SBI FD Calculator 2025 — State Bank of India Fixed Deposit
Fixed Deposit Maturity · Bank Comparison · Tax Impact · Senior Citizen Rates
SBI (State Bank of India) is India's largest bank and most trusted FD provider — government ownership provides implicit safety beyond DICGC coverage. Current SBI FD rates (2025): 6.80% for 1 year, 7.10% for 2–3 years, 6.75% for 5 years. Senior citizens get an additional 0.50%. Calculate exact SBI FD maturity amount for any tenure and amount here.
🏦 Fixed Deposit Calculator
📅 Interest Payout Schedule
| Quarter | Period | Interest Payout | Cumulative Interest | Balance |
|---|---|---|---|---|
| Q1 | Jun 2026 | ₹8,875 | ₹8,875 | ₹5,08,875 |
| Q2 | Sept 2026 | ₹9,033 | ₹17,908 | ₹5,17,908 |
| Q3 | Dec 2026 | ₹9,193 | ₹27,100 | ₹5,27,100 |
| Q4 | Mar 2027 | ₹9,356 | ₹36,456 | ₹5,36,456 |
| Q5 | Jun 2027 | ₹9,522 | ₹45,979 | ₹5,45,979 |
| Q6 | Sept 2027 | ₹9,691 | ₹55,670 | ₹5,55,670 |
| Q7 | Dec 2027 | ₹9,863 | ₹65,533 | ₹5,65,533 |
| Q8 | Mar 2028 | ₹10,038 | ₹75,571 | ₹5,75,571 |
| Q9 | Jun 2028 | ₹10,216 | ₹85,787 | ₹5,85,787 |
| Q10 | Sept 2028 | ₹10,398 | ₹96,185 | ₹5,96,185 |
| Q11 | Dec 2028 | ₹10,582 | ₹1,06,767 | ₹6,06,767 |
| Q12 | Mar 2029 | ₹10,770 | ₹1,17,538 | ₹6,17,538 |
📐 How FD Returns Are Calculated
Compound Interest Formula (Quarterly):
📖 Example Calculation
Deposit: ₹5,00,000 | Rate: 7.1% p.a. | Period: 3 years | Quarterly compounding
💼 Real Life Use Case
₹25L FD @ 7.5% → Monthly interest ₹15,625 as pension supplement
₹5L FD for 3 yrs @ 7.1% → ₹6.23L ready for property purchase
₹8L FD for 5 yrs @ 7.5% → ₹11.5L for child's college fees
6-month expenses in FD — safe, insured, earns more than savings
Frequently Asked Questions
What are current SBI FD interest rates in 2025?
SBI 2025 FD rates: 7 days–45 days: 3.5%, 46 days–179 days: 4.75–5.25%, 180 days–1yr: 6.0–6.8%, 1yr–less than 2yr: 6.8%, 2yr–less than 3yr: 7.0%, 3yr–less than 5yr: 6.75%, 5yr–10yr: 6.5%. Senior citizens: +0.50% on all tenures.
How do I open SBI FD online?
Via YONO app or SBI Internet Banking → Deposits → Open Fixed Deposit → Select amount, tenure, type (cumulative/non-cumulative) → Confirm. Instant activation. No branch visit needed. Minimum: ₹1,000 for YONO. NRE/NRO FDs also available online.
What is SBI Green Rupee Term Deposit?
SBI's green FD scheme where funds are deployed toward environmentally sustainable projects. Tenures: 1111, 1777, 2222 days. Rate: 6.5% p.a. (same as regular). Senior citizen benefit: +0.5%. Certificate issued for green portfolio. Good for ESG-conscious investors — same safety as regular FD.
Can I take loan against SBI FD?
Yes — SBI offers overdraft/loan against FD at FD rate + 1%. Example: FD at 7%, loan at 8%. No credit check needed. Loan up to 90% of FD value. Useful when you need funds temporarily — avoid premature FD closure (penalty 0.5–1%). Loan interest is low vs personal loan rate of 11–14%.
📌 Key Takeaways
- ✅ FD calculator India helps compare bank rates and compute exact maturity amount
- ✅ Quarterly compounding gives higher returns than simple interest or monthly payout FDs
- ✅ Senior citizens get 0.25–0.50% extra interest on FD across most banks
- ✅ FD interest is taxable — TDS @ 10% deducted if interest exceeds ₹40,000/year
- ✅ DICGC insures deposits up to ₹5 lakh per depositor per bank
- ✅ FD Ladder strategy gives both liquidity and better returns than single FD
- ✅ Tax-saving FD under 80C: 5-year lock-in, max ₹1.5L deduction per year