State Bank of India Interest Rates & Calculators
Complete guide to State Bank of India interest rates for FD, RD, and loans, plus top credit card comparison. Use our calculators to plan investments better.
Best FD Rate
7.05% p.a.
Home Loan
From 7.5%
State Bank of India FD Rates Overview
State Bank of India currently offers fixed deposit interest rates of up to 6.4% p.a. for the general public, and 7.05% for senior citizens. The full slab-wise SBI rate table is below — use the FD and RD calculators to compute your exact maturity amount.
Calculators & Simulators
SBI Planning & Calculators
Verified rates & instant amortization schedules for deposits, loans, and cards.
Deposits & Savings2 tools
Loans & Borrowing6 tools
SBI Home Loan EMI
Amortization & monthly EMI schedule
From 7.5% p.a.
SBI Personal Loan
Collateral-free flexible financing
From 10%
SBI Car Loan EMI
New passenger vehicle financing
From 8.45% p.a.
SBI Used Car Loan
Certified pre-owned vehicle EMI
From 10.6% p.a.
SBI Two Wheeler Loan
Bike & scooter loan EMI
From 11.85% p.a.
SBI Gold Loan EMI
Instant 18K/22K jewelry liquidity
From 9.2% p.a.
Credit Cards & Privileges1 tool
Latest SBI Interest Rates
Verified rate tables updated as banks revise deposit & loan terms.
Fixed Deposit Rates
Latest interest rates for all tenures. Compare general and senior citizen slabs.
| Type / Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
7 days to 45 days | 3.05% | 3.55% |
46 days to 179 days | 4.9% | 5.4% |
180 days to 210 days | 5.65% | 6.15% |
211 days to less than 1 year | 5.9% | 6.4% |
1 Year to less than 2 years | 6.25% | 6.75% |
2 years to less than 3 years | 6.4% | 6.9% |
3 years to less than 5 years | 6.3% | 6.8% |
5 years and up to 10 yearsHighest Yield | 6.05% | 7.05% |
Recurring Deposit Rates
Latest interest rates for all tenures. Compare general and senior citizen slabs.
| Type / Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
7 days to 45 days | 3.05% | 3.55% |
46 days to 179 days | 4.9% | 5.4% |
180 days to 210 days | 5.65% | 6.15% |
211 days to less than 1 year | 5.9% | 6.4% |
1 Year to less than 2 years | 6.25% | 6.75% |
2 years to less than 3 years | 6.4% | 6.9% |
3 years to less than 5 years | 6.3% | 6.8% |
5 years and up to 10 yearsHighest Yield | 6.05% | 7.05% |
Loan Interest Rates
Verified loan interest rates and processing fees across retail borrowing categories.
| Type / Tenure | Min Rate | Max Rate | Processing Fee |
|---|---|---|---|
Home LoanLowest Starting Rate | 7.5% | 8.8% | Home Loan & Top Up — For Salaried Customer: 0.35% of the loan amount, minimum Rs.5,000/- and maximum of Rs. 15,000/- plus GST. For Non-Salaried Customers: 0.35% of the loan amount, minimum Rs.5,000/- and maximum of Rs. 18,000/- plus GST |
| 10% | 15% | 1.50% of loan amount, min Rs. 1,000, max Rs. 15,000 + GST (Xpress Credit) | |
| 8.45% | 9.5% | Up to Rs. 5 Lakh: Rs. 500 + GST (salaried) / Rs. 750 + GST (non-salaried); Rs. 5-10 Lakh: Rs. 1,000 / Rs. 1,250 + GST; Above Rs. 10 Lakh: Rs. 1,500 / Rs. 2,000 + GST | |
| 9.2% | 10.25% | 0.25% (Rs. 50k-2L, min Rs. 250) / 0.15% (2L-25L, min Rs. 500) / 0.15% (>25L, min Rs. 3,750, max Rs. 7,500) of loan amount + GST, till 31.03.2027 |
Official Card Registry (2026)
SBI Credit Cards (42)
Select any card to explore full rewards, airport lounge access & application benefits.
AURUM SBI Card
super-premium₹9,999/yr1 Pts / ₹100
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KrisFlyer SBI Card Apex
super-premium₹9,999/yr3 Pts / ₹100
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SBI Card ELITE
premium₹4,999/yr2 Pts / ₹100
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SBI Card Miles Elite
premium₹4,999/yr1 Pts / ₹100
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Air India SBI Signature Card
premium₹4,999/yr4 Pts / ₹100
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IndiGo SBI Card ELITE
premium₹4,999/yr2 Pts / ₹100
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KrisFlyer SBI Card
premium₹2,999/yr1 Pts / ₹100
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Landmark Rewards SBI Card PRIME
premium₹2,999/yr2 Pts / ₹100
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SBI Card PRIME
mid₹2,999/yr2 Pts / ₹100
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SBI Card MILES PRIME
mid₹2,999/yr1 Pts / ₹100
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Reliance SBI Card PRIME
mid₹2,999/yr2 Pts / ₹100
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Titan SBI Card
mid₹2,999/yr1.5 Pts / ₹100
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SBI Card PULSE
mid₹1,499/yr2 Pts / ₹100
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SBI Card MILES
mid₹1,499/yr0.5 Pts / ₹100
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BPCL SBI Card OCTANE
mid₹1,499/yr1 Pts / ₹100
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IRCTC SBI Card Premier
mid₹1,499/yr0.8 Pts / ₹100
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Air India SBI Platinum Card
mid₹1,499/yr2 Pts / ₹100
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Tata Neu Infinity SBI Credit Card
mid₹1,499/yr1.5% Cashback
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Apollo SBI Card SELECT
mid₹1,499/yr0.5 Pts / ₹100
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Paytm SBI Card SELECT
mid₹1,499/yr1% Cashback
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Shaurya Select SBI Card
mid₹1,499/yr2 Pts / ₹100
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Doctor's SBI Card
mid₹1,499/yr1 Pts / ₹100
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IndiGo SBI Card
mid₹1,499/yr1 Pts / ₹100
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PhonePe SBI Card SELECT BLACK
mid₹1,499/yr1 Pts / ₹100
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Landmark Rewards SBI Card SELECT
mid₹1,499/yr2 Pts / ₹100
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Doctor's SBI Card (in association with IMA)
mid₹1,499/yr1 Pts / ₹100
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CASHBACK SBI Card
entry₹999/yr1% Cashback
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IRCTC SBI Platinum Card
entry₹500/yr0.8 Pts / ₹100
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Flipkart SBI Card
entry₹500/yr1% Cashback
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SimplyCLICK SBI Card
entry₹499/yr1 Pts / ₹100
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SimplySAVE SBI Card
entry₹499/yr0.167 Pts / ₹100
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BPCL SBI Card
entry₹499/yr1 Pts / ₹100
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Tata Neu Plus SBI Credit Card
entry₹499/yr1% Cashback
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Reliance SBI Card
entry₹499/yr0.25 Pts / ₹100
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Apollo SBI Card
entry₹499/yr0.5 Pts / ₹100
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Paytm SBI Card
entry₹499/yr1% Cashback
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PhonePe SBI Card PURPLE
entry₹499/yr1 Pts / ₹100
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Google Pay Flex SBI Card
entry₹499/yr0.4 Pts / ₹100
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SBI Card Unnati
entry₹499/yr1 Pts / ₹100
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Landmark Rewards SBI Card
entry₹499/yr1 Pts / ₹100
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Eternal SBI Card
entry₹499/yr1% Cashback
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Shaurya SBI Card
entry₹250/yr1 Pts / ₹100
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Why Choose State Bank of India?
Key benefits and features of banking with State Bank of India.
Competitive Rates
Up to 7.05% returns on deposits with attractive rates across short & long tenures.
Bank Security
Government-backed security with DICGC insurance up to ₹5 Lakhs.
Digital Banking
Instant online FD/RD booking, mobile banking apps, and quick digital loans.
Customer Service
Extensive branch & ATM network across India with dedicated support.
Key Features & Perks
Best FD Rate: 7.05% for Senior Citizens
General Rate: 6.4% for all citizens
Min FD Amount: ₹1K only
Min RD Amount: ₹100 monthly
Home Loan Rate: From 7.5%
Personal Loan: From 10%
Senior Citizen Benefit: Additional 0.5% on all tenures
Premature Penalty: Only 1%
Tax Deduction: TDS applicable if interest exceeds ₹50,000 per annum (₹1,00,000 for senior citizens)
Online Banking Available
Loan Against FD: Up to 90%
Largest branch network in India
Government backing and security
Online FD booking available
Competitive interest rates
Easy premature withdrawal
RD rate = Term Deposit (FD) rate for matching tenure (bank T&C: "Rate of Interest as applicable to Term Deposits for Public and Senior Citizens")
Interest rates last updated: Jun 2026
Verify on State Bank of India Official WebsiteMarket Comparison
Compare Rates with Other Banks
Check latest fixed deposit interest rates across peer financial institutions before investing.
