{
  "type": "article",
  "title": "Total Maturity Earnings on a 2 Lakh Rupee Deposit for 364 Days in State Bank of India",
  "summary": "Depositing 2 lakh rupees in State Bank of India for 364 days yields 12,030 rupees in interest for regular depositors, with higher returns for senior and super senior citizens.",
  "content": "State Bank of India stands as the nation's largest public sector lender and remains a dependable haven for savers seeking reliable growth for their hard-earned money. With millions of customers entrusting their household wealth to the institution, fixed deposit accounts continue to serve as a cornerstone of risk-free financial planning. To accommodate diverse liquidity needs, the bank permits individuals to open fixed deposit accounts spanning from a minimal timeframe of 7 days up to a maximum duration of 10 years. For depositors evaluating a specific tenure of 364 days with a principal investment of 2,00,000 rupees, understanding the precise return breakdown clarifies the benefits across age groups.\n\nInterest Rate Structure Across Diverse Tenures\nThe interest framework at State Bank of India scales according to the chosen deposit period, offering predictable yields for short-term and long-range horizons alike. For the shortest tenures ranging between 7 days and 14 days, the interest rates span from 3.05 percent to 3.65 percent. In the intermediate bracket covering 211 days to less than 1 year, the public lender guarantees an interest return ranging between 5.90 percent and 6.50 percent. For investors aiming to lock in capital over extended horizons from 5 years to 10 years, the bank provides yields ranging from 6.05 percent up to a peak of 7.15 percent.\n\nMaturity Calculation on a 2 Lakh Rupee Investment for 364 Days\nWhen a general depositor locks in 2,00,000 rupees for a 364-day duration, the total interest accrued at maturity reaches 12,030 rupees. Upon the completion of the term, the investor receives the principal along with the earnings, resulting in an aggregate payout of 2,12,030 rupees. This tenure provides an attractive avenue for savers who wish to park their funds for just short of a full year without exposing their balance to market volatility.\n\nEnhanced Payouts for Senior and Super Senior Citizens\nRecognizing the living requirements of elderly individuals, State Bank of India provides tiered preferential interest payouts to older age cohorts. A senior citizen placing 2,00,000 rupees into a 364-day fixed deposit account receives 13,073 rupees as fixed interest earnings, delivering an aggregate maturity balance of 2,13,073 rupees. For super senior citizens aged 80 years and above, the earnings increase even further. An identical deposit of 2,00,000 rupees over the 364-day span yields 13,283 rupees in fixed interest, culminating in a total maturity redemption of 2,13,283 rupees.\n\nWhat this means for you\nThis interest rate structure offers definitive clarity for individuals seeking guaranteed, risk-free returns on their idle savings.\n\n• General Depositors: Regular customers locking in 2,00,000 rupees for 364 days receive a guaranteed interest payment of 12,030 rupees. This structure benefits savers who need liquidity just short of a full year without market risk.\n• Senior Citizens: Individuals aged 60 years and above gain 13,073 rupees in interest on an identical deposit. The higher payout provides enhanced cash flow for retirees dependent on safe bank interest.\n• Super Senior Citizens: Depositors aged 80 years and above secure the highest interest payout of 13,283 rupees. This tier ensures maximum risk-free growth on principal capital for the oldest age bracket.\n• Financial Planning: Flexible options ranging between 7 days and 10 years cater to diverse cash management timelines. Investors can choose tenures aligning with rates between 5.90 percent and 7.15 percent based on their liquidity horizon.\n\nWhy this happened\nState Bank of India structures its fixed deposit rates across diverse tenures and age demographics to balance asset liability management and customer savings goals.\n\n• Tenure-Based Differentials: Varying rates across maturities allow the bank to manage liquidity demands while providing predictable returns for different investment horizons. Rates range from 3.05 to 3.65 percent for very short tenures up to 7.15 percent for multi-year deposits.\n• Tiered Benefits for Seniors: Enhanced interest slabs are extended to senior and super senior citizens to support retirement stability and fixed-income security. Consequently, older depositors earn substantially higher interest amounts on the same 364-day principal.\n• Public Sector Reliability: As the country's largest commercial bank, holding the largest volume of public savings requires maintaining competitive, risk-free savings products. Structured yields encourage citizens to keep capital within regulated banking channels.\n\nQuestions & Answers\n\n1. How much interest does a regular citizen earn on a 2 lakh rupee deposit for 364 days at State Bank of India?\nA regular citizen earns 12,030 rupees in fixed interest on a 2,00,000 rupee deposit, resulting in a total maturity sum of 2,12,030 rupees.\n\n2. What return do senior citizens receive on a 2 lakh rupee deposit for 364 days?\nSenior citizens receive 13,073 rupees in interest, yielding an aggregate maturity value of 2,13,073 rupees on a 2,00,000 rupee deposit.\n\n3. What is the maturity amount for super senior citizens on a 364-day deposit of 2 lakh rupees?\nSuper senior citizens aged 80 and above receive 13,283 rupees in fixed interest, resulting in a total payout of 2,13,283 rupees.\n\n4. What are the minimum and maximum tenures available for fixed deposits at State Bank of India?\nDepositors can open fixed deposit accounts for a minimum period of 7 days up to a maximum duration of 10 years.\n\n5. What interest rates apply to fixed deposits between 211 days and less than 1 year?\nFor tenures spanning 211 days to less than 1 year, the bank offers interest rates ranging between 5.90 percent and 6.50 percent.",
  "url": "https://trendkia.com/en/money/sbi-men-364-dinon-ke-lie-2-lakha-rupaye-ki-savadhi-jama-para-kitana-hoga-kula-munapha-36367",
  "category": "Money",
  "publishedAt": "2026-09-22",
  "tags": [
    "State Bank of India",
    "Fixed Deposit",
    "Interest Rates",
    "Senior Citizen Savings",
    "Investment"
  ],
  "language": "en",
  "site": "TrendKia"
}