SBI 1-Year FD Returns: How Much ₹2 Lakh Deposit Earns in 365 Days

Check SBI 1-year FD returns on ₹2 lakh deposit. Know interest rates, maturity amount for general and senior citizens.

State Bank of India offers competitive fixed deposit (FD) interest rates across different tenures. For a 1-year FD (365 days), investors depositing ₹2 lakh can earn steady returns depending on their category, including general, senior, and super senior citizens.

SBI 1-Year FD Interest Rates Explained

State Bank of India currently provides interest rates ranging from around 3.05% to 7.05% across various FD tenures.

For a 1-year FD (365 days):

These rates make short-term FDs a popular choice for investors looking for safe and predictable returns.

₹2 Lakh FD Return Calculation (365 Days)

General Citizens

If an individual invests ₹2,00,000 for 1 year at 6.25% interest:

Senior Citizens

For senior citizens at 6.75% interest:

Super Senior Citizens

For super senior citizens at 6.85% interest:

Why 1-Year FD Is Popular

Fixed deposits with a 1-year tenure are widely preferred due to:

• Low risk investment
• Guaranteed returns
• Flexible tenure options
• Higher rates for senior citizens

They are especially useful for investors seeking stability without market-linked risks.

Key Takeaways

• SBI offers attractive returns on 1-year FDs
• ₹2 lakh investment can generate ₹12K–₹14K interest
• Senior citizens benefit from higher interest rates
• FD remains one of the safest investment options in India

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