FD rate tweak: SBI cuts rates on select short-term deposits; check what's changed in latest fixed deposit rates table
Revised FD rates for general citizens
SBI has reduced FD rates for three short-term tenures. According to an ET report, for deposits maturing in 46 to 179 days, the rate has been cut from 5.05% to 4.90%. For 180 to 210 days, the new rate is 5.65%, down from 5.80%. Deposits with tenures of 211 days to less than 1 year will now earn 5.90%, compared to the earlier 6.05%.
FD rate cut also applies to senior citizens
Senior citizens will see a parallel 15 bps cut on the same short-term tenures. For 46 to 179 days, the interest rate is now 5.40%, down from 5.55%.
Tenures from 180 to 210 days will now fetch 6.15%, while FDs of 211 days to less than 1 year have been reduced to 6.40% from the earlier 6.55%.
Updated SBI FD interest rate chart (as of July 15, 2025)
Tenors
Existing rates for public (as of June 15, 2025)
Revised rates for public (as of July 15, 2025)
Existing rates for senior citizen (as of June 15, 2025)
Revised rates for senior citizen (as of July 15, 2025)
7 days to 45 days
3.05%
3.05%
3.55%
3.55%
46 days to 179 days
5.05%
4.90%
5.55%
5.40%
180 days to 210 days
5.80%
5.65%
6.30%
6.15%
211 days to less than 1 year
6.05%
5.90%
6.55%
6.40%
1 year to less than 2 years
6.25%
6.25%
6.75%
6.75%
2 years to less than 3 years
6.45%
6.45%
6.95%
6.95%
3 years to less than 5 years
6.30%
6.30%
6.80%
6.80%
5 years and up to 10 years
6.05%
6.05%
7.05%*
7.05%*
*Includes additional premium of 50 bps under the 'SBI We-care' deposit scheme.
Source: ET report
Super senior citizens get added benefit
Under the SBI Patrons scheme, super senior citizens (aged 80 years and above) are eligible for an additional 10 bps over the applicable senior citizen FD rates. This benefit is not applicable to schemes such as Recurring Deposit Scheme, Green Rupee Term Deposit, Tax Savings Scheme 2006, MODS, Capgain Scheme, and Non-Callable Term Deposits.
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Special scheme: Amrit Vrishti FD
SBI also continues to offer the Amrit Vrishti fixed deposit scheme with a tenure of 444 days. The interest rate on this deposit is 6.60% for general customers as of June 15, 2025. For senior citizens, the interest rate is 7.10%, while super senior citizens receive 7.20%.
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