Headline rates
1-year retail
State Bank of India
1-year retail
Union Bank of India
5-year retail
State Bank of India
5-year retail
Union Bank of India
On the 1-year retail rate, State Bank of India leads by +5 bps.
Worked example
What ₹10 lakh would earn over 1 year.
State Bank of India
Union Bank of India
Difference: ₹500 over the year. Simple-interest approximation; actual yield depends on compounding frequency.
Rate × tenor
The full curve.
Slab-by-slab
Every tenor, both banks.
| Tenor | Bucket | Rate |
|---|---|---|
| 7 days to 45 days | MEDIUM | 3.05% |
| 46 days to 179 days | MEDIUM | 4.90% |
| 180 days to 210 days | MEDIUM | 5.65% |
| 211 days to less than 1 year | MEDIUM | 5.90% |
| 1 year to less than 2 year | LONG | 6.25% |
| 444 days (Amrit Vrishti) | LONG | 6.45%★ best |
| 2 years to less than 3 years | LONG | 6.40% |
| 3 years to less than 5 years | LONG | 6.30% |
| 5 years and up to 10 years | ULTRA-LONG | 6.05% |
| Tenor | Bucket | Rate |
|---|---|---|
| 7 days to 14 days | SHORT | 2.70% |
| 15 days to 30 days | SHORT | 2.80% |
| 31 days to 45 days | MEDIUM | 3.00% |
| 46 days to 90 days | MEDIUM | 4.00% |
| 91 days to 120 days | MEDIUM | 4.30% |
| 121 days to 180 days | MEDIUM | 4.75% |
| 181 days to 270 days | MEDIUM | 5.40% |
| 271 days to 364 days | MEDIUM | 5.60% |
| 1 year to 399 days | LONG | 6.20% |
| 400 days | LONG | 6.25% |
| 401 days to 443 days | LONG | 6.25% |
| 444 days | LONG | 6.50% |
| 445 days to 554 days | LONG | 6.15% |
| 555 days | LONG | 6.65%★ best |
| 556 days to 996 days | LONG | 6.15% |
| 997 days | LONG | 6.10% |
| 998 days to 3 years | LONG | 6.10% |
| Above 3 years to 10 years | ULTRA-LONG | 6.00% |
Pick any two banks
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Or jump to a single bank: State Bank of India FD rates · Union Bank of India FD rates