State Bank of Bikaner and Jaipur Fixed Deposit

State Bank of Bikaner and Jaipur (SBBJ), an associate bank of State Bank of India (SBI), India’s largest bank with around 15,000 branches across India and overseas, offers a slew of fixed deposit schemes with attractive interest rates. In addition, senior citizens can avail a benefit of additional interest rate over the applicable rate as on the period of deposit. So, without any ado, let’s get on with the interest rate chart of SBBJ fixed deposits.

Domestic Deposit Rates

Interest Rates for Deposit Below 1 Crore (Rates as on 30th Sep, 2016)

PeriodGeneral PublicSenior Citizens
7-14 Days5.50%5.50%
15-45 Days5.50%5.50%
46-90 Days5.50%5.50%
91-179 Days6.50%6.50%
180 Days-Below 1 Year6.75%7.25%
1 Year-Below 3 Years7.25%7.75%
3 Years7.25%7.75%
3-5 Years7.00%7.50%
Above 5-10 Years7.00%7.50%

Interest Rates for Deposit of 1 Cr-10 Cr (Rates as on 30th Sep, 2016)

PeriodGeneral PublicSenior Citizens
7-14 Days5.50%5.50%
15-45 Days5.50%5.50%
46-90 Days5.50%5.50%
91-179 Days6.50%6.50%
180 Days-Below 1 Year6.75%6.75%
1 Year-Below 3 Years7.20%7.45%
3 Years7.00%7.25%
3-5 Years6.75%7.00%
Above 5-10 Years6.75%7.00%

Tax-Saver Fixed Deposit Rates (Rates as on 30th Sep, 2016)

Period of DepositGeneral PublicSenior Citizens
5 Years7.00%7.50%

NRO Fixed Deposit Rates

Interest Rates for Deposit Below 1 Cr (Rates as on 30th Sep, 2016)

PeriodInterest Rates
7-14 Days5.50%
15-45 Days5.50%
46-90 Days5.50%
91-179 Days6.50%
180 Days-Below 1 Year6.75%
1 Year7.25%
1 Year-Below 3 Years7.25%
3-5 Years7.00%
Above 5-10 Years7.00%

Interest Rates for Deposit of 1 Cr-10 Cr (Rates as on 30th Sep, 2016)

PeriodInterest Rates
7-14 Days5.50%
15-45 Days5.50%
46-90 Days5.50%
91-179 Days6.50%
180 Days-Below 1 Year6.75%
1 Year7.20%
1 Year-Below 3 Years7.00%
3-5 Years6.75%
Above 5-10 Years6.75%

NRE Fixed Deposit Rates

Interest Rates for Deposit Below 1 Crore (Rates as on 30th Sep, 2016)

PeriodInterest Rates
1 Year7.25%
1 Year-Below 3 Years7.25%
3-5 Years7.00%
Above 5-10 Years7.00%

Interest Rates for Deposit of 1 Cr-10 Cr (Rates as on 30th Sep, 2016)

PeriodInterest Rates
1 Year7.20%
1 Year-Below 3 Years7.00%
3-5 Years6.75%
Above 5-10 Years6.75%

SBBJ Fixed Deposit Schemes

The bank offers a wide range of fixed deposit schemes, including SBBJ Flexi Deposit Scheme, Term Deposit Scheme, Special Term Deposit Scheme, Capital Gain Scheme 1988, SBBJ Tax Saver Term Deposit Scheme and Special Scheme for Senior Citizens.

SBBJ Flexi Deposit Scheme

  • Available for NRIs and minors with an age of more than 10 years
  • Savings bank account mandatory to book this scheme
  • Minimum deposit amount- 5,000 and in multiples of 1,000
  • Minimum deposit period-6 months
  • Maximum deposit period-5 years

Term Deposit Scheme

  • Minimum deposit amount-1,000
  • Maximum Deposit Period-10 years
  • You can withdraw interest on a monthly or quarterly basis at discounted rates

Special Term Deposit Scheme

  • Minimum deposit amount-1,000 and in multiples of 100
  • Minimum deposit period-6 months
  • Maximum deposit period-10 years

Capital Gain Scheme 1988

  • Available for individuals, HUFs or associations
  • Eligible for tax exemption under sections  54, 54B, 54D, 54F and 54G of the Income Tax Act.
  • Minimum deposit amount-5,000
  • Maximum deposit amount- 2-3 years
  • Premature withdrawal allowed only after a letter from a competent Income Tax Officer

SBBJ Tax Saver Term Deposit Scheme

  • Comes with a lock-in period of 5 years
  • No premature withdrawal
  • Gains tax exemption under Section 80C of the Income Tax Act

Special Scheme for Senior Citizens

  • Made for senior citizens
  • Additional interest rate over the normal rate

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