SBI FD Interest Rate Chart
Alag-alag tenure par SBI general aur senior citizens ke liye FD interest rates (p.a.) niche di gayi hain.
| Tenure (Duration) | General Citizens | Senior Citizens (+0.50%) | SBI Staff / Senior Staff |
|---|---|---|---|
| 7 days – 45 days | 3.50% | 4.00% | 4.00% / 4.50% |
| 46 days – 179 days | 4.50% | 5.00% | 5.00% / 5.50% |
| 180 days – 210 days | 5.50% | 6.00% | 6.00% / 6.50% |
| 211 days – Less than 1 Year | 5.75% | 6.25% | 6.25% / 6.75% |
| 1 Year Exactly | 6.80% | 7.30% | 7.30% / 7.80% |
| 1 Year 1 Day – 2 Years | 7.00% | 7.50% | 7.50% / 8.00% |
| 2 Years 1 Day – 3 Years | 6.90% | 7.40% | 7.40% / 7.90% |
| 3 Years 1 Day – 5 Years | 6.75% | 7.25% | 7.25% / 7.75% |
| 5 Years 1 Day – 10 Years | 6.40% | 7.05% | 7.05% / 7.55% |
| SBI Tax Saving FD (5yr) | 6.50% | 7.00% | 7.00% / 7.50% |
Kitni Monthly Income Milegi?
5-10 Saal ke FD tenure par (General: 6.40% | Senior: 7.05%) har mahine kitna milega – ek nazar mein.
SBI FD MIS – Key Features
Is scheme mein invest karne se pehle in important features ko zaroor jaanein.
Minimum Deposit
Sirf ₹1,000 se shuru karein. Koi upper limit nahi – aap jitna chahein utna invest kar sakte hain.
Flexible Tenure
7 din se lekar 10 saal tak ka tenure choose karein. Monthly payout ke liye minimum 180 din ka tenure recommend kiya jaata hai.
100% Safe & Secure
DICGC insured upto ₹5 Lakh. SBI government bank hai, isliye aapka paisa bilkul safe rehta hai.
Auto Renewal
Maturity par FD automatically renew ho sakti hai prevailing interest rate par, agar aap instruction nahi dete.
Loan Against FD
FD ke 90% tak ka loan le sakte hain bina FD tod ke. Emergency mein liquidity ka accha option.
Joint Account
Do ya teen logo ke saath joint FD khol sakte hain. Nominee bhi add kar sakte hain.
Online & Offline
YONO app, net banking ya nearest branch se FD open karein. 24/7 online access available hai.
Senior Citizen Benefit
60 saal ya usse zyada umra ke log regular rate se +0.50% extra interest paate hain har tenure par.
SBI FD Kaise Kholein?
Online ya offline dono tarike se aasaani se SBI Fixed Deposit open kar sakte hain.
YONO App / Net Banking
SBI YONO app download karein ya https://onlinesbi.sbi par login karein apni credentials se.
'e-Fixed Deposit' Select Karein
Menu mein "Fixed Deposit" ya "e-TDR/e-STDR" option dhundhen aur "Create FD" par click karein.
Details Fill Karein
Amount, tenure, interest payout frequency (monthly/quarterly) aur nominee details enter karein.
Confirm & Submit
OTP ya transaction password se verify karein. FD turant create ho jaayegi aur confirmation milega.
Tax Implications Samjhein
FD par milne wala interest income fully taxable hoti hai. In important points ko zaroor jaanein.
TDS (Tax Deducted at Source) Rules
Bank ek financial year mein FD se milne wali interest income par TDS tab deduct karta hai jab wo ek certain limit cross kar leti hai. Rate aur limit citizen type par depend karti hai.
Note: FD interest apni ITR (Income Tax Return) mein "Income from Other Sources" head ke under declare karna zaroori hai. Agar aapki total income basic exemption limit se kam hai, toh Form 15G (General) ya Form 15H (Senior Citizens, 60+) bank mein jama karo taki TDS na kate. Ye form har financial year ke shuruat mein submit karna hota hai.
Premature Withdrawal & Penalties
Zarurat par FD samay se pehle bhi tod sakte hain, lekin kuch penalty lagti hai.
| Scenario | Penalty / Rule | Example |
|---|---|---|
| FD amount ≤ ₹5 Lakh Premature closure |
0.50% penalty | Applicable rate minus 0.50% |
| FD amount > ₹5 Lakh Premature closure |
1.00% penalty | Applicable rate minus 1.00% |
| 7–14 days FD – Premature | No interest paid | Only principal returned |
| FD Maturity (Normal) | No penalty | Full principal + interest |
| Loan against FD | No FD breakage needed | Up to 90% of FD value |
| Tax Saving FD (5yr) | Lock-in – No premature | Cannot withdraw before 5 years |
Kiskeliye Hai Ye Scheme?
SBI FD Monthly Income Scheme in logon ke liye sabse zyada suitable hai:
Retired Persons
Retired logon ke liye pension ke alawa guaranteed monthly income ka best source. Principal safe rehta hai.
Housewives / Homemakers
Ghar ke kharche ke liye har mahine ek nishchit income chahiye toh ye scheme perfect hai.
Conservative Investors
Jo log share market ke risk se dur rehna chahte hain aur stable return prefer karte hain unke liye ideal.
Freelancers / Self-Employed
Irregular income wale log FD ke zariye ek fixed monthly cashflow create kar sakte hain.
Aksar Pooche Jaane Wale Sawaal
SBI FD MIS ke baare mein sabse common questions ke jawab yahan hain.