State Bank of India FD Calculator
6.8% p.a. (quarterly compounding) - Min deposit Rs. 1,000
Principal
Rs. 5.00 lakh
Example: Rs. 5 lakh
Interest Earned
Rs. 1.12 lakh
Over 3 years
Maturity Amount
Rs. 6.12 lakh
at 6.8% p.a.
State Bank of India FD Rates by Tenure
| Tenure | General Rate | Senior Citizen |
|---|---|---|
| 7-45 days | 3.5% | 4% |
| 46-179 days | 5.5% | 6% |
| 180-364 days | 6.25% | 6.75% |
| 1 year | 6.8% | 7.3% |
| 1-2 years | 6.8% | 7.3% |
| 2-3 years | 7% | 7.5% |
| 3-5 years | 6.75% | 7.25% |
| 5-10 years | 6.5% | 7.5% |
Indicative rates. Actual rates may differ - verify with State Bank of India before investing.
State Bank of India FD Maturity - Quick Reference (at 6.8%)
| Principal | 1 yr | 2 yr | 3 yr | 5 yr |
|---|---|---|---|---|
| Rs. 1.00 lakh | Rs. 1.07 lakh | Rs. 1.14 lakh | Rs. 1.22 lakh | Rs. 1.40 lakh |
| Rs. 2.50 lakh | Rs. 2.67 lakh | Rs. 2.86 lakh | Rs. 3.06 lakh | Rs. 3.50 lakh |
| Rs. 5.00 lakh | Rs. 5.35 lakh | Rs. 5.72 lakh | Rs. 6.12 lakh | Rs. 7.00 lakh |
| Rs. 10.00 lakh | Rs. 10.70 lakh | Rs. 11.44 lakh | Rs. 12.24 lakh | Rs. 14.01 lakh |
| Rs. 25.00 lakh | Rs. 26.74 lakh | Rs. 28.61 lakh | Rs. 30.60 lakh | Rs. 35.02 lakh |
Customize your FD calculation
Maturity Amount
₹6.16 L
Total Interest
₹1.16 L
Effective Annual Rate
7.19%
Interest Breakdown
| Period | Interest | Balance |
|---|---|---|
| Q1 (Year 1) | ₹8,750 | ₹5.09 L |
| Q2 (Year 1) | ₹8,903 | ₹5.18 L |
| Q3 (Year 1) | ₹9,059 | ₹5.27 L |
| Q4 (Year 1) | ₹9,217 | ₹5.36 L |
| Q5 (Year 2) | ₹9,379 | ₹5.45 L |
State Bank of India FD - Key Features
- -Largest public sector bank in India
- -DICGC insured up to Rs. 5 lakh
- -Special 400-day Amrit Kalash scheme available
- -Senior citizens get 0.50% additional rate
- -Tax Saving FD (5 years) eligible for 80C deduction
Frequently Asked Questions
What is the State Bank of India FD interest rate in 2026?▾
State Bank of India offers FD interest rates ranging from 3.5% to 7% p.a. for general citizens, depending on the tenure. Senior citizens typically earn 0.50% extra. The most popular 3-year FD earns 6.8% p.a. with quarterly compounding.
How much will Rs. 5 lakh grow in 3 years at State Bank of India?▾
Rs. 5 lakh (Rs. 500,000) invested in a State Bank of India FD for 3 years at 6.8% p.a. (quarterly compounding) will grow to approximately Rs. 6.12 lakh. Total interest earned = Rs. 1.12 lakh.
Is State Bank of India FD safe?▾
State Bank of India FDs are insured by DICGC (Deposit Insurance and Credit Guarantee Corporation) up to Rs. 5 lakh per depositor per bank. This covers both principal and interest. State Bank of India is a well-regulated bank under RBI, making its FDs a very safe investment for amounts within the insurance limit.