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State Bank of

State Bank of India

SBI State Government Salary Package (SGSP)

Salary Account

—Interest

—Min. Balance

—Term

Salary-package benefits can be withdrawn if salary is not credited for more than 3 consecutive months and account is converted to normal savings account.Fees

✓ Zero-balance account; free unlimited SBI ATM transactions; personal accident cover up to ₹20 lakh; air accident cover up to ₹30 lakh; loan benefits and processing-fee discounts; locker-charge discount; auto-sweep.

State Bank of

State Bank of India

SBI Special Term Deposit (STDR)

Special Term Deposit

—Interest

—Min. Balance

₹1,000Term

Premature withdrawal penalty: 0.50% for deposits up to ₹5 lakh; 1% above ₹5 lakh, subject to SBI terms.Fees

✓ Compounded interest paid at maturity; loan against deposit; premature closure subject to rules.

State Bank of

State Bank of India

SBI Diamond Current Account

Current Account

—Interest

₹5,00,000Min. Balance

—Term

—Fees

State Bank of

State Bank of India

SBI Recurring Deposit

Recurring Deposit

—Interest

₹100 per monthMin. Balance

—Term

Delayed instalment penalty ₹1.50 per ₹100 per month for tenor up to 5 years; ₹2 per ₹100 per month for tenor above 5 years. ₹10 service charge in specified default-at-maturity cases. Premature withdrawal penalty as per SBI rules.Fees

✓ Regular monthly deposits; loan/OD against deposit; nomination; transferability among branches; universal passbook.

State Bank of

State Bank of India

SBI Non-Callable Term Deposit – Retail (NCD-R)

Non-Callable Term Deposit

—Interest

₹1,00,01,000Min. Balance

—Term

Premature withdrawal strictly not allowed except specified legal/death/set-off cases; TDS applicable.Fees

✓ Higher rate than card rate for specified tenors; loan facility available.

State Bank of

State Bank of India

Basic Savings Bank Deposit Small Account

Savings Account

—Interest

—Min. Balance

—Term

Maximum 4 withdrawals per month; monthly withdrawal/transfer aggregate ₹10,000; annual credits capped at ₹1 lakh; balance capped at ₹50,000.Fees

✓ Basic RuPay ATM-cum-debit card; no annual maintenance charge; electronic NEFT/RTGS credits free; government cheque collection free; no account closure charges.

State Bank of

State Bank of India

SBI Digital Savings Account

Savings Account

—Interest

—Min. Balance

—Term

Cheque book charges as applicable to normal savings account; annual debit-card maintenance as per extant guidelines.Fees

✓ Digital account operation; option to convert to normal savings account after applicable process; email/audio-visual statement; Green PIN for ATM.

State Bank of

State Bank of India

SBI Insta Plus Savings Bank Account

Savings Account

—Interest

—Min. Balance

—Term

—Fees

✓ 24x7 account opening; paperless opening; no branch visit; NEFT/IMPS/UPI through YONO or Internet Banking; SMS alerts; account transfer through Internet Banking.

State Bank of

State Bank of India

Branch Assist Savings Account – Aadhaar Based

Savings Account

—Interest

—Min. Balance

—Term

—Fees

✓ Single branch visit; 24x7 access through YONO, Internet Banking and Mobile Banking; nomination facility.

State Bank of

State Bank of India

Branch Assist Savings Account – Officially Valid Documents

Savings Account

—Interest

—Min. Balance

—Term

—Fees

✓ Single branch visit; 24x7 YONO, Internet Banking and Mobile Banking access; nomination facility.

State Bank of

State Bank of India

SBI Savings Plus Account

Savings Account

—Interest

—Min. Balance

—Term

SBI page states threshold above ₹25,000 (customer determined), with minimum one-time transfer ₹10,000 and multiples of ₹1,000.Fees

✓ Auto-sweep to MODS; surplus above threshold transferred to term deposit in ₹1,000 multiples.

State Bank of

State Bank of India

SBI Term Deposit / Fixed Deposit

Fixed Deposit

—Interest

—Min. Balance

₹1,000Term

TDS as per Income Tax Rules; premature withdrawal penalty as per SBI rules.Fees

✓ Guaranteed-return term deposit; choice of interest payout; loan/OD facility; premature withdrawal subject to rules; transferability among branches.

State Bank of

State Bank of India

SBI Multi Option Deposit Scheme (MODS)

Term Deposit / Auto Sweep

—Interest

₹15,000 minimum TDR/STDR unitMin. Balance

₹15,000 and multiples of ₹5,000Term

Premature penalty as per extant clause; TDS as applicable.Fees

✓ Auto-sweep surplus from linked savings account; reverse sweep; loan/OD facility; partial withdrawal.

State Bank of

State Bank of India

Basic Savings Bank Deposit Account (BSBD)

Savings Account

—Interest

—Min. Balance

—Term

Minimum four free withdrawals per month including transfers and ATM transactions; digital payment transactions excluding ATM are not counted as withdrawals.Fees

✓ Free basic RuPay ATM-cum-debit card; no annual maintenance charge; no account closure charge; government cheque collection free; digital payment transactions such as UPI/IMPS/NEFT/RTGS are not counted as withdrawals.

State Bank of

State Bank of India

SBI Insta Saving Account

Savings Account

—Interest

—Min. Balance

—Term

Minimum balance as defined for normal Savings Bank Account; maximum balance ₹1 lakh; annual credit summation limit ₹2 lakh.Fees

✓ Can be opened through YONO; digital onboarding.

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