SBI Recurring Deposit
SBI's standard recurring deposit uses regular monthly instalments over 12–120 months and applies the corresponding term-deposit rate for public or senior-citizen customers.
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
Recorded source review date, not a claim that the product changed that day.
Target recheck: October 9, 2026.
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.
Recurring 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.
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.
| Tenure | General | Eligible senior |
|---|---|---|
| 1 year | 6.25% | 6.75% |
| 18 months | 6.25% | 6.75% |
| 2 years | 6.40% | 6.90% |
| 3 years | 6.30% | 6.80% |
| 4 years | 6.30% | 6.80% |
| 5 years | 6.05% | 7.05% |
Rate basis: SBI RD product page points to the corresponding term-deposit rate; anchors use the current below-₹3-crore schedule effective 15 December 2025. · Effective/reference date: December 15, 2025
Dated deposit-rate snapshots.
Effective-date evidence is preserved instead of silently replacing an older rate when a bank reprices new deposits.
SBI RD product page points to the corresponding term-deposit rate; anchors use the current below-₹3-crore schedule effective 15 December 2025.
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.
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.
SBI customers seeking a long-tenure disciplined savings plan with a very low ₹100 monthly starting amount and transparent missed-instalment rules.
- Check the exact tenure-specific term-deposit rate on the booking date.
- Six consecutive missed instalments can lead to premature closure.
- Premature withdrawal penalties differ above and below ₹5 lakh principal.
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.
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.
When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.
This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.