives. It is available for residents, non-individuals, and NRIs, with minimum ₹1,000 and no upper limit. Customers can choose tenures of 1111, 1777, or 2222 days, at competitive interest rates for both retail and bulk segments. Premature withdrawal and loan-against-deposit are permitted as per standard guidelines, and deposits can be opened via branches, Internet Banking, and YONO.

Non-Callable Term Deposits (Retail & Bulk)

SBI also offers non-callable term deposits for customers seeking higher assured returns without the option of premature withdrawal. Retail (₹1.01 crore to < ₹3 crore): Only 1-year and 2-year tenures, with up to 40 bps above card rates. Bulk (₹3 crore & above): Available for 7 days to < 3 years with higher markup rates. These are TDR/STDR products with loan availability, except overdraft, and early closure is allowed only under exceptional situations like court/regulator directions or depositor death.

SBI NRE, NRO, FCNR & RFC FD Interest Rates 2026

SBI offers NRE, NRO, FCNR and RFC fixed deposits. Latest interest rates for these fixed deposits are mentioned below-

SBI NRE FD Interest Rates 2026

NRE TERM DEPOSITS	With effect from 15th December 2025	With effect from 15th December 2025
Tenors	Below Rs.3 Crore	Rs.3 Crore & above
1 year to less than 2 years	6.25%	6.25%
444 Days (AMRIT VRISHTI)	6.45%	- -
2 years to less than 3 years	6.30%	6.15%
3 years to less than 5 years	6.30%	6.00%
5 years to 10 years	6.05%	6.00%

SBI NRO FD Interest Rates 2026

NRO TERM DEPOSITS	With effect from 15th December 2025	With effect from 15th December 2025
Tenors	Below Rs.3 Crore	Rs.3 Crore & above
7 days to 14 days	3.05%	4.50%
15 days to 45 days	3.05%	5.00%
46 days to 179 days	4.90%	5.10%
180 days to 210 days	5.65%	5.60%
211 days to less than 1 year	5.90%	5.60%
1 year to less than 2 years	6.25%	6.25%
444 Days (AMRIT VRISHTI)	6.45%	--
2 year to less than 3 years	6.40%	6.15%
3 years to less than 5 years	6.30%	6.00%
5 years and up to 10 years	6.05%	6.00%

SBI RFC FD Interest Rates 2026

PERIOD	USD	GBP	EURO
1 year to less than 2 years	4.70	4.25	2.75
2 years to less than 3 years	3.85	4.20	1.25
3 years	3.65	3.25	1.25

SBI FCNR FD Interest Rates 2026

CURRENCY	USD		GBP		EURO		CAD		AUD		JPY
PERIOD OF THE DEPOSIT	RATE	YIELD*	RATE	YIELD*	RATE	YIELD*	RATE	YIELD*	RATE	YIELD*	RATE	YIELD*
1 year	4.70	4.77	4.25	4.31	2.75	2.79	2.97	3.01	3.75	3.80	0.40	0.41
Above 1 year to less than 2 years	4.70	4.94	4.25	4.45	2.75	2.85	2.97	3.08	3.75	3.91	0.40	0.41
2 years to less than 3 years	3.85	4.10	4.20	4.49	1.25	1.29	2.72	2.86	3.65	3.88	0.40	0.41
3 years to less than 4 years	3.65	3.95	3.25	3.49	1.25	1.30	2.47	2.62	3.55	3.84	0.40	0.41
4 years to less than 5 years	3.25	3.55	3.15	3.43	1.25	1.30	2.52	2.71	3.45	3.79	0.30	0.31
5 years	3.35	3.67	3.05	3.32	1.25	1.30	2.57	2.76	3.35	3.67	0.30	0.31

Benefits of SBI Fixed Deposit Rates

There are several benefits of opting for SBI fixed deposit schemes. Some of these are mentioned here:

Government-Backed Brand Trust

Being the largest public sector bank, SBI has around 55.50% ownership of the Government of India. This government-backed trust makes it the best banking network for financial transactions, including FD and related services.

Wider Branch Access

SBI has a nationwide and extensive network of around 22500 branches all across India. Due to this, it is the most accessible bank. In all these branches, you can utilise the Core Banking Solutions (CBS) for money withdrawal and cash deposits.

YONO/NetBanking Access

YONO SBI mobile app and net banking are accessible 24/7. You can easily manage your account, pay bills, invest, and transfer funds through it. Along with this, you can also manage, open, and close your FDs through these platforms.

Loan Against FD

SBI provides an overdraft or a loan against FDs. It can be up to 90% of the overall deposit value. This means you can access funds without closing your FDs. Along with this, the rate of interest on such loans is around 1% or above. Individual FDs, joint FD holders, and even NRI FDs are eligible for this.

Special Senior Citizen Options

SBI is one of the financial institutions that offer special offers for senior citizens who are 60+ years old. It offers 0.50% more interest than regular ones for the FDs for a tenure of 7 days to up to 10 years. Some special options include SBI Amrit Vrishti, SBI We Care, SBI Patrons, and more.

Eligibility to Avail SBI Fixed Deposit Rates

Here are the eligibility criteria to avail SBI online fixed deposit interest rates:

Resident Indian
Partnership firms
Societies and Trusts
Private and Public limited companies
HUF (Hindu Undivided Families)
Non-resident Indians and Persons of Indian Origin

Documents Required to Avail SBI Fixed Deposit Rates

You need the following documents to avail online SBI FD interest rates:

Passport size photographs
Identity and address proof (PAN card, Aadhaar card, voter ID card, driving license, passport)

You can open FD with Stable Money-partnered banks with these documents for higher FD interest rates!

Premature Withdrawal of SBI Fixed Deposit

SBI allows premature withdrawal of fixed deposits; however, a penalty applies to the effective interest rate. The penalty for FDs of less than ₹5 lakh is typically 0.50%, while for FDs of ₹5 lakh and above, the penalty is generally 1%. After the penalty is applied, the bank credits the principal and the revised interest to your account.

Tax on SBI Fixed Deposit Interest

The interest income from SBI fixed deposit is taxable, similar to FDs of other banks, as per the Income Tax Act, 1961. However, if your total interest income during a specific financial year is less than ₹50,000 for regular citizens and ₹1,00,000 for senior citizens, no TDS (Tax Deducted at Source) applies. If the interest-earning exceeds the mentioned threshold, a 10% TDS applies with PAN details submitted (20% TDS without PAN details).

SBI Overdraft Against Fixed Deposits

SBI offers the facility of drawing an overdraft loan on your fixed deposit account. You can get up to 90% of the principal deposit amount as an overdraft.

SBI FD Calculator

You can calculate your returns on the State Bank of India fixed deposit by entering your principal amount, interest rate, tenure and citizen type in the SBI FD calculator below:

How to Open SBI FD in 2026 Online & Offline

You can open FD account in SBI easily both online and offline as per the steps mentioned below-

Open SBI FD through NetBanking

Visit SBI netbanking portal
Log in using Login ID and password.
Next click on deposit scheme tab
Click on term deposit option
Choose the FD you want to open
Now, click on proceed
Enter details required with nominee details and then continue
Enter FD principal amount
If above 60 years, click on the senior citizen option
Choose the maturity date
Accept the terms and conditions
At last, click submit to open an account.
Now, the FD amount will be deducted and FD opening details will be visible on the screen.

Open SBI FD through YONO

Download and open SBI Yono App
Login using the login ID and password.
Go to Deposits then click on Fixed Deposits
Next click on Open Fixed Deposits'.
Enter the amount you want to invest.
Accept the terms and conditions
Click on submit and the account opening is processed
Now, the FD amount will be deducted and FD opening details will be visible on the screen.

Open SBI FD at Branch

You can open an SBI FD account by visiting your nearest bank branch. You can ask for an FD opening form, fill out the form with required details and submit it to the bank.

Compare SBI FD Interest Rates with Other Banks

Tenure	SBI	HDFC Bank	ICICI Bank	Axis Bank	Kotak Mahindra Bank
1 year	6.25% - 6.75%	6.25% - 6.75%	6.25% - 6.75%	6.25% - 6.75%	6.00% - 6.50%
2 years	6.40% - 6.90%	6.45% - 6.95%	6.45% - 6.95%	6.45% - 6.95%	6.70% - 7.20%
3 years	6.30% - 6.80%	6.45% - 6.95%	6.45% - 6.95%	6.45% - 6.95%	6.40% - 6.90%
4 years	6.30% - 6.80%	6.50% - 7.00%	6.50% - 7.10%	6.45% - 6.95%	6.40% - 6.90%
5 years	6.05% - 7.05%	6.15% - 6.65%	6.50% - 7.10%	6.45% - 7.20%	6.25% - 6.75%

Why Should You Book an FD with Stable Money?

Choosing Stable Money helps you earn higher interest income from partnered bank FDs. In addition, you do not need to open a savings account to book an FD with our partnered banks and NBFCs.

These FDs are insured under Deposit Insurance Credit Guarantee Corporation (DICGC) up to ₹5 lakh based on Reserve Bank of India (RBI) guidelines. Upon booking, you will receive an FD certificate, which will ensure transparency and security.

Download Stable Money app and earn highest interest rate of up to 8.30%