Compare SBI Retail Domestic Term Deposit and SBI Domestic Bulk Term Deposit ₹3 Crore+ using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
SBI customers and conservative savers who value a large public-sector bank and want to compare standard tenure rates with SBI's special-tenure deposit offers before booking.
Businesses, institutions and high-value depositors comparing large SBI term deposits where deposit band and effective date materially change the rate.
littleden.blog · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare-banking/sbi-retail-domestic-term-deposit-vs-sbi-domestic-bulk-term-deposit/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
1 attached source. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.
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| Decision factor | SBI Retail Domestic Term Deposit | SBI Domestic Bulk Term Deposit ₹3 Crore+ |
|---|---|---|
| Current rate evidence | The reviewed SBI retail schedule below ₹3 crore is effective from 15 December 2025: standard public rates run from 3.05% to 6.40% p.a.; the 444-day Amrit Vrishti special tenor is listed at 6.45% p.a. | Revised public rates effective 15 August 2026 range from 4.25% for 7–14 days to 6.25% for 1 year to under 2 years; eligible senior-citizen bulk rates in the same table range from 4.75% to 6.75%. |
| Tenure / deposit band | Retail domestic rate table applies below ₹3 crore, with tenures beginning at 7 days; non-callable deposits from ₹1,00,01,000 use a separate premium table. | Domestic bulk term-deposit schedule applies from ₹3 crore and above; rate bands and special non-callable products may be separate from ordinary retail deposits. |
| Payout / deposit features | Senior citizens receive additional rates, and SBI separately publishes special-tenure products such as Amrit Vrishti and Green Rupee Term Deposit. | First-party schedule exposes both current and immediately previous rate columns, allowing transparent change tracking rather than replacing old figures silently. |
| Liquidity / premature withdrawal | Standard, non-callable and special-scheme deposits have different withdrawal/tenure conditions; the controlling product terms must be checked before booking. | Premature penalty for bulk term deposits is stated at 1% for all tenures; fresh deposits and renewals use the revised schedule while existing contracted deposits keep their booked terms. |
| Eligibility | Eligible resident depositors under SBI's current term-deposit/KYC rules; special senior and super-senior benefits have their own eligibility. | Eligible public and senior-citizen domestic bulk depositors under SBI's current deposit rules; entity/category rules and special deposits can differ. |
| Rate / booking condition | Rates are governed by SBI's current interest-rate page and the specific deposit scheme selected at booking. | The revised rates apply to fresh deposits and renewals from 15 August 2026; the prior table effective 15 May 2026 remains relevant as historical evidence, not as today's booking rate. |
These are nominal annual rates from the reviewed first-party schedules. Effective dates can differ, and no universal winner is inferred from one tenure.
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| Tenure | SBI Retail Domestic Term Deposit | SBI Domestic Bulk Term Deposit ₹3 Crore+ |
|---|---|---|
| 1 year | 6.25% · senior 6.75% | 6.25% · senior 6.75% |
| 2 years | 6.40% · senior 6.90% | 6.15% · senior 6.65% |
| 3 years | 6.30% · senior 6.80% | 6.00% · senior 6.50% |
| 5 years | 6.05% · senior 7.05% | 6.00% · senior 6.50% |
Schedule reference: December 15, 2025. SBI retail domestic term-deposit schedule below ₹3 crore effective 15 December 2025, with special-tenure overlays.
Schedule reference: August 15, 2026. SBI domestic bulk term-deposit schedule ₹3 crore and above, revised effective 15 August 2026.
A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.
These tools help narrow or inspect the records. They do not replace bank eligibility, live pricing or account-specific controls.
One side's source depth or freshness never fills a gap in the other record.
These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 9, 2026 · 1 attached first-party source
Reviewed September 9, 2026 · 2 attached first-party sources