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At SBI’s published public retail rates, a ₹1 lakh reinvestment fixed deposit could mature to about ₹1,06,398 in one year, ₹1,19,739 in three years, ₹1,35,018 in five years and ₹1,82,298 in ten years. These are illustrative pre-tax estimates using quarterly compounding—not a guaranteed quote for a future booking.
₹1 lakh SBI FD maturity estimates
The estimates below use SBI’s domestic retail term-deposit rates for deposits below ₹3 crore. The schedule lists rates effective 15 December 2025 and was last updated 16 June 2026. Confirm the live rate with SBI before booking, since rates can change. SBI deposit rates
| Deposit term | Public annual rate used | Estimated maturity | Estimated interest |
|---|---|---|---|
| 1 year | 6.25% p.a. | ₹1,06,398 | ₹6,398 |
| 3 years | 6.30% p.a. | ₹1,19,739 | ₹19,739 |
| 5 years | 6.05% p.a. | ₹1,35,018 | ₹35,018 |
| 10 years | 6.05% p.a. | ₹1,82,298 | ₹82,298 |
The 3-year rate is higher than the rates shown for the 5- and 10-year terms because SBI’s schedule uses different rate bands by tenor. The 1-year rate is for the 1-year-to-less-than-2-year band; the 3-year rate is for 3 years to less than 5 years; the 5- and 10-year rates are in the 5-to-10-year band. SBI deposit rates
How these SBI FD calculator estimates are worked out
The calculation assumes the full ₹1,00,000 stays invested to maturity in a reinvestment deposit, with interest compounded quarterly. It applies the formula principal × (1 + annual rate ÷ 4)4 × years, then rounds the result to the nearest rupee.
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This is a simplified estimate for complete quarters. SBI says term-deposit interest is calculated at quarterly intervals; broken periods are calculated on a daily-product basis using a 365-day year. Actual maturity proceeds can therefore differ where the deposit period includes a broken period or other booking-specific details. SBI deposit rates
What can change the amount you receive?
Interest payout choice
The table assumes interest is reinvested. For a monthly-interest payout, SBI calculates interest for the quarter and pays it at a discounted rate. Periodic payouts do not produce the same maturity value as quarterly reinvestment. SBI offers different interest payout choices, so select the method that matches your cash-flow needs. SBI term deposits
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Tax
All figures are before tax. SBI says tax deducted at source applies as per prevailing income-tax rules; the depositor’s tax liability and net return depend on their circumstances. SBI term deposits
Premature closure
Closing an FD before its maturity changes the return. SBI publishes a premature-withdrawal penalty and reduces applicable interest based on how long the deposit remained with the bank. The maturity estimates above assume no early closure. SBI term deposits
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Senior-citizen eligibility
Senior-citizen rates differ from the public rates used in the table. SBI states that its We-care benefit adds a 50-basis-point premium in the 5-to-10-year band for eligible senior citizens. Check the applicable rate and eligibility when comparing an estimate with your own booking. SBI deposit rates
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How to compare SBI FD options
SBI retail term deposits are available for tenors from 7 days to 10 years, with different interest payout choices. To compare options fairly, keep the principal and payout method consistent, then check the tenor-specific rate, pre-tax maturity value, senior-citizen eligibility and the cost of closing early. SBI term deposits
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