{"id":10533,"date":"2026-02-17T09:25:14","date_gmt":"2026-02-17T09:25:14","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10533"},"modified":"2026-02-17T09:25:15","modified_gmt":"2026-02-17T09:25:15","slug":"sbi-fd-interest-rates-2026-latest-state-bank-of-india-fixed-deposit-rates","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/sbi-fd-interest-rates-2026-latest-state-bank-of-india-fixed-deposit-rates\/","title":{"rendered":"SBI FD Interest Rates 2026 \u2013 Latest State Bank of India Fixed Deposit Rates"},"content":{"rendered":"\n

Looking to invest in a safe and reliable fixed deposit? State Bank of India (SBI) offers a wide range of FD tenures with competitive interest rates for both general and senior citizens.<\/p>\n\n\n\n

Here\u2019s the complete guide to SBI FD interest rates in 2026<\/strong>, including tenure-wise rates, special schemes, tax-saving FD details, and eligibility.<\/p>\n\n\n\n

Quick Summary: SBI Fixed Deposit 2026<\/h2>\n\n\n\n
Feature<\/th>Details<\/th><\/tr><\/thead>
Bank Name<\/td>State Bank of India (SBI)<\/td><\/tr>
Tenure<\/td>7 days to 10 years<\/td><\/tr>
Minimum Deposit<\/td>\u20b91,000 (typically)<\/td><\/tr>
Senior Citizen Benefit<\/td>Extra 0.50% (usually)<\/td><\/tr>
Interest Payout<\/td>Monthly, Quarterly, or Cumulative<\/td><\/tr>
Loan Against FD<\/td>Available<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Rates may change as per RBI guidelines. Always confirm before investing.<\/p>\n\n\n\n

SBI FD Interest Rates 2026 (Below \u20b92 Crore)<\/h1>\n\n\n\n

Regular Fixed Deposit Rates<\/h3>\n\n\n\n
Tenure<\/th>General Public<\/th>Senior Citizens<\/th><\/tr><\/thead>
7 \u2013 45 days<\/td>3.50%<\/td>4.00%<\/td><\/tr>
46 \u2013 179 days<\/td>5.50%<\/td>6.00%<\/td><\/tr>
180 \u2013 210 days<\/td>6.25%<\/td>6.75%<\/td><\/tr>
211 days \u2013 < 1 year<\/td>6.50%<\/td>7.00%<\/td><\/tr>
1 year \u2013 < 2 years<\/td>6.80%<\/td>7.30%<\/td><\/tr>
2 years \u2013 < 3 years<\/td>7.00%<\/td>7.50%<\/td><\/tr>
3 years \u2013 < 5 years<\/td>6.75%<\/td>7.25%<\/td><\/tr>
5 years \u2013 10 years<\/td>6.50%<\/td>7.50% (including additional benefits)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Rates are indicative for 2026 and may vary slightly.<\/p>\n\n\n\n

SBI Special FD Schemes<\/h1>\n\n\n\n

SBI may introduce limited-period special FD schemes offering slightly higher interest for specific tenures (for example, 400 days or special anniversary schemes).<\/p>\n\n\n\n

Check SBI branch or internet banking for active special schemes.<\/p>\n\n\n\n

SBI Tax-Saving FD (5 Years)<\/h1>\n\n\n\n
    \n
  • Lock-in period: 5 years<\/li>\n\n\n\n
  • Eligible for deduction under Section 80C (as per tax rules)<\/li>\n\n\n\n
  • Premature withdrawal: Not allowed<\/li>\n\n\n\n
  • Loan facility: Not available<\/li>\n<\/ul>\n\n\n\n

    Interest is taxable.<\/p>\n\n\n\n

    How to Open SBI FD in 2026<\/h1>\n\n\n\n

    You can open an FD through:<\/p>\n\n\n\n

    SBI YONO App<\/h2>\n\n\n\n
      \n
    1. Login to YONO SBI.<\/li>\n\n\n\n
    2. Select Fixed Deposit<\/strong>.<\/li>\n\n\n\n
    3. Choose tenure and amount.<\/li>\n\n\n\n
    4. Confirm using OTP.<\/li>\n\n\n\n
    5. FD gets created instantly.<\/li>\n<\/ol>\n\n\n\n

      SBI Internet Banking<\/h2>\n\n\n\n
        \n
      1. Login to online SBI.<\/li>\n\n\n\n
      2. Go to Fixed Deposit<\/strong> section.<\/li>\n\n\n\n
      3. Enter deposit amount and tenure.<\/li>\n\n\n\n
      4. Confirm and submit.<\/li>\n<\/ol>\n\n\n\n

        Visit SBI Branch<\/h2>\n\n\n\n
          \n
        • Fill FD application form.<\/li>\n\n\n\n
        • Submit cheque or cash.<\/li>\n\n\n\n
        • Receive FD receipt.<\/li>\n<\/ul>\n\n\n\n

          SBI FD Interest Payout Options<\/h1>\n\n\n\n

          You can choose:<\/p>\n\n\n\n

            \n
          • Monthly interest payout<\/li>\n\n\n\n
          • Quarterly interest payout<\/li>\n\n\n\n
          • Cumulative (interest added to principal)<\/li>\n<\/ul>\n\n\n\n

            Choose based on whether you need regular income or long-term growth.<\/p>\n\n\n\n

            SBI FD Premature Withdrawal Rules<\/h1>\n\n\n\n
              \n
            • Allowed for most FDs.<\/li>\n\n\n\n
            • Penalty may apply (usually 0.50%\u20131% lower interest).<\/li>\n\n\n\n
            • Tax-saving FD cannot be withdrawn before 5 years.<\/li>\n<\/ul>\n\n\n\n

              TDS on SBI FD<\/h1>\n\n\n\n
                \n
              • TDS applicable if interest exceeds prescribed limits.<\/li>\n\n\n\n
              • Submit Form 15G\/15H if eligible.<\/li>\n\n\n\n
              • Interest income is taxable as per income slab.<\/li>\n<\/ul>\n\n\n\n

                Benefits of Investing in SBI FD<\/h1>\n\n\n\n

                Government-backed public sector bank
                Safe and stable investment
                Flexible tenure options
                Loan against FD available
                Easy online booking<\/p>\n\n\n\n

                Common Questions About SBI FD Rates<\/h1>\n\n\n
                \n
                \n
                \n

                1. What is the highest SBI FD rate in 2026?<\/h3>\n
                \n\n

                A. Typically, the highest rates are offered for 2\u20133 year tenures, especially for senior citizens.<\/p>\n\n<\/div>\n<\/div>\n

                \n

                2. Does SBI offer extra interest to senior citizens?<\/h3>\n
                \n\n

                A. Yes, usually 0.50% higher than regular rates.<\/p>\n\n<\/div>\n<\/div>\n

                \n

                3. Can I open FD without SBI account?<\/h3>\n
                \n\n

                A. Generally, you need an SBI savings or current account.<\/p>\n\n<\/div>\n<\/div>\n

                \n

                4. Is SBI FD safe?<\/h3>\n
                \n\n

                A. Yes, SBI is a public sector bank and considered highly secure.<\/p>\n\n<\/div>\n<\/div>\n

                \n

                5. Can I take loan against FD?<\/h3>\n
                \n\n

                A. Yes, SBI offers loan or overdraft facility against FD.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

                Conclusion<\/h1>\n\n\n\n

                SBI FD interest rates in 2026 offer flexible options for both short-term and long-term investors. Senior citizens get additional benefits, and online FD booking through YONO or internet banking makes the process simple.<\/p>\n\n\n\n

                Before investing, always check the latest rates inside YONO SBI or confirm with your nearest branch to ensure you get the best available return.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10533","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10533","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/banking"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=10533"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}