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  • STATE BANK OF PATIALA FD Rates Reviews

    • State Bank of Patiala Fixed Deposit
      "Excellent Service & Great Interest Rates"
      0.5 5.0/5 "Blown Away!"
      I have been Banking with SBP since my childhood. I took my Education loan also from SBP and i have a 999 days FD with this bank at an interest rate of 9.65%. Great bank in customer service and customer delight. State Bank of Patiala gives a homely feeling.
      Was this review helpful? 8
      , new delhi
      Reviewed on Feb 02, 2016
    • State Bank of Patiala Fixed Deposit
      "Wide network.."
      0.5 3.0/5 "Satisfactory"
      According to my point of view State Bank of Patiala is very good as their network are wide over cities. Interest rate for fixed deposit is of 8.25% and incase we drop the plan in midst of the tenure they will deduct 1% as penalty. Branches and ATM centers are wide in India.
      Was this review helpful? 6
      , chandigarh
      Reviewed on Sep 12, 2015
    • State Bank of Patiala Fixed Deposit
      "Educate the customers well..."
      0.5 3.0/5 "Satisfactory"
      My account is with State Bank of Patiala so I availed Fixed Deposit and another comfort is that the branch is near to my home. Customer service is not outstanding or good because they are not updating customer regarding the account. The bank should give proper updates and they have to give good advises to customers regarding new launches. More than that they have to encourage or educate the customers regarding products.
      Was this review helpful? 5
      , new delhi
      Reviewed on May 14, 2015
    • State Bank of Patiala Fixed Deposit
      "Excellent customer service"
      0.5 5.0/5 "Blown Away!"
      I am having my fixed deposit account with State bank of Patiala where their services are really excellent. I can take my money on my own on renewal basis. If I want to take 10 lakhs , 15 lakhs even after 15 days also I can take. Everytime I used to call over the phone and renewed it. Their interest rates are very fair and good. I am happy to have this account in this bank.
      Was this review helpful? 5
      , bangalore
      Reviewed on Jul 05, 2014
    • State Bank of Patiala Fixed Deposit
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I started a security fixed deposit with State bank of Patiala an year ago. It is an annually renewable policy and I have created submitting very less documents as I was holding a savings account with them. Online facility was quite challenging hence I stopped using it.
      Was this review helpful? 5
      , chandigarh
      Reviewed on Jun 27, 2014
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    State Bank of Patiala Fixed Deposit Rates is Rated as "Excellent!" by 5 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Fixed Deposit BYTES FROM OUR KITCHEN
    rated 4.5/5.0 by 5 users

    State Bank of Patiala Fixed Deposit Rates

    State Bank of Patiala extends extremely competitive interest rates for its Fixed Deposit accounts with short tenures. Short tenure fixed deposits ensure that the investor can maintain sufficient liquidity between investments.

    Tenures as short as 30 days and 60 days earn returns at the rate of 6.5% p.a. These durations are convenient to the investor allowing him/her to maintain regular liquidity through the months.

    90 days and 120 days tenures also offer interest at the rate of 6.5% but obviously will earn more interest as compared to the previous category due to a longer duration. 120 days tenures are also offered with the interest rate of 6.5% p.a.

    The best returns in the short term category can be earned with 60 days tenures.

    The updated list of State Bank Of Patiala FD Rates, for Regular and Senior Citizen, is listed below:

    Tenure Regular FD Rates Senior Citizen FD Rates
    7 days to 45 days 5.50% 6.00%
    46 days to 179 days 6.50% 7.00%
    180 days to 210 days 6.75% 7.25%
    211 days to 364 days 7.00% 7.50%
    1 year to 455 days 6.90% 7.40%
    456 days to 1 year 364 days 6.95% 7.45%
    2 years to 2 years 364 days 6.85% 7.35%
    3 years to 4 years 364 days 6.50% 7.00%
    5 years to 10 years 6.50% 7.00%

    State Bank of Patiala medium and long term Fixed Deposit interest rates

    Fixed Deposit account with medium to long tenures ensure customers with the most lucrative rates of interest. Medium and long term tenures are considered profitable for two basic reasons,

    They have a longer duration, hence more time to gather interest

    They are usually awarded a higher rate of interest by most banks and financial institutions.

    In the medium term category, tenures of 6 months and 9 months are offered with interest rate of 7.75% p.a. whereas fixed Deposit accounts with terms of 1 year are levied with an interest rate of 8% p.a. And Fixed Deposit accounts with terms of 1 year 6 months are awarded 8.8%.

    State Bank of Patiala Fixed Deposit accounts with medium tenures of 6 months and 1 year 6 months are seemingly the most cost effective durations to invest in.

    Long term tenures are always considered to be highly remunerative due the length of their interest earning time. State Bank of Patiala furnishes its customers with high income reaping long term Fixed Deposit accounts. Durations of 2 years, 3 years, 4 years and 5 years are all given a cushy interest rate of 8.8% p.a.

    In the long term Fixed Deposit account category, investments of 3 years seem to be a feasible choice.

    State Bank of Patiala Senior Citizen Fixed Deposit interest rates

    Senior Citizens are not offered any special rates with State Bank of Patiala.

    Tenures of 30 days to 120 days receive interest at the rate of 6.5% p.a. Tenures of 6 months are 9 months receive interest at the rate of 7.75% p.a. Interest rate of 8% p.a. is offered for fixed deposit accounts with tenures of 1 year. Tenures of 1 year 6 months and 2 years are given an interest rate of 8.7 p.a. Long term tenures of 3 years, 4 years and 5 years receive an interest rate of 8.5% p.a.

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