SBI Interest Rates on FD: Latest Fixed Deposit Guide for Indian Savers
If you are searching for sbi interest rates on fd, you are probably trying to answer a practical money question: where should you park your savings safely, for how long, and how much post-tax interest can you actually keep? Fixed deposits remain one of India’s most trusted saving products because they are simple, predictable and easier to understand than many market-linked investments. Yet the real decision is not as simple as selecting the highest visible rate on a bank website.
SBI fixed deposit rates vary by tenure, deposit amount, resident or NRI status, senior citizen eligibility, special deposit schemes and whether the deposit is callable or non-callable. A 444-day deposit may look attractive, but your goal may need money in six months. A five-year deposit may suit a retiree’s income plan, but the tax impact can be different for a salaried person in a higher slab. Similarly, a senior citizen may receive an additional benefit, while a super senior citizen may need to check specific product exclusions before assuming that every deposit qualifies for extra interest.
In Indian financial planning, FD selection should be connected with your emergency fund, near-term goals, income tax return, Form 15G or 15H eligibility, TDS, retirement cash flow, NRI deposit rules and the opportunity cost of not investing elsewhere. This guide explains SBI FD rates in a practical way, using current official SBI rate information available at the time of writing, and shows how to plan deposits without ignoring taxes and liquidity. WealthSure can support you with personal tax planning, investment-linked decision support and tax filing where FD interest must be reported accurately.
Table of Contents
Latest SBI Interest Rates on FD: Quick Snapshot for Retail Deposits
For resident retail domestic term deposits below ₹3 crore, the official SBI rate card available at the time of writing shows revised rates effective from 15 December 2025 and the page was last updated on 1 May 2026. SBI states that rates are expressed as percentage per annum. Always recheck the latest card on the official SBI retail domestic term deposit rates page before booking a deposit because bank rates can change without the article you are reading being updated instantly.
| Tenure | General Public Rate | Senior Citizen Rate | Planning View |
|---|---|---|---|
| 7 days to 45 days | 3.05% p.a. | 3.55% p.a. | Useful only for very short parking, not wealth creation. |
| 46 days to 179 days | 4.90% p.a. | 5.40% p.a. | May suit temporary liquidity needs. |
| 180 days to 210 days | 5.65% p.a. | 6.15% p.a. | Good for short-term planned expenses. |
| 211 days to less than 1 year | 5.90% p.a. | 6.40% p.a. | Can be considered for goals within one year. |
| 1 year to less than 2 years | 6.25% p.a. | 6.75% p.a. | Balanced choice for medium-term savings. |
| 2 years to less than 3 years | 6.40% p.a. | 6.90% p.a. | Often attractive for planned medium-term goals. |
| 3 years to less than 5 years | 6.30% p.a. | 6.80% p.a. | Works where money is not needed soon. |
| 5 years and up to 10 years | 6.05% p.a. | 7.05% p.a. including SBI We-care premium, subject to conditions | May suit retirees seeking predictable income, but tax impact matters. |
| Amrit Vrishti specific tenor: 444 days | 6.45% p.a. | Additional benefits may apply as per SBI rules | Can be attractive if the goal horizon fits 444 days. |
Important: Rates above are a planning snapshot based on SBI’s official publicly available rate card accessed for this article. They are not a recommendation to invest. Your actual rate depends on booking date, amount, customer category, product type and bank terms.
How SBI FD Rates Work: More Than Just the Highest Number
An SBI FD is a term deposit where you deposit a lump sum for a chosen period and earn interest based on the rate applicable to that tenure. The rate is usually locked at the time of booking for that deposit. This is why the booking date matters. If SBI revises rates after you open an FD, your existing deposit generally continues at the contracted rate unless the specific product terms say otherwise.
However, your final outcome depends on four moving parts: deposit amount, tenure, interest payout option and taxation. A cumulative FD compounds interest and pays the maturity value at the end, while a non-cumulative FD pays interest monthly, quarterly, half-yearly or annually depending on the product. Retirees may prefer periodic payouts for cash flow, while younger savers may prefer cumulative growth for a future goal.
SBI also distinguishes between regular retail deposits, senior citizen deposits, super senior citizen benefits, special schemes, bulk deposits, NRE deposits, FCNR deposits and non-callable deposits. Non-callable deposits may offer higher rates for specific amounts and tenures, but they may restrict premature withdrawal. That makes liquidity planning critical.
In simple terms, the highest headline rate is not always the best FD. A 2-year deposit may offer a better rate than a 5-year deposit for the general public, but a senior citizen may see a different outcome in the 5-year-plus category due to specific benefit structures. A taxpayer in the 30% slab may find that post-tax yield is lower than expected. A person with emergency needs may regret locking funds into a deposit that is hard to break or costly to withdraw early.
How to Choose the Right SBI FD Tenure
Many savers begin by asking, “Which SBI FD has the highest rate?” A better question is, “Which SBI FD tenure matches my goal, tax situation and liquidity needs?” Your money should be available when you need it. If you choose a long tenure only for a slightly higher rate and then break the FD early, the final return may disappoint you after premature withdrawal rules and taxes.
Use goal matching before rate chasing
Match the maturity date with the intended use of money. If you need school fees in eleven months, a 2-year deposit may not be ideal. If you are building a one-year emergency buffer, a mix of savings account, sweep FD and short-term FD may work better than one long deposit. If you are a retiree, laddering FDs across 1-year, 2-year and 3-year maturities can reduce reinvestment risk.
Consider laddering instead of one large FD
FD laddering means splitting your money across different maturity periods. For example, instead of placing ₹9 lakh in one FD, you may use three deposits of ₹3 lakh each maturing in one, two and three years. This can create periodic liquidity and reduce the pressure to break the entire deposit. It also helps you reinvest part of your money if rates move upward later.
Check callable vs non-callable terms
A callable FD allows premature withdrawal subject to bank rules and possible penalty. A non-callable FD may provide a higher rate for specific deposit sizes, but withdrawal flexibility can be limited. SBI’s rate card mentions non-callable retail deposits from ₹1.01 crore to less than ₹3 crore with additional rate benefits for certain tenures. These may suit only investors who are confident they will not need the money early.
Tax Impact of SBI FD Interest: What Indian Depositors Should Know
FD interest is not tax-free merely because TDS has been deducted. In most domestic cases, fixed deposit interest is generally taxable as income from other sources and is added to your total income. Your final tax depends on your slab, selected tax regime, deductions, age, residential status and other income. The official Income Tax Department should be checked for current tax rules, and the Income Tax e-Filing portal should be used for filing and verification.
The Income Tax Department’s TDS rate table includes section 194A for income by way of interest other than interest on securities, commonly at 10% where PAN and other conditions are properly met. However, TDS is only a collection mechanism. If your slab rate is higher than the TDS rate, you may still have additional tax payable. If your income is below taxable limits and you are eligible, you may consider Form 15G or Form 15H as applicable, but these forms should not be submitted incorrectly.
FD interest should also be considered while estimating advance tax, especially for high-income taxpayers, professionals, retirees with significant deposits and investors with multiple banks. If your total tax liability after TDS is material, ignoring FD interest can lead to interest liability or mismatch at the time of ITR filing.
FD interest can quietly change your tax outcome. WealthSure can help you map interest income, deductions, tax regime selection and ITR reporting through personal tax planning and expert-assisted tax filing.
Post-tax FD return example
Suppose a person invests ₹5,00,000 in an SBI FD at 6.40% p.a. for simplicity. The annual interest would be around ₹32,000 before compounding adjustments. If the person falls in a 20% slab, the tax effect may reduce the post-tax return meaningfully. If the person falls in a 30% slab, the net return falls further. That does not make the FD bad; it simply means the depositor must compare the post-tax result with the goal and risk profile.
SBI FD Planning for Senior Citizens and Super Senior Citizens
Senior citizens often prefer fixed deposits because they value predictable income, capital safety and ease of operation. SBI’s official retail domestic term deposit rate card shows higher rates for senior citizens across eligible tenures. It also mentions additional premium under the SBI We-care deposit scheme for the 5-years-and-up-to-10-years bucket, subject to conditions. For super senior citizens aged 80 years and above, SBI mentions an additional benefit of 10 basis points over the senior citizen rate, with certain exclusions.
However, senior citizens should not evaluate an FD only by rate. They should also consider monthly cash flow, medical emergency liquidity, nomination, joint holding, tax on interest, Form 15H eligibility, estate planning, deposit insurance limits and whether the deposit is split across banks or tenures. A retired person depending on FD interest should create a system that supports both income and liquidity.
For retirement planning, WealthSure can help families compare FD income with SCSS, annuity options, debt funds, sweep accounts and other conservative instruments. The goal is not to replace safety with risk, but to ensure the retiree’s money is not locked inefficiently or taxed unexpectedly. Explore retirement planning support if your family needs a structured income plan.
SBI FD Planning for NRIs: NRE, NRO and FCNR Context
NRIs searching for SBI FD rates should be careful because resident FD rates and NRI deposit rates are not the same product universe. SBI provides separate information for NRE, NRO and FCNR deposits. NRE deposits usually relate to overseas income remitted to India, NRO deposits relate to income earned in India, and FCNR deposits are maintained in foreign currency. Each option has different rules on currency, repatriation, tax treatment and suitability.
The official SBI NRE fixed deposit interest rate page should be checked by NRIs before making a decision. For broader banking and regulatory context, investors may also refer to the Reserve Bank of India. NRIs should avoid using resident savings accounts once their residential status changes, and they should review tax residency, DTAA, Indian income and reporting obligations carefully.
WealthSure supports NRIs with NRI tax filing service, residential status determination and DTAA advisory, where Indian deposits and foreign tax residency need coordinated planning.
Practical Examples: How Different People Should Read SBI FD Rates
Example 1: Salaried employee saving for a home down payment
Rohan earns a stable salary and wants to keep ₹4 lakh for a home down payment expected in 14 to 16 months. He sees a higher rate in a longer tenure and thinks of booking a 3-year FD. The common mistake is choosing the deposit purely by headline rate without matching the maturity date. If he breaks the FD early, the final return may be lower than expected.
The better approach is to choose a tenure close to the goal date or split the amount into two deposits, one maturing around the expected payment date and another kept liquid for registration, moving or documentation expenses. He should also include FD interest while filing his ITR. WealthSure can help him connect FD planning with goal-based investing support and tax reporting.
Example 2: Freelancer with irregular income building discipline
Ananya is a freelance designer with uneven monthly income. She wants safety, but she also wants discipline. She considers putting all spare cash into one SBI FD. The confusion is that freelancers often need higher liquidity because client payments can be delayed and tax instalments may arise. Locking too much into one FD can create cash-flow stress.
A better structure may include a savings buffer, short-term FDs and a separate tax reserve for advance tax. If her income grows, she may compare FDs with SIPs or debt-oriented instruments for longer-term goals. She should also use advance tax calculation support if FD interest, professional income and TDS do not fully cover her tax liability.
Example 3: Retired parent looking for monthly income
Mrs. Mehta is retired and wants predictable income from her savings. She notices senior citizen FD rates and wants to book the entire amount in one long deposit. The common mistake is ignoring liquidity, nomination, tax and deposit insurance concentration. Even if the rate is attractive, a single large FD can create inconvenience if medical expenses arise.
A practical approach is FD laddering, periodic payout planning and maintaining an emergency reserve. She should check whether Form 15H applies, but only if she is eligible. Her family should also track total interest income while filing returns. WealthSure’s retirement planning support can help align safety, income and tax compliance.
Example 4: NRI comparing Indian FD options
Vikram works in Dubai and wants to invest in India. He searches for SBI FD rates and lands on a resident domestic deposit table. The mistake is assuming the same rate and tax rules apply to his NRI funds. He must first identify whether the money is overseas income, Indian rent, dividend income or proceeds from Indian assets.
Depending on the source of funds and repatriation needs, NRE, NRO or FCNR deposits may be relevant. He should also review Indian tax filing requirements and DTAA. WealthSure can help through NRI tax filing service and cross-border tax advisory, without assuming that one deposit type fits every NRI.
SBI FD vs RD vs SIP vs Debt Funds: Where Does an FD Fit?
SBI fixed deposits are useful when safety, predictability and defined maturity matter. But they are not the only financial planning tool. A recurring deposit may help someone save monthly. A SIP may suit long-term market-linked wealth creation. Debt funds may offer portfolio flexibility but carry market, credit and taxation considerations. The right choice depends on goal type, time horizon and risk appetite.
| Option | Best Used For | Risk | Tax View | Planning Note |
|---|---|---|---|---|
| SBI FD | Lump-sum parking, emergency buffer, near-term goals | Low banking product risk, subject to bank/product terms | Interest generally taxable at slab rate | Good for predictability and capital preservation. |
| Recurring Deposit | Monthly disciplined saving | Low banking product risk | Interest generally taxable | Useful when you do not have a lump sum. |
| SIP in Mutual Funds | Long-term wealth creation | Market-linked risk | Depends on fund type and holding period | Returns are not guaranteed; suitable for longer horizons. |
| Debt Funds | Portfolio diversification and liquidity planning | Market, interest-rate and credit risk | Depends on current tax rules | Needs product selection and risk review. |
For many investors, the answer is not FD or SIP. It can be FD for near-term safety, SIP for long-term goals, insurance for risk protection and tax planning for compliance. WealthSure’s investment-linked tax planning can help you connect these decisions instead of treating them as separate products.
Common Mistakes While Choosing SBI FD Rates
- Looking only at the highest rate: The highest rate may not match your goal date or liquidity need.
- Ignoring tax: FD interest is generally taxable, so post-tax return matters more than headline return.
- Submitting Form 15G or 15H casually: These forms should be used only when the taxpayer is eligible.
- Not checking senior citizen conditions: Extra rates may depend on tenure, scheme and product rules.
- Putting all money in one FD: Splitting deposits can help with liquidity, maturity planning and family needs.
- Forgetting interest in ITR: Interest should be reported correctly even when TDS has been deducted.
- Not validating NRI status: NRIs should not assume resident FD rules apply to NRE, NRO or FCNR deposits.
- Ignoring deposit insurance concentration: DICGC insures principal and interest up to ₹5 lakh per depositor per bank, as explained by RBI’s common person FAQ on deposit insurance.
Checklist Before Booking an SBI Fixed Deposit
| Checklist Item | Why It Matters | Action |
|---|---|---|
| Latest SBI rate checked | Rates change by date and tenure. | Verify on official SBI page before booking. |
| Goal date identified | Prevents early withdrawal. | Match maturity date with need. |
| Tax slab considered | Post-tax return may differ sharply. | Estimate FD interest in annual income. |
| TDS and Form 15G/15H reviewed | Incorrect declarations can create compliance issues. | Use forms only if eligible. |
| Senior citizen conditions checked | Special rates may have terms. | Read product rules before investing. |
| Liquidity assessed | Premature withdrawal may reduce returns. | Keep emergency money separately. |
| Nomination updated | Supports family financial continuity. | Add or update nominee details. |
| ITR reporting planned | Avoids mismatch and notice risk. | Keep interest certificates and bank statements. |
FAQs on SBI Interest Rates on FD
1. What are SBI interest rates on FD and why should I check them before investing?
SBI interest rates on FD are the annual rates State Bank of India offers on fixed deposits for different tenures, amounts and depositor categories. You should check them before investing because the difference between two tenures can materially affect your maturity value, especially when the deposit amount is large. For example, a 444-day deposit, a 2-year deposit and a 5-year deposit may have different rates and different suitability. The best tenure is not automatically the one with the highest rate. It should match your goal date, liquidity requirement and tax position.
Checking the official SBI rate card also prevents outdated decisions. Online articles, social media posts and screenshots can remain visible even after rates change. SBI updates deposit rates based on its internal policies, market conditions, deposit demand and broader interest-rate environment. If you are a senior citizen, NRI or high-value depositor, you must also confirm whether the rate applies to your exact deposit type. WealthSure recommends using SBI’s official rate page as the final source before booking and then evaluating the post-tax result before committing your funds.
2. Which SBI FD tenure is currently attractive for regular depositors?
As per SBI’s official retail domestic term deposit rate card available at the time this article was prepared, the 444-day Amrit Vrishti specific tenor and the 2-years-to-less-than-3-years bucket appear attractive for regular public deposits below ₹3 crore compared with some other tenures. However, that does not mean every investor should choose these tenures. If your money is needed in six months, a 444-day or 2-year deposit may create liquidity pressure. If you need retirement income, payout frequency may matter more than a small rate difference.
The correct approach is to shortlist tenures that match your goal and then compare rates within those tenures. You should also evaluate whether you want cumulative interest or periodic payout. If you are in a high tax slab, a higher pre-tax rate may still produce a modest post-tax return. If you are booking multiple FDs, laddering across tenures can reduce reinvestment and liquidity risk. WealthSure can help you compare FD rates with your broader tax and investment plan instead of making a rate-only decision.
3. Are SBI FD rates different for senior citizens?
Yes, SBI generally provides additional interest benefits to senior citizens on eligible retail domestic term deposits. The official rate card used for this article shows senior citizen rates higher than regular public rates across listed tenures. It also mentions an additional premium under the SBI We-care deposit scheme for eligible 5-years-and-up-to-10-years deposits, subject to conditions. SBI has also mentioned additional benefits for super senior citizens aged 80 years and above, with specific exclusions for some schemes and deposit types.
Senior citizens should read scheme terms carefully before assuming that every SBI deposit qualifies for every extra benefit. For example, specific products such as recurring deposits, tax-saving schemes, MODS, capital gains schemes or non-callable deposits may have different rules or exclusions for super senior benefits. Senior citizens should also consider taxability, Form 15H eligibility, periodic payout requirements, nomination and emergency liquidity. A slightly higher rate is helpful, but a complete retirement income plan should balance safety, liquidity and post-tax cash flow.
4. Is SBI FD interest taxable in India?
Yes, interest from most resident domestic fixed deposits is generally taxable in India. It is usually reported under “Income from other sources” and added to your total income. Your final tax depends on your applicable slab rate, income level, deductions, exemptions, tax regime choice and other facts. This means a person in a lower slab and a person in a higher slab can earn the same SBI FD interest but keep different post-tax amounts. Tax planning should therefore focus on post-tax return, not only the pre-tax FD rate.
Many taxpayers wrongly assume that because the bank deducted TDS, their tax compliance is complete. That is not always true. TDS may be lower or higher than final tax liability. If your slab rate is higher than the TDS rate, additional tax may be payable. If excess TDS is deducted, you may need to file your income tax return correctly to claim a refund, subject to Income Tax Department processing. WealthSure can assist with Income Tax Return filing online and reporting FD interest accurately.
5. Does TDS apply to SBI fixed deposit interest?
TDS may apply to SBI fixed deposit interest when the relevant income tax rules, thresholds and conditions are met. The Income Tax Department’s TDS rate information includes section 194A for interest other than interest on securities, generally showing a 10% rate where PAN and other conditions are satisfied. However, the actual TDS treatment depends on the latest law, the depositor’s status, interest amount, PAN availability and declarations such as Form 15G or 15H where valid. You should not treat this article as a substitute for current tax law verification.
Remember that TDS is not the same as final tax. If your total income places you in a higher tax slab, you may owe additional tax even after TDS. If your income is below the taxable limit and you are eligible, you may use Form 15G or Form 15H to request non-deduction, but incorrect submission can create compliance issues. At the time of ITR filing, reconcile FD interest with bank interest certificates, Form 26AS, AIS where relevant and your actual income records.
6. Is a 5-year SBI tax-saving FD good for tax saving?
A 5-year tax-saving FD may qualify for deduction under section 80C if it meets prescribed conditions, but investors should evaluate it carefully. The principal invested may be eligible for deduction within the overall section 80C limit, subject to applicable law and regime choice. However, the interest earned on tax-saving FDs is generally taxable. Also, tax-saving FDs usually come with a lock-in period, which means liquidity is restricted. If you may need the money before maturity, this product may not be suitable despite the deduction benefit.
Tax-saving decisions should not be made in isolation. Under the new tax regime, many deductions are restricted or unavailable, so the benefit may differ from the old regime. You should compare ELSS, PPF, EPF, life insurance premium, principal repayment of home loan and other 80C options where relevant. WealthSure can help you with tax saving suggestions and regime comparison so that your tax-saving investment also fits your liquidity, risk and long-term goals.
7. Should I choose SBI FD or SIP for my savings?
SBI FD and SIPs are designed for different purposes. An SBI FD offers predictable interest and a defined maturity value, subject to product terms. It is generally useful for emergency funds, short-term goals, conservative savings and capital preservation. A SIP is a method of investing regularly in mutual funds, which are market-linked. SIP returns are not guaranteed and can fluctuate, but equity-oriented SIPs may be suitable for long-term wealth creation for investors with the right risk tolerance and time horizon.
A practical investor may use both. For example, money needed for a child’s school fee next year may be kept in an FD or RD, while money for a child’s higher education ten years later may be invested through suitable SIPs after risk assessment. Tax treatment also differs across products. FDs are generally taxed at slab rates on interest, while mutual fund taxation depends on fund type and holding period under current law. WealthSure can support goal-based investing support to match instruments with timelines.
8. Can NRIs invest in SBI FDs?
Yes, NRIs can invest through appropriate SBI deposit products such as NRE, NRO or FCNR deposits, depending on the source of funds, desired currency, repatriation needs and tax position. However, NRIs should not casually use resident domestic FD rates for planning because NRI deposits have separate rate cards and rules. NRE deposits, NRO deposits and FCNR deposits can differ in tax treatment, currency exposure, repatriability and operational requirements. The right choice depends on whether the money is earned outside India, earned in India or maintained in foreign currency.
NRIs should also consider residential status under Indian tax law, DTAA benefits, foreign country tax rules and Indian reporting obligations. For instance, interest from certain NRE deposits may receive different tax treatment from NRO deposits, but eligibility depends on status and conditions. If an NRI has Indian rent, capital gains, dividends or business income, tax filing may be required. WealthSure’s NRI tax filing service can help coordinate deposit income with Indian tax compliance.
9. What happens if I break an SBI FD before maturity?
If you break an SBI FD before maturity, the final interest may be recalculated based on the period for which the deposit actually remained with the bank, and a premature withdrawal penalty or condition may apply depending on the deposit product. RBI guidance allows banks to determine premature withdrawal rules and penal rates, and depositors should be made aware of those rates. Therefore, before booking an FD, you should read the premature closure terms carefully. This is especially important for large deposits, senior citizen income plans and non-callable products.
Before breaking an FD, consider whether you can use another liquidity source. Some investors may consider a loan against FD instead of premature withdrawal, depending on bank terms and cost. Others may break only one smaller FD if they have laddered deposits. The decision should consider emergency urgency, interest loss, tax impact and reinvestment opportunity. WealthSure generally encourages deposit planning that avoids unnecessary premature closure by keeping a separate emergency fund and using multiple maturities.
10. How can WealthSure help me plan around SBI interest rates on FD?
WealthSure can help you use SBI FD rates as part of a complete financial plan rather than as a standalone rate comparison. For individuals, this may include estimating post-tax FD returns, deciding between cumulative and payout options, comparing FD with RD or SIP, planning emergency funds and reporting interest correctly in the ITR. For senior citizens, it may include retirement income planning, Form 15H review, tax projection and deposit laddering. For NRIs, it may include residential status review, NRE or NRO income reporting and DTAA coordination where applicable.
WealthSure does not promise guaranteed tax savings, refunds or investment returns. Instead, the focus is on clarity, documentation, tax compliance and suitability-based financial decisions. If your financial life includes salary, professional income, capital gains, rental income, NRI status or retirement cash flow, FD interest can affect your tax return and investment allocation. You can speak to WealthSure for ask a tax expert, tax planning, ITR filing and broader advisory support.
Conclusion: Use SBI FD Rates as a Planning Tool, Not Just a Rate Table
Searching for sbi interest rates on fd is a smart starting point, but the real value comes from choosing the right tenure, understanding tax impact and matching the deposit with your financial goal. SBI fixed deposits can be useful for safety, predictable returns, emergency reserves, retirement income and short-to-medium-term goals. However, a good FD decision should consider post-tax return, liquidity, senior citizen benefits, NRI rules, premature withdrawal conditions and whether the money could be better allocated across other suitable instruments.
Self-service research may be enough when your case is simple and the deposit is small. Expert-assisted support becomes safer when you have high-value deposits, multiple banks, senior citizen income planning, NRI status, professional income, advance tax concerns or uncertainty about ITR reporting. Proactive tax and investment planning can help you avoid avoidable mismatches, underpaid tax, inefficient lock-ins and poor goal alignment.
Plan your FD, tax and long-term wealth together. WealthSure can help you compare fixed deposits with other savings and investment options, estimate tax impact and file your return accurately when interest income must be disclosed.
Explore WealthSure financial advisory servicesAt WealthSure, we don’t just file taxes — we simplify your financial journey and help you build long-term wealth with confidence.
Disclaimer
This article is for general educational and informational purposes only and does not constitute tax, legal, investment or financial advice. SBI FD rates, deposit rules, tax provisions, TDS thresholds, Form 15G/15H eligibility, NRI deposit treatment and regulatory requirements may change. Always verify current rates on the official SBI website and current tax rules on official Income Tax Department resources before investing or filing returns. Fixed deposits provide predictable interest subject to bank terms, but post-tax outcomes vary by individual facts. Market-linked investments carry risk. WealthSure may provide advisory, filing, documentation and compliance support based on user-provided information, but does not guarantee tax savings, refunds, returns or approvals.