{
  "type": "article",
  "title": "State Bank of India Fixed Deposit Breakdown: Interest Yields on 180-Day Tenures for Regular and Senior Depositors",
  "summary": "State Bank of India provides tiered interest rates on its 180-day fixed deposits, offering differential yields for standard customers, senior citizens, and super senior citizens.",
  "content": "State Bank of India stands as the country's largest public sector financial institution, holding the primary position in terms of retail client base, physical branch presence, and overall market capitalization. For savers seeking guaranteed returns, the bank provides a comprehensive portfolio of fixed deposit options across short and long maturities. For investors considering a medium term horizon of 180 days, the lender maintains distinct interest rate brackets categorized by age groups.\n\nOverview of Rates for 180-Day Fixed Deposits\nCustomers at State Bank of India can open fixed deposit accounts across flexible tenures starting from a minimum of 7 days up to a maximum duration of 10 years. Overall interest offerings across all maturities and account types range from 3.05 percent to 7.15 percent per annum. Within the specific 180-day deposit window, interest rates vary between 5.65 percent and 6.25 percent.\n\nGeneral public depositors up to the age of 59 years receive an annual interest rate of 5.65 percent on 180-day fixed deposit accounts. This interest rate applies to retail fixed deposit balances up to a maximum cap of Rs 2,99,99,999.\n\nHigher Yields for Senior and Super Senior Citizens\nState Bank of India offers an interest rate premium to senior citizen account holders compared to standard rates. Depositors aged 60 years and above earn 6.15 percent interest on a 180-day fixed deposit scheme. This represents an additional 0.50 percent yield over the basic rate offered to general depositors.\n\nFurthermore, super senior citizens aged 80 years and above receive an even higher interest yield. On 180-day deposits, super senior citizens earn 6.25 percent per year. This rate provides a 0.10 percent boost over the regular senior citizen rate and a 0.60 percent premium above general public returns.\n\nSpecial Amrit Vrishti Scheme and Banking Reach\nIn addition to standard deposit slabs, State Bank of India offers special tenure products. Notably, the 444-day special fixed deposit scheme known as 'Amrit Vrishti' provides the highest standard yield for general public investors at 6.45 percent. As India's largest public sector lender, SBI's structured rates serve as a vital reference point for millions of retail bank depositors nationwide.\n\nWhat this means for you\nUnderstanding these fixed deposit interest rates is essential for depositors seeking secure short-term returns with State Bank of India.\n\n• For General Investors: Customers up to 59 years of age earn a 5.65 percent annual return on a 180-day deposit. This helps retail savers accurately project yields for half-year investments.\n• For Senior Citizens: Depositors aged 60 and above receive an extra 0.50 percent margin, bringing their 180-day return to 6.15 percent. This provides regular income seekers with enhanced short-term stability.\n• For Super Senior Citizens: Individuals aged 80 and above get a 6.25 percent interest yield. This is 0.60 percent higher than regular rates, yielding the highest bracket return for short term deposits.\n• For Capital Allocation: These retail fixed deposit rates apply to amounts up to Rs 2,99,99,999. Savers can allocate funds effectively across tenures based on liquidity requirements.\n\nWhy this happened\nBanks calibrate fixed deposit interest rates based on liquidity requirements, credit demand, and tenure management. Higher returns for older demographics aim to provide social security and predictable income.\n\n• Short Term Liquidity Structure: The 180-day deposit tenure helps banks balance medium to short term funding requirements while providing guaranteed returns to depositors.\n• Demographic Incentives: Differential pricing for senior and super senior citizens ensures higher social security for retirees who rely on fixed income streams.\n• Market Benchmark Role: Being the largest public sector bank, SBI sets baseline interest standards across the Indian banking ecosystem.\n\nQuestions & Answers\n\n1. What interest rate does SBI offer on a 180-day FD for general customers?\nGeneral customers aged up to 59 years earn an annual interest rate of 5.65 percent on a 180-day fixed deposit.\n\n2. What return do senior citizens get on a 180-day deposit at SBI?\nSenior citizens aged 60 and above receive an interest rate of 6.15 percent on a 180-day fixed deposit.\n\n3. What is the 180-day FD rate for super senior citizens aged 80 and above?\nSuper senior citizens aged 80 and above receive an interest rate of 6.25 percent on a 180-day fixed deposit account.\n\n4. What are the minimum and maximum tenures for opening an FD in SBI?\nCustomers can open fixed deposit accounts with SBI for tenures ranging from a minimum of 7 days to a maximum of 10 years.\n\n5. What is the overall interest rate range offered across SBI fixed deposits?\nSBI fixed deposit rates span from 3.05 percent to 7.15 percent across various tenure options and age categories.\n\n6. What interest rate is offered under SBI's Amrit Vrishti scheme?\nThe 444-day special Amrit Vrishti fixed deposit scheme provides an interest rate of 6.45 percent to general depositors.",
  "url": "https://trendkia.com/en/money/bharatiya-state-bank-of-india-ki-180-dinon-vali-fd-para-kitana-milega-byaja-varishtha-aura-ati-varishtha-nagarikon-ke-lie-ritarna--39551",
  "category": "Money",
  "publishedAt": "2026-09-27",
  "tags": [
    "State Bank of India",
    "SBI FD Rates",
    "Fixed Deposit Interest Rates",
    "Senior Citizen FD",
    "Amrit Vrishti Scheme",
    "Banking"
  ],
  "language": "en",
  "site": "TrendKia"
}