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State Bank of IndiaFixed deposit

SBI Domestic Bulk Term Deposit ₹3 Crore+

SBI's ₹3 crore-and-above domestic bulk deposit with a dated rate table that explicitly shows revised August 2026 rates beside the previous May 2026 schedule.

First-party evidencePublished researchReviewed September 9, 2026Active
Current rate evidenceRevised 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 bandDomestic bulk term-deposit schedule applies from ₹3 crore and above; rate bands and special non-callable products may be separate from ordinary retail deposits.
Liquidity / premature withdrawalPremature 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.
Rate / booking conditionThe 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.
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

2 first-party sources
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: October 9, 2026.

Critical decision facts

Rate, tenure, liquidity and booking conditions belong together.

A headline deposit rate is incomplete without the dated schedule, tenure band, customer category and premature-withdrawal rules.

01 · Current rate evidenceRevised 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%.
02 · Tenure / deposit bandDomestic bulk term-deposit schedule applies from ₹3 crore and above; rate bands and special non-callable products may be separate from ordinary retail deposits.
03 · Liquidity / premature withdrawalPremature 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.
04 · Rate / booking conditionThe 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.
Exact product-type evidence

Fixed deposit evidence stays in its own structure.

Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.

Comparable tenure points

Rate anchors you can compare without reading a headline maximum.

Only tenure points directly represented by the reviewed bank schedule are stored. We do not interpolate a rate between published bands.

Research matrix: Tenure; General; Eligible senior
TenureGeneralEligible senior
14 days4.25%4.75%
45 days4.75%5.25%
179 days4.85%5.35%
210 days5.50%6.00%
1 year6.25%6.75%
2 years6.15%6.65%
3 years6.00%6.50%
5 years6.00%6.50%

Rate basis: SBI domestic bulk term-deposit schedule ₹3 crore and above, revised effective 15 August 2026. · Effective/reference date: August 15, 2026

Rate history

Dated deposit-rate snapshots.

Effective-date evidence is preserved instead of silently replacing an older rate when a bank reprices new deposits.

Observed September 9, 2026
Revised ₹3Cr+ bulk public schedule: 4.25% (7–14d), 4.75% (15–45d), 4.85% (46–179d), 5.50% (180–210d), 5.60% (211d to <1y), 6.25% (1y to <2y), 6.15% (2y to <3y), 6.00% (3y–10y).

SBI domestic bulk term deposits ₹3 crore and above — revised public rates.

Observed September 9, 2026
₹3Cr+ bulk public rates revised to 4.25%–6.25% across listed tenors; senior rates 4.75%–6.75%.

SBI domestic bulk term-deposit schedule ₹3 crore and above, revised effective 15 August 2026.

Observed August 14, 2026
Previous ₹3Cr+ bulk public schedule: 4.50% (7–14d), 5.00% (15–45d), 5.10% (46–179d), 5.60% (180d to <1y), 6.25% (1y to <2y), 6.15% (2y to <3y), 6.00% (3y–10y).

SBI domestic bulk term deposits ₹3 crore and above — existing public rates before the 15 August 2026 revision.

Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Current rate evidenceRevised 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 bandDomestic 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 featuresFirst-party schedule exposes both current and immediately previous rate columns, allowing transparent change tracking rather than replacing old figures silently.
Liquidity / premature withdrawalPremature 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.
EligibilityEligible public and senior-citizen domestic bulk depositors under SBI's current deposit rules; entity/category rules and special deposits can differ.
Rate / booking conditionThe 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.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Businesses, institutions and high-value depositors comparing large SBI term deposits where deposit band and effective date materially change the rate.

Verify before relying
  • This is not the standard below-₹3-crore retail FD table.
  • Bulk deposit rates can change more frequently and may vary by amount band.
  • Premature withdrawal uses a separate 1% penalty rule.
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.