SBI FD Calculator
Calculate your SBI fixed-deposit maturity and interest at current rates. Free, no signup.
SBI FD rates
| Bank | Typical FD rate | Senior citizen |
|---|---|---|
| SBI | 6.50% p.a. (5-yr) | +0.50% |
Reference rates, ~2026. Your actual rate depends on your profile, down payment and the bank's current offers — verify before deciding.
Worked example
Example: ₹1,00,000 in a SBI FD at 6.50% for 5 years (quarterly compounding).
- Maturity value: ₹138,042
- Interest earned: ₹38,042
Frequently Asked Questions
What is the SBI FD interest rate?
SBI fixed-deposit rates are around 6.50% p.a. for 5-year tenures as a 2026 reference. Senior citizens typically get +0.50%. Rates vary by tenure.
How is SBI FD maturity calculated?
Maturity = P × (1 + r/4)^(4n) with quarterly compounding. Enter your amount, rate and tenure above for the exact maturity value.
Is FD interest taxable?
Yes, FD interest is taxable as per your income-tax slab in India, and TDS may apply above the threshold. Tax-saver 5-year FDs offer Section 80C benefit.
Is a bank FD safe?
Bank FDs carry no market risk and are insured by DICGC up to ₹5 lakh per depositor per bank.