SBI FD Interest Rates 2023: Revised FD Rates Up to 7.60%

SBI FD Rates 2023 ll sbi interest rates 2023 ll sbi fixed deposit scheme ll sbi fd interest rates ll sbi fixed deposit scheme , SBI FD Interest New Rates भारतीय स्टेट बैंक के द्वारा कई सारे सुविधा और लाभ के साथ 7 दिन से लेकर 10 वर्ष तक के समय के लिए FD पर आकर्षक ब्याजदर दिया जा रहा है । बड़े नागरिकों को 0.8% ज्यादा ब्याज दर दिया जाता है। वहीं आम जनता के लिए ब्याज दर 2.90 % प्रतिवर्ष है।

SBI FD मैं कई सारी विशेष बातें हैं जो ग्राहकों के लिए बहुत महत्वपूर्ण है जो इस प्रकार हैं।

  • ✔️  कैलेंडर तिमाही मासिक आधार पर ब्याज भुगतान
  • ✔️  कम से कम जमा राशि ₹1000 है।
  • ✔️  अधिकतम जमा करने का कोई सीमा नही है।
  • ✔️  कार्यकाल का समय 7 दिन से लेकर 10 वर्ष तक।
  • ✔️  नामांकन की सुविधा भी उपलब्ध है।
  • ✔️  FD पर मूल राशि का 90% तक कर्ज ले सकता है।
SBI FD Rates 2023

SBI Fixed Deposit Rates 2023

SBI FD Rates in India
TenureNon-senior citizen FD RatesSenior Citizen FD Rates
7 days to 45 days2.90%3.40%
46 days to 179 days3.90%4.40%
180 days to 210 days4.40%4.90%
211 days to 364 days4.40%4.90%
1 year to 1 year 364 days5.10%5.60%
2 years to 2 years 364 days5.10%5.60%
3 years to 4 years 364 days5.30%5.80%
5 years to 10 years5.40%6.20%

एसबीआई में फिक्स डिपॉजिट की योजना किस प्रकार से है।

  1. ✔️  एसबीआई में ग्राहकों के द्वारा कई तरह के फिक्स डिपाजिट को किया जाता है।
  2. ✔️  एसबीआई टर्म डिपॉजिट: फिक्स्ड डिपॉजिट जो आप एसबीआई के पास 7 दिनों से लेकर 10 वर्षों तक रखते हैं अगर आप समय से पहले पैसा निकालना चाहते हैं तो आपको इसके लिए चार्ज लगेगा।

एसबीआई सेविंग टैक्स स्कीम

टैक्स सेविंग फिक्स्ड डिपॉजिट स्कीम टेक्स् को कम करने के लिए खोला जाता है और प्रत्येक साल 1.5 लाख तक का कटौती मिल सकता है।

एसबीआई फिक्स्ड डिपॉजिट पुनर्निवेश योजना

ये योजन उस जगह पे होता है जहां तिमाही ब्याज आपके मूलधन की जमा राशि में जोड़ा जाता है इस पर एक और ब्याज की गणना की जाएगी। और ब्याज का पुनर्निवेश उस राशि में किया जाएगा जो अधिक ब्याज और मश्योरुत्ति राशि प्रदान करती है ।

एसबीआई वार्षिक जमा योजना
इस योजना के अनुसार आपको एक बड़ी राशि जमा करनी होगी और राशि का भुगतान मासिक किस्तों के रूप में किया जाएगा

SBI FD Interest Rates for Domestic Term Deposits (Less than Rs. 2 Crore)

Maturity PeriodDeposit Amount (Rs.)Interest Rate (p.a.)Interest Rate (p.a.)
GeneralSenior Citizen
7 days to 45 daysLess than 2 crores2.90%3.40%
46 days to 179 daysLess than 2 crores3.90%4.40%
180 days to 210 daysLess than 2 crores4.40%4.90%
211 days to less than 1 yearLess than 2 crores4.40%4.90%
1 year to below 2 yearsLess than 2 crores4.90%5.40%
2 years to below 3 yearsLess than 2 crores5.10%5.60%
3 years to below 5 yearsLess than 2 crores5.30%5.80%
5 years & up to ten yearsLess than 2 crores5.40%6.20%

Which bank FD rate is high in 2023?

Axis Bank offers the highest FD interest rate of 5.75% p.a., which is for a tenure of 5 years and above for the general public. For senior citizens, the interest rate is up to 6.50%. The second highest interest rate is 5.60% p.a., which HDFC Bank offers for a tenure of 5 years and above.

SBI FD Rates 2023

Is Post Office FD safe?

Guaranteed Returns: As a government-backed savings scheme, the post office fixed deposit is one of the safest options for investment and offers guaranteed returns. Considerable Interest Rate: The post office fixed deposit offers an interest rate of 6.7%.

SBI FD Interest Rates for Domestic Bulk Term Deposits (Rs 2 Crore & above)

Maturity PeriodDeposit Amount (Rs.)Interest Rate (p.a.) Interest Rate (p.a.)
GeneralSenior Citizen
7 days to 45 days2 crore and more2.90%3.40%
46 days to 179 days2 crore and more2.90%3.40%
180 days to 210 days2 crore and more2.90%3.40%
211 days to less than 1 year2 crore and more2.90%3.40%
1 year to below 2 years2 crore and more2.90%3.40%
2 years to below 3 years2 crore and more3.0%3.50%
3 years to below 5 years2 crore and more3.0%3.50%
5 years & up to ten years2 crore and more3.0%3.50%

Which SBI FD is best?

What is the highest FD rate for SBI? Ans:. The highest FD interest for SBI is 6.75% for regular accounts and 7.25% for Senior Citizens, only for the Fixed Deposits with tenure of a minimum of 5 years.

SBI Fixed Deposit Interest Rates for NRO:  Rs. 2 Crores & Above

Maturity PeriodDeposit Amount (Rs.)Interest Rate (% p.a.)
7 days to 45 days2 Crore and more2.90%
46 days to 179 days2 Crore and more2.90%
180 days to 210 days2 Crore and more2.90%
211 days to less than 1 year2 Crore and more2.90%
1 year to below 2 years2 Crore and more2.90%
2 years to below 3 years2 Crore and more3.00%
3 years to below 5 years2 Crore and more3.00%
5 years & up to ten years2 Crore and more3.00%

Can I invest in FD every month?

Monthly Income FD Schemes. Fixed Deposit (FD) monthly income schemes are an ideal option for those who want to earn a regular fixed income monthly. … This type of term deposit promises the investor guaranteed returns at a certain rate of interest, every month.

Compare FD Interest Rates of Top Financial Institutions

BANKSGENERAL CITIZENSSENIOR CITIZENView details
SBI5.30% – 5.40%5.80% – 6.20%View details
Axis Bank2.50% – 5.75%2.50% – 6.50%View details
Bandhan Bank3.00% – 5.00%3.75% – 5.75%View details
Bank of Baroda2.80% – 5.25%3.30% – 6.25%View details
Bank of India2.85% – 5.05%3.35% – 5.55%View details
Canara Bank2.90% – 5.40%2.90% – 5.90%View details
Central Bank of India2.75% – 5.00%2.90% – 3.25%View details
DBS Bank2.50% – 5.50%3.50% – 6.00%View details
HDFC Bank2.50% – 5.60%3.00% – 6.35%View details
IDFC Bank2.50% – 6.00%3.00% – 6.50%View details
Indian Bank2.90% – 5.15%3.40% – 5.65%View details
Indian Overseas Bank3.40% – 5.20%3.90% – 5.70%View details
IndusInd Bank2.50% – 6.00%3.00% – 6.50%View details
Punjab National Bank2.90% – 5.25%3.50% – 5.75%View details
UCO Bank2.55% – 5.05%3.80% – 6.30%View details
Yes Bank3.25% – 6.25%3.75% – 7.25%View details

How many years FD will double?

To know the time duration in which your FD amount will get doubled, you have to divide 72 with the highest rate. For example, if the highest rate on FD is 7.05%, then the number of years in which your FD will get doubled is 72/7.05= 10.21. Thus, it will take 10 years for your FD to get doubled.

SBI FD Rates for NRIs: Less than Rs. 2 crores

Maturity PeriodDeposit Amount (Rs.)Interest Rate (p.a.)
1 year to below 2 yearsLess than 2 Crores5.10%
2 years to below 3 yearsLess than 2 Crores5.10%
3 years to below 5 yearsLess than 2 Crores5.30%
5 years & up to ten yearsLess than 2 Crores5.40%
Premature WithdrawalInterest is not payable for deposits withdrawn before 1 year
Premature withdrawal of Retail Term Deposits will attract penalty w.e.f April  01, 2017:·                  0.5% if withdrawn up to Rs 5 Lakh ·                  1% if withdrawn b/w Rs 5 Lakh and Rs 1 Crore

What is the maximum FD limit?

You can deposit a maximum Rs 1.5 lakh a year under Section 80C. There is also tax deducted at source (TDS) on FD. If your interest earned from FD is more than Rs 10,000 in a year, TDS will be deducted.

SBI FD Rates for NRIs: Rs. 2 crores & Above

Maturity PeriodDeposit Amount (Rs.)Interest Rate (p.a.)
1 year to below 2 years2 Crore and more2.90 %
2 years to below 3 years2 Crore and more3.00 %
3 years to below 5 years2 Crore and more3.00 %
5 years & up to ten years2 Crore and more3.00 %
Premature WithdrawalInterest is not payable for deposits withdrawn before 1 year  
Premature withdrawal of Retail Term Deposits will attract penalty w.e.f April  01, 2017:Pre-mature withdrawal of the FD after 1 year – The SBI interest rates on fixed deposits will be paid at the rate applicable for the duration the FD remained with the Bank or contracted rate minus 1% penalty on premature withdrawal, whichever is lower

Can I double my money in 5 years?

If you want to double your money in 5 years, then you can apply the thumb rule in a reverse way. Divide the 72 by the number of years in which you want to double your money. So to double your money in 5 years you will have to invest money at the rate of 72/5 = 14.40% p.a. to achieve your target.

SBI FD Interest Rates for NRO

SBI Fixed Deposit Interest Rates for NRO: Less than Rs. 2 Crores

Maturity PeriodDeposit Amount (Rs.)Interest Rate (% p.a.)
7 days to 45 daysLess than 2 Crores2.90%
46 days to 179 daysLess than 2 Crores3.90%
180 days to 210 daysLess than 2 Crores4.40%
211 days to less than 1 yearLess than 2 Crores4.40%
1 year to below 2 yearsLess than 2 Crores5.10%
2 years to below 3 yearsLess than 2 Crores5.10%
3 years to below 5 yearsLess than 2 Crores5.30%
5 years & up to ten yearsLess than 2 Crores5.40%

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✔️ Which type of FD is best in SBI?

For tenure of 1 year to 5 years, one can avail the highest FD interest rates SBI of 6.20% per annum on Senior citizen SBI FD. For an investment period of 211 days to less than 2 years, the account holder can avail a 4.90% to 5.60% interest rate on FD in SBI per annum.

✔️ How many years FD will double?

To know the time duration in which your FD amount will get doubled, you have to divide 72 with the highest rate. For example, if the highest rate on FD is 7.05%, then the number of years in which your FD will get doubled is 72/7.05= 10.21. Thus, it will take 10 years for your FD to get doubled.

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