SBI FD Calculator

SBI FD rates vary by tenure. As of 2025, general rates range from 3.5% (7-45 days) to 6.5-7.1% (1-10 years). Senior citizens get an additional 0.50% on most tenures. Rates change periodically.

SBI compounds Fixed Deposit interest quarterly by default. This means interest is calculated and added to the principal every 3 months, resulting in higher effective returns than simple interest.

SBI is a government-owned bank, making it one of the safest places for FDs in India. DICGC insurance covers deposits up to ₹5 lakh per depositor per bank in case of bank failure.