State Bank of India (SBI) is a Fortune 500 company and an Indian public sector bank. With an asset base of more than ₹61 trillion, the organisation serves 50 crore+ customers PAN India.
As of August 14, 2025, SBI is offering the highest interest rate of 6.45% p.a. to regular customers for a tenure of 2-3 years and 7.05% p.a. to senior citizens for a tenure of 5-10 years under the “Retail Domestic Term Deposit” scheme.
Whereas in the “Non-Callable Term Deposit Retail” scheme, regular investors can earn 6.85% p.a., and senior citizens can earn 7.35% p.a., both for a tenure of 2 years. The interest rates are subject to change. Please check the latest rates before investing.
So, want to invest? Read this article till the end to know about the latest SBI FD rates 2025 for both regular customers and senior citizens under its various FD schemes.
Latest SBI FD rates 2025 – For Regular Customers
For customers below 60 years, SBI offers a “Retail Domestic Term Deposit Scheme”. It comes with flexible tenures ranging from 7 days to 10 years. The scheme also allows premature withdrawal (subject to applicable penalties), which lets you access your funds in case of urgent needs or emergencies.
For your reference, below are the latest SBI FD rates 2025:
| Tenor | Existing Rate (w.e.f. 15/06/2025) | Revised Rate (w.e.f. 15/07/2025) |
| 7 days to 45 days | 3.05% | 3.05% |
| 46 days to 179 days | 5.05% | 4.90% |
| 180 days to 210 days | 5.80% | 5.65% |
| 211 days to less than 1 year | 6.05% | 5.90% |
| 1 year to less than 2 years | 6.25% | 6.25% |
| 2 years to less than 3 years | 6.45% (highest) | 6.45% (highest) |
| 3 years to less than 5 years | 6.30% | 6.30% |
| 5 years to up to 10 years | 6.05% | 6.05% |
Note: The above SBI fixed deposit rates are valid as of August 14, 2025. The rates are subject to change. Please check the latest interest rates before investing.
Latest SBI FD Rates for Senior Citizens 2025
If you are 60 years or above, SBI offers a 0.50% higher interest rate compared to regular customers. However, if you choose to invest for 5 to 10 years, you become eligible for the “SBI We-care” deposit scheme. In this scheme, you get an additional 0.50% premium over and above the senior citizens’ FD rate.
For example, as of August 14, 2025, the normal rate for a 5-10 year tenure is 6.05%. Now, under the SBI We-care deposit scheme, you earn 7.05% p.a. [6.05% (regular rate) + 0.50% (senior citizen benefit) + 0.50% (SBI We-care scheme benefit)]. This gives you a total benefit of 1.00% p.a. over the FD rate offered to general customers.
For more clarity, check out the latest SBI FD rates 2025:
| Tenor | Existing Rate (w.e.f. 15/06/2025) | Revised Rate (w.e.f. 15/07/2025) |
| 7 days to 45 days | 3.55% | 3.55% |
| 46 days to 179 days | 5.55% | 5.40% |
| 180 days to 210 days | 6.30% | 6.15% |
| 211 days to less than 1 year | 6.55% | 6.40% |
| 1 year to less than 2 years | 6.75% | 6.75% |
| 2 years to less than 3 years | 6.95% | 6.95% |
| 3 years to less than 5 years | 6.80% | 6.80% |
| 5 years to up to 10 years | 7.05% (highest) | 7.05% (highest) |
Note: The above SBI fixed deposit rates are valid as of August 14, 2025. They are inclusive of a 0.50% p.a. or 1.00% p.a. bonus rate (wherever applicable). The rates are subject to change. Please check the latest interest rates before investing.
Latest SBI FD rates 2025 – Non-Callable Deposits
If you are a high-net-worth individual (HNI), SBI runs a special “Non-Callable Term Deposit Retail” scheme. In this FD plan, the minimum deposit you can make is ₹1.01 crore, and the maximum amount you can invest must be less than ₹3.00 crore.
However, when you invest in this FD scheme, you cannot prematurely withdraw your funds before maturity. Due to this additional condition, the bank offers slightly higher interest rates than the regular card rates. Also, senior citizens are eligible for the 0.50% bonus rate.
For a better understanding, check out the latest SBI FD rates 2025:
| Tenor | Additional Rate Over Card Rate | General Public | Senior Citizen |
| 1 Year | 0.30% | 6.55% | 7.05% |
| 2 Years | 0.40% | 6.85% | 7.35% |
Note: The above SBI fixed deposit rates are valid as of August 14, 2025. The rates are subject to change. Please check the latest interest rates before investing.
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Some Other SBI FD Schemes
In addition to the Retail Domestic Term Deposit and Non-Callable FD schemes, SBI also offers Amrit Vrishti and Green Rupee Term Deposit schemes. The interest rates for these special FDs are different from regular FD rates.
Let’s take a closer look at each of these schemes in detail:
1. Amrit Vrishti Scheme
The Amrit Vrishti Scheme is a special fixed deposit offered by SBI with a specific term of 444 days. It was earlier paying 6.85%, but from June 15, 2025, the rate has been reduced to 6.60% for the general public. Senior citizens are eligible for an additional benefit of 0.50% p.a. on top of this rate.
2. SBI Green Rupee Term Deposit
The SBI Green Rupee Term Deposit is another special scheme introduced to encourage eco-conscious investing. It is available for unique fixed terms of:
- 1111 days
- 1777 days
- 2222 days
However, the interest rate offered is 0.10% lower than the regular card rate for the same tenure.
Key Features of SBI Fixed Deposit Rates
SBI provides an additional bonus to super senior citizens, which is on top of the premium offered to senior citizens. However, these benefits are not universal, and certain deposit schemes do not offer the extra percentage.
Let’s understand in detail:
1. Extra Benefit for Super Senior Citizens (80+)
SBI recognises the needs of its oldest customers! Those aged 80 years and above are eligible for an additional 0.10% interest over the rate applicable to senior citizens. This takes their total bonus rate to 0.60% p.a. (0.50% + 0.10%). To calculate their returns, super senior citizens can add the bonus 0.60% rate to the regular FD rate card.
However, for the SBI We-care deposit scheme, their total bonus rate is 1.10% p.a. [6.05% (regular rate) + 0.50% (senior citizen benefit) + 0.50% (SBI We-care scheme benefit) + 0.10% (super senior citizen benefit)]. The interest rate they can get under this scheme is 7.15% p.a. for a tenure of 5-10 years.
2. Schemes Where These Benefits Don’t Apply
The additional interest benefits given to senior and super senior citizens are not available across all deposit schemes. They are excluded from:
- Recurring Deposits
- The Green Rupee Term Deposit
- The Tax Savings Scheme 2006
- The MODS (Multi-Option Deposit Scheme)
- The Capgain Scheme
FD investors in these products will receive only the standard card rate, without any extra percentage.
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SBI is the 47th largest bank in the world (by total assets) and the only Indian bank in the Fortune Global 500 (2024) list. It is regulated by the Reserve Bank of India (RBI) and all its deposits are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to ₹5 lakhs.
As of August 14, 2025, SBI offers up to 6.45% p.a. for regular customers and 7.15% p.a. for senior citizens under the Retail Domestic Term Deposit scheme, while the Non-Callable Retail scheme offers up to 6.85% p.a. and 7.35% p.a., respectively.
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SBI FD Rates FAQs
1. What are the highest SBI FD rates in 2025?
As of August 14, 2025, the highest SBI fixed deposit rates for regular customers are as follows:
| Scheme | Regular Customers | Senior Citizens |
| Retail Domestic Term Deposit | 6.45% p.a. (for a tenure of 2 to 3 years) | 7.05% (for a tenure of 5 to 10 years) (inclusive of SBI We-care FD scheme bonus rate) |
| Non-callable Fixed Deposit | 6.85% p.a. (for a tenure of 2 years) | 7.35% p.a.(for a tenure of 2 years) |
| Amrit Vrishti (444 days) | 6.60% p.a. | 7.10% p.a. |
2. What extra benefit do super senior citizens get?
Super senior citizens (80 years and above) receive an additional 0.10% p.a. over and above the senior citizen rate. This means their total bonus rate is 0.60% p.a. higher than the regular customer rate.
3. What is the interest rate for SBI Green Rupee Term Deposit?
The SBI Green Rupee Term Deposit is a special scheme that supports environmentally friendly initiatives. As of August 14, 2025, the interest rate offered in this scheme is 0.10% p.a. less than the regular card rate. Also, this scheme does not offer senior and super senior citizens additional bonus rates.
4. Can I withdraw my SBI FD before maturity?
Yes, apart from the non-callable fixed deposit scheme, SBI allows premature withdrawal, subject to a penalty. The penalty generally ranges from 0.50% to 1%.
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Disclaimer: This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the securities market are subject to market risks. Read all the offer-related documents carefully before investing.
Fixed Deposit schemes are offered by the State Bank of India, which is regulated by the Reserve Bank of India. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.
