SBI RD Calculator
Preset to SBI's current rd calculator rate of 6.8%. Change any value to see your own numbers.
- Current rate 6.80%
- Range 6.50–7.00%
- Rank #3 of 8 banks
- Verified 16 July 2026
SBI RD Calculator
- Total deposited₹60,000
- Interest earned₹2,594
- Maturity amount₹62,594
Deposits vs interest
- Deposited ₹60,000
- Interest ₹2,594
SBI RD interest rates 2026
| Tenure / slab | Rate | Senior citizen |
|---|---|---|
| 1 year | 6.80% | 7.30% |
| 2–3 years | 7.00% | 7.50% |
| 3–5 years | 6.75% | 7.25% |
| 5–10 years | 6.50% | 7.00% |
State Bank of India pays 6.8% on a 1-year recurring deposit as of 16 July 2026. The calculator above is preset to that rate so you can see your maturity instantly.
SBI's recurring deposit rates range from 6.50% to 7.00% across tenures. Below is the full SBI rate table, the deposit rules that matter, and how SBI stacks up against the 8 banks we track.
SBI RD — key facts
- Minimum monthly instalment is ₹100, in multiples of ₹10 thereafter.
- Available for tenures ranging from 12 months to 120 months.
- Senior citizens earn an additional 0.50% over the applicable card rate.
- A penalty is levied on delayed monthly instalments, and the account may be closed after six consecutive missed deposits.
How SBI compares
SBI's RD rate is above the category median — competitive, but AU SFB pays more at 7.20%.
SBI RD FAQs
What is SBI's RD interest rate in 2026?
State Bank of India pays 6.8% on a 1-year RD, with rates across tenures ranging from 6.5% to 7%.
What RD rate do senior citizens get at SBI?
Senior citizens earn about 7.3% on a 1-year deposit — typically 0.50% above the regular rate. Turn on the senior-citizen option in the calculator to include it.
Is there a penalty for breaking a SBI RD early?
A penalty is levied on delayed monthly instalments, and the account may be closed after six consecutive missed deposits.
Are SBI deposits safe?
Deposits with scheduled banks in India are insured by the DICGC up to ₹5,00,000 per depositor per bank, covering both principal and interest.