SBI FD Interest Rates 2026: Extra Benefits for Seniors and High-Value Investors

For investors who prefer safety over risk, fixed deposits remain a trusted choice. The State Bank of India (SBI) offers a wide range of FD options designed for different age groups and investment needs. From regular deposits to special schemes for senior and super senior citizens, SBI ensures steady returns with added benefits.

SBI FD Interest Rates at a Glance

Currently, SBI offers interest rates of up to 6.40% for the general public and up to 6.90% for senior citizens on term deposits below ₹3 crore. These rates apply to standard FDs, excluding special schemes like Amrit Vrishti and WeCare.

SBI Amrit Vrishti: Short-Term, Higher Returns

SBI Amrit Vrishti is a popular special FD scheme with a tenure of 444 days. Under this scheme, general investors earn 6.45%, while senior citizens enjoy a higher return of 6.95%, making it attractive for those looking for better short-term gains.

SBI WeCare: Exclusively for Senior Citizens

The SBI WeCare scheme is designed only for senior citizens and offers enhanced interest rates for long-term deposits ranging from 5 to 10 years. Available on fresh investments as well as renewals, this scheme offers an interest rate of up to 7.05%, one of the highest among SBI’s retail FDs.

Non-Callable Term Deposits: Higher Amount, Better Rates

For deposits between ₹1.01 crore and under ₹3 crore, SBI offers non-callable term deposits. A one-year FD earns 6.55% for the general public and 7.05% for senior citizens. For a two-year tenure, the rates go up to 6.80% and 7.30%, respectively.

SBI Patrons: Extra Benefit for Super Senior Citizens

Under the SBI Patrons scheme, super senior citizens aged 80 years and above get an additional 10 basis points over the senior citizen rate. However, this benefit does not apply to certain schemes like non-callable deposits and tax-saving FDs.

With interest rates ranging from 6.40% to 7.30%, SBI fixed deposits offer safe and reliable returns. Special schemes like Amrit Vrishti, WeCare, and Patrons make SBI FDs especially rewarding for senior and super senior citizens looking for stable income with peace of mind.