Compare SBI Retail Domestic Term Deposit and HDFC Bank Fixed Deposit using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
SBI customers and conservative savers who value a large public-sector bank and want to compare standard tenure rates with SBI's special-tenure deposit offers before booking.
Savers who want a large-bank fixed deposit with tenures from days to years and are willing to choose the tenure based on the current dated rate table rather than an evergreen headline rate.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/sbi-retail-domestic-term-deposit-vs-hdfc-bank-fixed-deposit/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
1 attached source. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 10, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.
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| Decision factor | SBI Retail Domestic Term Deposit | HDFC Bank Fixed Deposit |
|---|---|---|
| Current rate evidence | The reviewed SBI retail schedule below ₹3 crore is effective from 15 December 2025: standard public rates run from 3.05% to 6.40% p.a.; the 444-day Amrit Vrishti special tenor is listed at 6.45% p.a. | For retail deposits below ₹3 crore, the reviewed table applicable from 19 August 2026 ranges from 2.75% to 6.50% p.a. for general customers and from 3.25% to 7.10% p.a. for eligible resident senior citizens. |
| Tenure / deposit band | Retail domestic rate table applies below ₹3 crore, with tenures beginning at 7 days; non-callable deposits from ₹1,00,01,000 use a separate premium table. | Retail rate table covers deposits below ₹3 crore across tenures from 7 days to 10 years; NRE deposits have separate minimum-tenure rules. |
| Payout / deposit features | Senior citizens receive additional rates, and SBI separately publishes special-tenure products such as Amrit Vrishti and Green Rupee Term Deposit. | Cumulative/reinvestment and payout options are available under current deposit terms; senior citizens receive tenure-specific additional rates on eligible resident deposits. |
| Liquidity / premature withdrawal | Standard, non-callable and special-scheme deposits have different withdrawal/tenure conditions; the controlling product terms must be checked before booking. | Premature withdrawal can reduce the applicable interest rate and may attract the bank's prevailing penalty; large/non-withdrawable deposits use separate rate tables. |
| Eligibility | Eligible resident depositors under SBI's current term-deposit/KYC rules; special senior and super-senior benefits have their own eligibility. | Resident individuals and other eligible depositors under HDFC Bank's current deposit-opening/KYC rules; NRE/NRO treatment differs by deposit type. |
| Rate / booking condition | Rates are governed by SBI's current interest-rate page and the specific deposit scheme selected at booking. | The applicable rate is the rate available when the deposit is actually booked; customers should confirm the final rate on the booking screen or branch advice. |
These are nominal annual rates from the reviewed first-party schedules. Effective dates can differ, and no universal winner is inferred from one tenure.
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| Tenure | SBI Retail Domestic Term Deposit | HDFC Bank Fixed Deposit |
|---|---|---|
| 1 year | 6.25% · senior 6.75% | 6.25% · senior 6.75% |
| 18 months | 6.25% · senior 6.75% | 6.45% · senior 6.95% |
| 2 years | 6.40% · senior 6.90% | 6.45% · senior 6.95% |
| 3 years | 6.30% · senior 6.80% | 6.45% · senior 6.95% |
| 4 years | 6.30% · senior 6.80% | 6.50% · senior 7.10% |
| 5 years | 6.05% · senior 7.05% | 6.40% · senior 6.90% |
Schedule reference: December 15, 2025. SBI retail domestic term-deposit schedule below ₹3 crore effective 15 December 2025, with special-tenure overlays.
Schedule reference: August 19, 2026. HDFC Bank Domestic/NRO/NRE fixed-deposit table below ₹3 crore applicable from 19 August 2026.
A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.
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Reviewed September 9, 2026 · 1 attached first-party source
Reviewed September 10, 2026 · 2 attached first-party sources