SBI FD Rates March-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।
Contents
- 1 SBI FD मैं कई सारी विशेष बातें हैं जो ग्राहकों के लिए बहुत महत्वपूर्ण है जो इस प्रकार हैं।
- 2 SBI Fixed Deposit Rates 2023
- 3 Tenure
- 4 Non-senior citizen FD Rates
- 5 Senior Citizen FD Rates
- 6 एसबीआई में फिक्स डिपॉजिट की योजना किस प्रकार से है।
- 7 एसबीआई सेविंग टैक्स स्कीम
- 8 एसबीआई फिक्स्ड डिपॉजिट पुनर्निवेश योजना
- 9 SBI FD Interest Rates for Domestic Term Deposits (Less than Rs. 2 Crore)
- 10 Which bank FD rate is high in 2023?
- 11 Is Post Office FD safe?
- 12 SBI FD Interest Rates for Domestic Bulk Term Deposits (Rs 2 Crore & above)
- 13 Which SBI FD is best?
- 14 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 minimum 5 years.
- 15 SBI Fixed Deposit Interest Rates for NRO: Rs. 2 Crores & Above
- 16 Can I invest in FD every month?
- 17 Compare FD Interest Rates of Top Financial Institutions
- 18 How many years FD will double?
- 19 SBI FD Rates for NRIs: Less than Rs. 2 crores
- 20 What is the maximum FD limit?
- 21 SBI FD Rates for NRIs: Rs. 2 crores & Above
- 22 SBI FD Interest Rates for NRO
- 23 SBI Fixed Deposit Interest Rates for NRO: Less than Rs. 2 Crores
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 Fixed Deposit Rates 2023
| SBI FD Rates in India | ||
Tenure |
Non-senior citizen FD Rates |
Senior Citizen FD Rates |
| 7 days to 45 days | 2.90% | 3.40% |
| 46 days to 179 days | 3.90% | 4.40% |
| 180 days to 210 days | 4.40% | 4.90% |
| 211 days to 364 days | 4.40% | 4.90% |
| 1 year to 1 year 364 days | 5.10% | 5.60% |
| 2 years to 2 years 364 days | 5.10% | 5.60% |
| 3 years to 4 years 364 days | 5.30% | 5.80% |
| 5 years to 10 years | 5.40% | 6.20% |
एसबीआई में फिक्स डिपॉजिट की योजना किस प्रकार से है।
- ✔️ एसबीआई में ग्राहकों के द्वारा कई तरह के फिक्स डिपाजिट को किया जाता है।
- ✔️ 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 Period | Deposit Amount (Rs.) | Interest Rate (p.a.) | Interest Rate (p.a.) |
| General | Senior Citizen | ||
| 7 days to 45 days | Less than 2 crores | 2.90% | 3.40% |
| 46 days to 179 days | Less than 2 crores | 3.90% | 4.40% |
| 180 days to 210 days | Less than 2 crores | 4.40% | 4.90% |
| 211 days to less than 1 year | Less than 2 crores | 4.40% | 4.90% |
| 1 year to below 2 years | Less than 2 crores | 4.90% | 5.40% |
| 2 years to below 3 years | Less than 2 crores | 5.10% | 5.60% |
| 3 years to below 5 years | Less than 2 crores | 5.30% | 5.80% |
| 5 years & up to ten years | Less than 2 crores | 5.40% | 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 is offered by HDFC Bank for a tenure of 5 years and above.
Is Post Office FD safe?
Guaranteed Returns: As a government backed savings scheme, the post office fixed deposit is one of the safest option of investment and offers guaranteed return. 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 Period | Deposit Amount (Rs.) | Interest Rate (p.a.) | Interest Rate (p.a.) |
| General | Senior Citizen | ||
| 7 days to 45 days | 2 crore and more | 2.90% | 3.40% |
| 46 days to 179 days | 2 crore and more | 2.90% | 3.40% |
| 180 days to 210 days | 2 crore and more | 2.90% | 3.40% |
| 211 days to less than 1 year | 2 crore and more | 2.90% | 3.40% |
| 1 year to below 2 years | 2 crore and more | 2.90% | 3.40% |
| 2 years to below 3 years | 2 crore and more | 3.0% | 3.50% |
| 3 years to below 5 years | 2 crore and more | 3.0% | 3.50% |
| 5 years & up to ten years | 2 crore and more | 3.0% | 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 minimum 5 years.
SBI Fixed Deposit Interest Rates for NRO: Rs. 2 Crores & Above
| Maturity Period | Deposit Amount (Rs.) | Interest Rate (% p.a.) |
| 7 days to 45 days | 2 Crore and more | 2.90% |
| 46 days to 179 days | 2 Crore and more | 2.90% |
| 180 days to 210 days | 2 Crore and more | 2.90% |
| 211 days to less than 1 year | 2 Crore and more | 2.90% |
| 1 year to below 2 years | 2 Crore and more | 2.90% |
| 2 years to below 3 years | 2 Crore and more | 3.00% |
| 3 years to below 5 years | 2 Crore and more | 3.00% |
| 5 years & up to ten years | 2 Crore and more | 3.00% |
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 on a monthly basis. … 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
| BANKS | GENERAL CITIZENS | SENIOR CITIZEN | View details |
| SBI | 5.30% – 5.40% | 5.80% – 6.20% | View details |
|
Axis Bank
|
2.50% – 5.75% | 2.50% – 6.50% | View details |
|
Bandhan Bank
|
3.00% – 5.00% | 3.75% – 5.75% | View details |
|
Bank of Baroda
|
2.80% – 5.25% | 3.30% – 6.25% | View details |
|
Bank of India
|
2.85% – 5.05% | 3.35% – 5.55% | View details |
|
Canara Bank
|
2.90% – 5.40% | 2.90% – 5.90% | View details |
|
Central Bank of India
|
2.75% – 5.00% | 2.90% – 3.25% | View details |
|
DBS Bank
|
2.50% – 5.50% | 3.50% – 6.00% | View details |
|
HDFC Bank
|
2.50% – 5.60% | 3.00% – 6.35% | View details |
|
IDFC Bank
|
2.50% – 6.00% | 3.00% – 6.50% | View details |
|
Indian Bank
|
2.90% – 5.15% | 3.40% – 5.65% | View details |
|
Indian Overseas Bank
|
3.40% – 5.20% | 3.90% – 5.70% | View details |
|
IndusInd Bank
|
2.50% – 6.00% | 3.00% – 6.50% | View details |
|
Punjab National Bank
|
2.90% – 5.25% | 3.50% – 5.75% | View details |
|
UCO Bank
|
2.55% – 5.05% | 3.80% – 6.30% | View details |
|
Yes Bank
|
3.25% – 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 Period | Deposit Amount (Rs.) | Interest Rate (p.a.) |
| 1 year to below 2 years | Less than 2 Crores | 5.10% |
| 2 years to below 3 years | Less than 2 Crores | 5.10% |
| 3 years to below 5 years | Less than 2 Crores | 5.30% |
| 5 years & up to ten years | Less than 2 Crores | 5.40% |
| Premature Withdrawal | Interest 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?
SBI FD Rates for NRIs: Rs. 2 crores & Above
| Maturity Period | Deposit Amount (Rs.) | Interest Rate (p.a.) |
| 1 year to below 2 years | 2 Crore and more | 2.90 % |
| 2 years to below 3 years | 2 Crore and more | 3.00 % |
| 3 years to below 5 years | 2 Crore and more | 3.00 % |
| 5 years & up to ten years | 2 Crore and more | 3.00 % |
| Premature Withdrawal | Interest 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 | |
SBI FD Interest Rates for NRO
SBI Fixed Deposit Interest Rates for NRO: Less than Rs. 2 Crores
| Maturity Period | Deposit Amount (Rs.) | Interest Rate (% p.a.) |
| 7 days to 45 days | Less than 2 Crores | 2.90% |
| 46 days to 179 days | Less than 2 Crores | 3.90% |
| 180 days to 210 days | Less than 2 Crores | 4.40% |
| 211 days to less than 1 year | Less than 2 Crores | 4.40% |
| 1 year to below 2 years | Less than 2 Crores | 5.10% |
| 2 years to below 3 years | Less than 2 Crores | 5.10% |
| 3 years to below 5 years | Less than 2 Crores | 5.30% |
| 5 years & up to ten years | Less than 2 Crores | 5.40% |
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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.
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.
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 is offered by HDFC Bank for a tenure of 5 years and above.
Can we get monthly interest on a fixed deposit? Yes, you can get monthly interest payouts if you choose periodic payouts and select monthly frequency. When you invest your money in FDs, you gain interest on your principal amount, obtained periodically.
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.
