SBI Bank — Deposit, Savings & Loan Rates in Bangladesh (2016–2026)
See SBI's currently applicable savings, FDR and lending interest rates published by Bangladesh Bank, month-by-month history charts, year-over-year change in basis points, and how this bank ranks against the industry average.
Current FDR rates
Latest peer-reviewed published rates for this bank across all fixed-deposit tenors. Source: Bangladesh Bank, last refreshed September 22, 2026.
| Tenor (Years) | Min Rate | Max Rate |
|---|---|---|
| 3M–6M | 4.00% | 9.50% |
| 6M–1Y | 5.00% | 9.00% |
| 1Y–2Y | 5.00% | 7.25% |
| 2Y–3Y | 5.00% | 7.25% |
| >3Y | 5.00% | 7.35% |
FDR rate over time
View as data table
| Month | Rate (%) |
|---|
Savings & SND rates
Published rates for savings deposits and Special Notice Deposit (SND) tiers. SND rates are intended for institutional / business balances.
Savings rate over time
View as data table
| Month | Rate (%) |
|---|
Lending rates by category
Minimum and maximum rates as published for the most popular lending categories.
| Category | Min Rate | Max Rate | Months of History |
|---|---|---|---|
| Housing Loan | 11.50% | 15.00% | 128 |
| Agriculture Loan | 8.50% | 12.50% | 128 |
| Term Loan (Large & Medium) | 11.75% | 13.75% | 128 |
| Term Loan (Small Industry) | 10.50% | 12.50% | 128 |
| Consumer Credit | 11.50% | 13.00% | 128 |
| Credit Card | 6.00% | 9.00% | 1 |
Lending rates over time
Monthly midpoint of the published min–max rate range for each lending category this bank reports to Bangladesh Bank. Click a legend item to hide / show a category; hover for monthly values.
View as data table
Year-over-year change
How much each rate has moved vs 1, 5, and 10 years ago, plus trailing-12-month trend, update frequency, and range. 100 basis points (bps) = 1.00%. Deposit deltas are green when positive; loan deltas are red when positive (more cost to the borrower).
| Category | Current | 1Y ago | Δ (bps) | Trend (12mo) | Updates (12mo) | Range (12mo) | 5Y Ago | 10Y Ago |
|---|---|---|---|---|---|---|---|---|
| Savings | 2.50% | 2.50% | 0 | Flat | No change | 2.50% – 2.50% | 1.50% | 3.50% |
| FDR 1-Year | 6.13% | 7.00% | -88 | Falling | 1 update | 6.13% – 7.00% | 4.25% | 4.50% |
| FDR 3-Year | 6.13% | 6.13% | 0 | Flat | 2 updates | 6.13% – 7.00% | 4.25% | 4.50% |
| Housing Loan | 12.50% | 12.50% | 0 | Flat | No change | 12.50% – 12.50% | 6.00% | 10.50% |
| Agriculture Loan | 10.50% | 10.50% | 0 | Flat | No change | 10.50% – 10.50% | 7.00% | 8.50% |
| Credit Card APR | 7.50% | — | — | Flat | No change | 7.50% – 7.50% | — | — |
Trend reflects the slope of the last 12 monthly points (Rising if the change exceeds 0.10%). Update count is the number of distinct rate values observed in the last 12 months — a useful proxy for how often the bank actually re-prices this product.
How this bank compares
SBI's published rate vs the simple industry average across all Bangladeshi banks.
| Category | Bank | Industry Avg | Rank | Gap (bps) | 5Y Ago | 10Y Ago |
|---|---|---|---|---|---|---|
| Savings | 3.00% | 4.39% | 46 / 61 | -139 | 1.50% | 3.50% |
| FDR 1-Year | 7.25% | 8.77% | 51 / 61 | -152 | 4.25% | 4.50% |
| FDR 3-Year | 7.25% | 8.33% | 46 / 61 | -108 | 4.25% | 4.50% |
| Housing Loan | 11.50% | 11.74% | 24 / 56 | -24 | 6.00% | 10.50% |
| Agriculture Loan | 8.50% | 10.52% | 11 / 59 | -202 | 7.00% | 8.50% |
| Credit Card APR | 6.00% | 20.89% | 2 / 38 | -1489 | — | — |
For deposit products, a positive gap means the bank pays above the industry average. For lending products, a negative gap means the bank charges below the industry average.
FAQs about SBI rates
Where do these bank interest rates come from?
Why does the historical chart show months with no change as a continuous line?
How is "year-over-year change" calculated?
Are these the actual rates I will get at the branch?
How often is this page updated?
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Disclaimer
* Rates shown are sourced from Bangladesh Bank's Scheduled Banks Deposit & Lending Rate Schedule. The actual rate you receive depends on account type, deposit amount, branch policy, and the bank's relationship-based pricing. * Historical rates represent the rate that was in effect in the published schedule at the start of each month. Months where the bank did not file a change carry the previous rate. * Industry averages and ranks are computed only from data currently published by Bangladesh Bank (latest row per bank). * Investment decisions should consider your personal financial situation and read the bank's actual product documents. This page is for informational purposes only.