{"id":9745,"date":"2025-08-25T05:45:17","date_gmt":"2025-08-25T05:45:17","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=9745"},"modified":"2026-04-14T11:53:55","modified_gmt":"2026-04-14T11:53:55","slug":"sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/","title":{"rendered":"SBI Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">State Bank of India (SBI) is a Fortune 500 company and an Indian public sector bank. With an asset base of more than \u20b961 trillion, the organisation serves 50 crore+ customers PAN India.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For the State Bank of India (SBI) latest FD interest rates and special short-term offers for November 2026, refer to official sources as rates are subject to periodic revision.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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 \u201cRetail Domestic Term Deposit\u201d scheme.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whereas in the \u201cNon-Callable Term Deposit Retail\u201d 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. <\/span><i><span style=\"font-weight: 400;\">The interest rates are subject to change. Please check the latest rates before investing.\u00a0<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">Note that the State Bank of India (SBI) latest FD interest rates and special short-term offers for november 2026 provide a detailed summary of ongoing schemes like Amrit Vrishti (444 days) on the bank&#8217;s site.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So, want to invest? Read this article till the end to know about the latest <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposit\/sbi-fd-interest-rates\"><span style=\"font-weight: 400;\">SBI FD rates<\/span><\/a><span style=\"font-weight: 400;\"> 2025 for both regular customers and senior citizens under its various FD schemes.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Check SBI interest rates 2026 and SBI FD chart 2026 for visual tenor-wise breakdowns on authorised platforms.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#Latest_SBI_FD_rates_2025_%E2%80%93_For_Regular_Customers\" >Latest SBI FD rates 2025 \u2013 For Regular Customers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#Latest_SBI_FD_Rates_for_Senior_Citizens_2025\" >Latest SBI FD Rates for Senior Citizens 2025<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#Latest_SBI_FD_rates_2025_%E2%80%93_Non-Callable_Deposits\" >Latest SBI FD rates 2025 \u2013 Non-Callable Deposits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#Some_Other_SBI_FD_Schemes\" >Some Other SBI FD Schemes\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#1_Amrit_Vrishti_Scheme\" >1. Amrit Vrishti Scheme<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#2_SBI_Green_Rupee_Term_Deposit\" >2. SBI Green Rupee Term Deposit<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#Key_Features_of_SBI_Fixed_Deposit_Rates\" >Key Features of SBI Fixed Deposit Rates<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#1_Extra_Benefit_for_Super_Senior_Citizens_80\" >1. Extra Benefit for Super Senior Citizens (80+)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#2_Schemes_Where_These_Benefits_Dont_Apply\" >2. Schemes Where These Benefits Don\u2019t Apply<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#Invest_in_Popular_Bank_and_Corporate_FDs_With_GoldenPi_Online\" >Invest in Popular Bank and Corporate FDs With GoldenPi Online!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#SBI_FD_Rates_FAQs\" >SBI FD Rates FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#1_What_are_the_highest_SBI_FD_rates_in_2025\" >1. What are the highest SBI FD rates in 2025?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#2_What_extra_benefit_do_super_senior_citizens_get\" >2. What extra benefit do super senior citizens get?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#3_What_is_the_interest_rate_for_SBI_Green_Rupee_Term_Deposit\" >3. What is the interest rate for SBI Green Rupee Term Deposit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#4_Can_I_withdraw_my_SBI_FD_before_maturity\" >4. Can I withdraw my SBI FD before maturity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#5_What_are_the_steps_to_buy_bonds_in_India\" >5. What are the steps to buy bonds in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#6_Does_GoldenPi_have_a_mobile_app_for_investing\" >6. Does GoldenPi have a mobile app for investing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#7_How_can_NRIs_invest_in_bonds_in_India_in_2026\" >7. How can NRIs invest in bonds in India in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/#8_How_to_buy_corporate_bonds_in_India\" >8. How to buy corporate bonds in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Latest_SBI_FD_rates_2025_%E2%80%93_For_Regular_Customers\"><\/span><b>Latest SBI FD rates 2025 \u2013 For Regular Customers<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">For customers below 60 years, <a href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-much-sbi-fd-rates-changed\/\">SBI<\/a> offers a \u201cRetail Domestic Term Deposit Scheme\u201d. 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For your reference, below are the latest SBI FD rates 2025:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><b>Tenor<\/b><\/td>\n<td><b>Existing Rate (w.e.f. 15\/06\/2025)<\/b><\/td>\n<td><b>Revised Rate (w.e.f. 15\/07\/2025)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">7 days to 45 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.05%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.05%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">46 days to 179 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.05%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.90%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">180 days to 210 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.80%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.65%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">211 days to less than 1 year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.05%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.90%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1 year to less than 2 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.25%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.25%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2 years to less than 3 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.45% (highest)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.45% (highest)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3 years to less than 5 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.30%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.30%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5 years to up to 10 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.05%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.05%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">The State Bank of India (SBI) latest FD interest rates and special short-term offers for November 2026 provide a detailed summary on schemes with tenures under 1 year.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Latest_SBI_FD_Rates_for_Senior_Citizens_2025\"><\/span><b>Latest SBI FD Rates for Senior Citizens 2025<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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\u00a0 \u201cSBI We-care\u201d deposit scheme. In this scheme, you get an additional 0.50% premium over and above the senior citizens\u2019 FD rate.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For more clarity, check out the latest SBI FD rates 2025:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><b>Tenor<\/b><\/td>\n<td><b>Existing Rate (w.e.f. 15\/06\/2025)<\/b><\/td>\n<td><b>Revised Rate (w.e.f. 15\/07\/2025)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">7 days to 45 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.55%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.55%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">46 days to 179 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.55%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5.40%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">180 days to 210 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.30%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.15%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">211 days to less than 1 year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.55%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.40%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1 year to less than 2 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.75%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.75%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2 years to less than 3 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.95%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.95%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3 years to less than 5 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.80%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.80%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5 years to up to 10 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.05% (highest)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.05% (highest)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Latest_SBI_FD_rates_2025_%E2%80%93_Non-Callable_Deposits\"><\/span><b>Latest SBI FD rates 2025 \u2013 Non-Callable Deposits<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you are a high-net-worth individual (HNI), SBI runs a special \u201cNon-Callable Term Deposit Retail\u201d scheme. In this <a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/\">FD<\/a> plan, the minimum deposit you can make is \u20b91.01 crore, and the maximum amount you can invest must be less than \u20b93.00 crore.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For a better understanding, check out the latest SBI FD rates 2025:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><b>Tenor<\/b><\/td>\n<td><b>Additional Rate Over Card Rate<\/b><\/td>\n<td><b>General Public<\/b><\/td>\n<td><b>Senior Citizen<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1 Year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0.30%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.55%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.05%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2 Years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0.40%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.85%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.35%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">For SBI FD 2026 details and SBI fixed deposit interest rates 2026, visit the official SBI portal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are looking to <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\"><span style=\"font-weight: 400;\">invest in FDs online<\/span><\/a><span style=\"font-weight: 400;\">, you can visit the <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\"><span style=\"font-weight: 400;\">GoldenPi platform<\/span><\/a><span style=\"font-weight: 400;\"> and book FDs offered by leading banks and NBFCs from the comfort of your home.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Some_Other_SBI_FD_Schemes\"><\/span><b>Some Other SBI FD Schemes\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s take a closer look at each of these schemes in detail:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Amrit_Vrishti_Scheme\"><\/span><b>1. Amrit Vrishti Scheme<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_SBI_Green_Rupee_Term_Deposit\"><\/span><b>2. SBI Green Rupee Term Deposit<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The SBI Green Rupee Term Deposit is another special scheme introduced to encourage eco-conscious investing. It is available for unique fixed terms of:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">1111 days<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">1777 days<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">2222 days<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">However, the interest rate offered is 0.10% lower than the regular card rate for the same tenure.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Features_of_SBI_Fixed_Deposit_Rates\"><\/span><b>Key Features of SBI Fixed Deposit Rates<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s understand in detail:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Extra_Benefit_for_Super_Senior_Citizens_80\"><\/span><b>1. Extra Benefit for Super Senior Citizens (80+)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><i><span style=\"font-weight: 400;\">SBI recognises the needs of its oldest customers!<\/span><\/i><span style=\"font-weight: 400;\"> 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%). <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposit\/sbi-fd-calculator\"><span style=\"font-weight: 400;\">To calculate<\/span><\/a><span style=\"font-weight: 400;\"> their returns, super senior citizens can add the bonus 0.60% rate to the regular FD rate card.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Schemes_Where_These_Benefits_Dont_Apply\"><\/span><b>2. Schemes Where These Benefits Don\u2019t Apply<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The additional interest benefits given to senior and super senior citizens are not available across all deposit schemes. They are excluded from:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Recurring Deposits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Green Rupee Term Deposit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Tax Savings Scheme 2006<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The MODS (Multi-Option Deposit Scheme)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Capgain Scheme<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">FD investors in these products will receive only the standard card rate, without any extra percentage.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Invest_in_Popular_Bank_and_Corporate_FDs_With_GoldenPi_Online\"><\/span><b>Invest in Popular Bank and Corporate FDs With GoldenPi Online!<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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 \u20b95 lakhs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As of August 14, 2025, SBI offers up to 6.45% p.a. for regular customers and 7.15% p.a. for <a href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/government-bonds-for-senior-citizens\/\">senior citizens<\/a> 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.\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Want to invest in FDs offered by popular small finance banks, like<\/span><\/i><a href=\"https:\/\/goldenpi.com\/fixed-deposit\/suryoday-small-finance-bank-fd-interest-rates\"><i><span style=\"font-weight: 400;\"> Suryoday<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">, Utkarsh, or NBFCs, like Mahindra Finance, <\/span><\/i><a href=\"https:\/\/goldenpi.com\/fixed-deposit\/bajaj-finance-fd-interest-rates\"><i><span style=\"font-weight: 400;\">Bajaj Finserv<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">, and in <\/span><\/i><a href=\"https:\/\/goldenpi.com\/corporate-fixed-deposits\"><i><span style=\"font-weight: 400;\">corporate FDs<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">?<\/span><\/i><span style=\"font-weight: 400;\"> You can easily book them online within minutes through the GoldenPi platform. <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\"><span style=\"font-weight: 400;\">Start your application process from here!<\/span><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"SBI_FD_Rates_FAQs\"><\/span><b>SBI FD Rates FAQs<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_What_are_the_highest_SBI_FD_rates_in_2025\"><\/span><b>1. What are the highest SBI FD rates in 2025?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As of August 14, 2025, the highest SBI fixed deposit rates for regular customers are as follows:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><b>Scheme<\/b><\/td>\n<td><b>Regular Customers<\/b><\/td>\n<td><b>Senior Citizens<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Retail Domestic Term Deposit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.45% p.a. (for a tenure of 2 to 3 years)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.05% (for a tenure of 5 to 10 years) (inclusive of SBI We-care FD scheme bonus rate)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Non-callable Fixed Deposit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.85% p.a. (for a tenure of 2 years)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.35% p.a.(for a tenure of 2 years)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Amrit Vrishti (444 days)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.60% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.10% p.a.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<h3><span class=\"ez-toc-section\" id=\"2_What_extra_benefit_do_super_senior_citizens_get\"><\/span><b>2. What extra benefit do super senior citizens get?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_What_is_the_interest_rate_for_SBI_Green_Rupee_Term_Deposit\"><\/span><b>3. What is the interest rate for SBI Green Rupee Term Deposit?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_I_withdraw_my_SBI_FD_before_maturity\"><\/span><b>4. Can I withdraw my SBI FD before maturity?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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%.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_are_the_steps_to_buy_bonds_in_India\"><\/span><strong>5. What are the steps to buy bonds in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Start by choosing platforms like GoldenPi. Firstly, open an account and complete KYC verification. Then, select the bond as per your liking, and invest with a simple online payment.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Does_GoldenPi_have_a_mobile_app_for_investing\"><\/span><strong>6. Does GoldenPi have a mobile app for investing?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">No, currently GoldenPi does not offer a mobile app for either Android or iOS. However, you can visit the website and browse multiple FD options offered by leading NBFCs and small finance banks.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_How_can_NRIs_invest_in_bonds_in_India_in_2026\"><\/span><strong>7. How can NRIs invest in bonds in India in 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As an NRI, you can invest in Indian bonds through NRE or NRO accounts. All you have to do is visit the GoldenPi platform, first complete your KYC, and then link your existing Demat account. Lastly, browse multiple bond options and make the payment.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_How_to_buy_corporate_bonds_in_India\"><\/span><strong>8. How to buy corporate bonds in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You may visit online bond platforms, like GoldenPi. Here, you can explore multiple corporate bond listings as well as apply to the latest NCD IPOs from leading issuers.\u00a0<\/span><\/p>\n<p><b>________________________________________________________<\/b><\/p>\n<p><b>Disclaimer: <\/b><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fixed Deposit schemes are offered by the State Bank of India, which is regulated by the <\/span><a href=\"https:\/\/www.rbi.org.in\/\"><span style=\"font-weight: 400;\">Reserve Bank of India<\/span><\/a><span style=\"font-weight: 400;\">. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.<\/span><\/p>\n<p>Latest Updated: 13-02-2026<\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What are the highest SBI FD rates in 2025?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"As of 14 August 2025, the highest SBI FD rates are: Retail Domestic Term Deposit \u2013 6.45% p.a. (2 to 3 years) for regular customers and 7.05% p.a. (5 to 10 years, including SBI We-Care scheme benefit) for senior citizens. Non-callable Fixed Deposit \u2013 6.85% p.a. (2 years) for regular customers and 7.35% p.a. (2 years) for senior citizens. Amrit Vrishti (444 days) \u2013 6.60% p.a. for regular customers and 7.10% p.a. for senior citizens.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What extra benefit do super senior citizens get?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Super senior citizens aged 80 years and above receive an additional 0.10% per annum over the senior citizen rate. This makes their total benefit 0.60% per annum higher than the regular customer rate.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the interest rate for SBI Green Rupee Term Deposit?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"As of 14 August 2025, the SBI Green Rupee Term Deposit offers an interest rate that is 0.10% per annum lower than the regular card rate. This scheme does not provide additional benefits for senior or super senior citizens.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I withdraw my SBI FD before maturity?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, SBI allows premature withdrawal of fixed deposits except for non-callable fixed deposits. A penalty is applicable, generally ranging from 0.50% to 1%, depending on the tenure and scheme.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What are the steps to buy bonds in India?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"To buy bonds in India, choose an online bond investment platform, complete account registration and KYC verification, select your preferred bond, and make the investment through an online payment process.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does GoldenPi have a mobile app for investing?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Currently, GoldenPi does not offer a dedicated mobile app for Android or iOS. Investors can access the platform through its website to explore fixed deposits and bond investment options.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How can NRIs invest in bonds in India in 2026?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"NRIs can invest in Indian bonds through their NRE or NRO accounts. They need to complete KYC verification on an online bond investment platform, link their Demat account, explore available bond options, and complete the investment process online.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How to buy corporate bonds in India?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Corporate bonds in India can be purchased through online bond investment platforms. Investors can browse available corporate bond listings, review issuer details, and apply to new NCD IPOs before completing the investment online.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>State Bank of India (SBI) is a Fortune 500 company and an Indian public sector bank. With an asset base of more&hellip;<\/p>\n","protected":false},"author":8,"featured_media":12066,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[220,308],"tags":[309,310,311,312,313],"class_list":["post-9745","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-corporate-fixed-deposit","category-sbi-fd-rates","tag-sbi-fd-rates","tag-sbi-fixed-deposit-rates","tag-sbi-fd-online","tag-sbi-fd-rates-2025","tag-sbi-fd-rates-for-senior-citizens"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SBI Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)<\/title>\n<meta name=\"description\" content=\"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.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SBI Interest Rates on Retail Domestic Term Deposits (Below Rs. 3 crore)\" \/>\n<meta property=\"og:description\" content=\"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.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/\" \/>\n<meta property=\"og:site_name\" content=\"GoldenPi | Blogs\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/goldenpitech\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-25T05:45:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-14T11:53:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/08\/25083656\/SBI-Interest-Rates-on-Retail-Domestic-Term-Deposits-Below-Rs.-3-crore.png\" \/>\n\t<meta property=\"og:image:width\" content=\"731\" \/>\n\t<meta property=\"og:image:height\" content=\"347\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Abhijit Roy, CEO &amp; 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