Estimate State Bank of India fixed deposit maturity value and interest with Digifinn’s free FD calculator. Enter amount, tenure, and rate to plan your returns.
Interest Payout
TOTAL MATURITY VALUE
₹ 30,504.75
Invested amount
₹ 25,000.00
Est. Returns
₹ 5,504.75
An SBI fixed deposit can suit investors who want to park surplus money in a relatively lower-risk bank deposit with a defined tenure — often useful when you may need liquidity later, subject to premature-withdrawal rules. SBI FD tenures commonly range from about 7 days to 10 years.
Digifinn’s SBI FD Calculator helps estimate interest and maturity value from the amount, tenure, and rate you enter. Results are illustrative planning estimates only. Always confirm current SBI FD rates and product terms on State Bank of India’s official channels before investing.
State Bank of India is a widely used public-sector bank in India. Digifinn’s SBI FD Calculator displays an estimated interest and maturity figure so you can plan deposit scenarios more clearly. Review your objectives carefully — many people use FDs for short-term parking of funds and for relative ease of accessing money in emergencies (subject to the bank’s premature-withdrawal terms).
Investing without checking rates, tenure, and liquidity needs can lead to outcomes that do not match your goals. Digifinn’s SBI FD Calculator does not require technical expertise — basic familiarity with the web is enough.
Enter the amount you plan to deposit, then the tenure (SBI tenures generally range from about 7 days to 10 years). Select the applicable interest rate from SBI’s published grid. Digifinn’s tool estimates results using its own method (quarterly compounding for on-maturity payout; simple interest for monthly/quarterly payout). SBI’s compounding and payout rules may differ — treat outputs as planning aids only.
The rates below are published for educational illustration based on publicly shared SBI tenure slabs. They may be outdated and are not Digifinn’s rates. Verify the latest SBI FD rates on the bank’s official channels before investing.
| Tenor | Interest rates for general citizens (p.a.) | Interest rates for senior citizens (p.a.) |
|---|---|---|
| 7 days to 45 days | 3.05% | 3.55% |
| 46 days to 179 days | 4.90% | 5.40% |
| 180 days to 210 days | 5.65% | 6.15% |
| 211 days to less than 1 year | 5.90% | 6.40% |
| 1 year to less than 2 years | 6.25% | 6.75% |
| 2 years to less than 3 years | 6.45% | 6.95% |
| 3 years to less than 5 years | 6.30% | 6.80% |
| 5 years and up to 10 years | 6.05% | 7.05% |
| 444 days (Amrit Vrishti scheme) | 6.60% | 7.10% |
Illustrative only. Bulk-deposit slabs change frequently. Confirm current SBI rates for your deposit amount and customer category before investing.
| Tenor | Interest rates for general citizens (p.a.) | Interest rates for senior citizens (p.a.) |
|---|---|---|
| 7 days to 14 days | 4.50% | 5.00% |
| 15 days to 45 days | 5.00% | 5.50% |
| 46 days to 179 days | 5.10% | 5.60% |
| 180 days to 210 days | 5.60% | 6.10% |
| 211 days to less than 1 year | 5.60% | 6.10% |
| 1 year to less than 2 years | 6.25% | 6.75% |
| 2 years to less than 3 years | 6.15% | 6.65% |
| 3 years to less than 5 years | 6.00% | 6.50% |
| 5 years and up to 10 years | 6.00% | 6.50% |
An SBI FD is a bank deposit with a stated interest rate and tenure under the bank’s terms. Bonds are tradable debt securities whose returns can vary with market prices, credit quality, and coupon structure. Neither should be treated as guaranteed.
Bonds can sometimes offer higher yields than bank FDs, but they also carry market and credit risks. SBI FDs typically provide more predictable interest estimates if held to maturity, subject to the bank’s terms. Compare risk, liquidity, and after-tax outcomes before deciding.
Many SBI FDs allow premature withdrawal subject to the bank’s rules. Early withdrawal usually attracts a penalty or a lower applicable interest rate. Confirm lock-in and penalty terms with SBI before booking or breaking a deposit.
Many listed bonds can be sold in the secondary market before maturity, subject to liquidity and price risk. Bank FDs are typically held to maturity unless you use the bank’s premature-withdrawal process.
Some investors prefer SBI FDs when they want relatively predictable interest estimates for a set tenure. Bonds may offer higher yields but carry market and credit risks. Choose based on your risk appetite, liquidity needs, and tax situation — and review offer documents carefully.
