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The online FD calculator takes into account the principal amount, applicable SBI FD interest rates, and tenure to calculate the maturity and interest amount in the end.
SBI Fixed Deposit Calculator
Book FDs at Interest rate upto 8.00% p.a
Manage all FDs in one place
No Bank A/C Required
How to Use Paisabazaar’s SBI FD Calculator
The procedure to use Paisabazaar’s FD Calculator is mentioned below:
- Enter the fixed deposit amount, SBI FD interest rate and FD tenure
- Click on ‘Calculate’.
- The principal amount, FD maturity amount and interest amount earned will be reflected immediately
The maturity value of the FD depends on the deposit amount, SBI FD rates, tenure and type of FD chosen, i.e. cumulative FD and non-cumulative FD.
Under non-cumulative FD, SBI offers a quarterly interest pay-out option for all tenures wherein the interest is credited quarterly to the current/savings account of the depositor. On request, depositors can also opt for monthly, half-yearly and annual interest pay-out options for FD tenures of 1 year and above. In the case of the cumulative SBI FD option, the interest component remains invested till the FD maturity.
SBI monthly interest plan is ideal for retired individuals or for depositors who need a fixed monthly income to meet their daily expenses. The reinvestment or cumulative investment option would help the depositor benefit from the power of compounding, as the interest component remains invested in the FD and starts generating interest income on its own.
Explore Investment Options:
| Bonds | Types of Bonds | Bonds vs FD |
| Corporate Bonds | Tax Free Bonds | Capital Gain Bonds |
| Government Bonds | Zero Coupon Bonds | Floating Rate Bonds |
SBI Fixed Deposit Interest Rates – 2026
SBI Fixed Deposit Interest Rates on Domestic Deposits of less than Rs 3 crore w.e.f. 15 December 2025
| Tenors | Interest Rates (p.a.) | |
| General Public | Senior Citizens | |
| 7 days to 45 days | 3.05% | 3.55% |
| 46 days to 179 days | 4.90% | 5.40% |
| 180 days to 210 days | 5.65% | 6.15% |
| 211 days to less than 1 year | 5.90% | 6.40% |
| 1 year to less than 2 years | 6.25% | 6.75% |
| 2 years to less than 3 years | 6.40% | 6.90% |
| 3 years to less than 5 years | 6.30% | 6.80% |
| 5 years and up to 10 years | 6.05% | 7.05%* |
| 444 days (Amrit Vrishti) | 6.45% | 6.95% |
*The above rate includes the additional premium of 50 bps offered under the ”SBI Wecare” fixed deposit scheme.
Interest Rates are updated as of 6 January 2026
Benefits of Using SBI FD Calculator
Here are some of the benefits of using the online SBI FD Calculator:-
Free of Cost
The tool is free of cost and thus can be used multiple times for comparing and analysing returns for different combinations of FD rates, tenure and principal amount.
Saves Time
Manually calculating the maturity value can be time-consuming and laborious which makes room for human errors. The automated process of the Fixed Deposit calculator save hours calculating the returns and provides accurate results.
Know Your Returns in Advance
Before opening a fixed deposit account, the SBI FD interest rate calculator gives you a rough idea of your earnings from your FD in advance, thus helping you make an informed financial decision based on your cash flows and liquidity requirements. The SBI customers can open SBI FD online through net banking and SBI YONO app.