SBI RD Interest Rate

SBI Updated its RD Interest Rate last on Monday, 01-12-2025.

As of early 2026, SBI’s recurring deposit interest rates range based on the chosen tenure, with higher returns for senior citizens (additional 0.50% p.a. over standard rates).

Below you can see Updated SBI RD Interest Rates Domestic Term Deposit – General.

SBI RD Interest Rate General

Below you can see Updated SBI RD Interest Rate Domestic Term Deposit for Senior Citizens.

SBI RD Interest Rate Senior Citizen

The interest rates differ based on duration of the deposit. Select your preferred duration.

Below image or GIF you can see how to create a RD on SBI and also interest rate, along with Installment Date (Monthly), Interest, Maturity Details, Interest Payout Maturity Instruction, – Rate of Interest, Maturity Date, No. of Installments and Maturity Amount.

Note: Currently you can open SBI RD for a minimum of 1 year to 10 years.

The post State Bank of India Recurring Deposit RD Interest Rate – Latest Updated Rates appeared first on TechAccent.

ATM Failed Transaction Charges

State Bank of India: If a transaction is declined due to insufficient balance either for a Withdrawal or for a POS transaction then SBI will levy a Charge of Rs 20 + GST.

IDBI Bank: Transaction Decline charges due to insufficient balance at other Bank ATMs in India is Rs 20.

HDFC Bank: Charges for insufficient funds when a POS or ATM transaction is made is Rs 25 + GST

ICICI Bank: Failed Transaction Charges is Rs 25 it can be at other bank ATMs or point of sale (POS), and is charged for each transaction.

Failed Transaction Charges

Axis Bank: If a transaction is declined due to insufficient funds then Axis Bank will charge Rs 25 per transaction this is for any ATM or POS transaction in domestic ATMs.

YES Bank: YES Bank Charges Rs 25 because of insufficient balance or no balance transaction.

Kotak Mahindra Bank: For a Failed ATM transaction fee Kotak Charges Rs 25.

Union Bank of India: Union Bank of India Charges Rs 20 for a Failed ATM Transaction or a POS Transaction and this is same for Andhra Bank and Corporation Bank as both come under Union Bank of India.

Insufficient Balance Charges

Bank of Baroda: Fee/Penalty for the decline of Debit Card Transactions due to insufficient fund in the account is Rs.20 per declined transaction, same for Vijaya Bank and Dena Bank.

Bank of India: For Insufficient Balance Transactions Rs 20 will be charged along with GST.

Note: It’s always better to make sure you have enough balance in your Account before doing a ATM Withdrawal Transaction or a POS Transaction else the bank will charge you for Failed transaction.

The post ATM Card Failed Transaction Charges for SBI HDFC Bank ICICI Bank Kotak Mahindra Axis Bank and Other Banks appeared first on TechAccent.

SBI ATM PIN Change by SMS

You need to send SMS using your registered mobile number which is linked to your SBI account, just send SMS in below format for generating the new SBI ATM cum Debit card PIN.

567676

Format: PIN XXXX YYYY

Example: PIN 1237 9759 and send sms to 567676

Where XXXX is Last 4 Digits of the ATM Card Number

YYYY is Last 4 Digits of your SBI Account Number

Upon sending SMS you will instanly get an acknowledgement SMS like below.

You will charged Rs 3 per sms as 567676 is a short code number.

Your request has been successfully forwarded to bank; you will shortly receive the response from bank

And after 1 min you will receive an OTP SMS message like below to set new PIN at any State Bank of India ATM.

Be aware! Do not share this message. Your One Time PIN is 0457. Set your new PIN at any State Bank ATM within 24hrs(Banking-PIN Change)

Note: You need to set the new ATM PIN within 24 hours at the ATM else the OTP will be expired, you can always regenerate the OTP PIN using above step.

The post How to Generate Change Reset SBI ATM Card PIN by SMS appeared first on TechAccent.

Block SBI ATM Card

SBI ATM/Debit Card can be blocked in 4 ways through Block Card by SMS, Block SBI ATM Card by Toll-Free Number, Online Netbanking and on Yono SBI APP.

Block SBI ATM Card By SMS

From your registered mobile number send an sms in the below format.

Format: BLOCK XXXX and send sms to 567676

where XXXX is the last 4 digits of your ATM or Debit Card Number

Example: BLOCK 3036 and send an sms message to 567676.

Block SBI ATM Card By Toll Free Number

You can now simply block your SBI Debit or ATM Card by just calling SBI Toll-free customer care number.

1800112211

From your registered mobile number dial 1800 112 211 or 1800 425 3800.

The above numbers will also work for Block the card & request for the Reissue of a new card.

Block SBI ATM Card using NetBanking

Visit onlinesbi.com then go to ATM Card Services -> Block ATM Card Under the E-Services Tab.

Now select the account which you want to block the, it will also show the last 4 digits number of the ATM cum Debit card, choose the option.

Now you will receive an OTP by sms enter it and it will block the SBI debit card.

Block SBI ATM Card on Yono App

Login to Yono SBI App

Now go to Service Request in the left side panel

Click on Emergency Tab and Choose Block ATM/Debit Card option.

Enter your Internet Banking profile password and submit to block the card.

Generate SBI ATM PIN

If you want to generate your SBI ATM Debit Card PIN just follow the below steps:

Format: PIN XXXX send sms to 567676

Example: PIN 3036

These services can only be activated for the mobile number that is registered for a particular account with the Bank.

Blocking and Reissuance of your Debit Card has become simple. Just dial our Toll-Free numbers from your Registered Mobile Number, Block the card & request for Reissue.
Toll free numbers: 1800 112 211 or 1800 425 3800.#SBI #IVR #DebitCard #CardBlocking #CardReissue pic.twitter.com/dH9z7QjJ22

— State Bank of India (@TheOfficialSBI) November 1, 2020

The post How to Block SBI ATM Debit Card by SMS, Toll Free Number and Generate ATM PIN bySMS appeared first on TechAccent.

SBI SMS Banking

Before using SBI SMS Banking Service you need Activate/Register a ONE TIME REGISTRATION PROCESS on SBI Banking Service Number.

7208933148

From your registered mobile number send a SMS in below format to the official SBI SMS Banking Number 7208933148.

Format: REG AccountNumber

Example: REG 31011272941 and send SMS to 7208933148

A Confirmation sms will be sent indicating either successful/unsuccessful registration.

Once Successful you can start using SBI SMS Banking Services easily.

SBI Balance Enquiry by SMS

You can know your Current balance on your SBI account.

Format: BAL and send sms to 9223766666

09223766666

Upon sending SMS you will get reply sms as below.

Avail Bal in A/c xxx941: Rs.
11738.10 CR -SBI

SBI Mini Statment by SMS

You can know last 5 transactions on your SBI account by sending SMS as below.

Format: MSTMT and send sms to 9223866666

09223866666

After sending SMS you will receive reply SMS like below.

Avail Bal in A/c xxx950: Rs. 11348.37 CR
14/01/2022: 10000.00 CR,BY TRFR
14/01/2022: 5000.00 DR,TO TRFR
12/01/2022: 307.00 DR,TO TRFR
11/01/2022: 3500.00 CR,BY TRFR
11/01/2022: 1500.00 DR,TO TRFR
-SBI

SBI Cheque Book Request by SMS

Format: CHQREQ and send sms to 09223588888

09223588888

Upon sending SMS You will get an SMS, now Send consent SMS (CHQACCY6 digit no. received in SMS) to 09223588888 within 2 hours for next steps.

SBI E-Statement by SMS

Now you can know your SBI e-statement for last 6 months of your SBI Savings Bank account. This statement will be sent on your registered email ID with password encrypted PDF file

Format: ESTMT AccountNumber code to 09223588888
Example: ESTMT 31011272941 1947

9223588888

Note: Code is any 4 digit number, use this when you receive PDF attachment on registered email address to open.

SBI Home Loan Interest Certificate

Using SMS service you can know your SBI interest certificate of your Home Loan for the Financial Year, this will be sent as an email attachment.

Format: HLI AccountNumber code
Example: HLI 31011272941 1947 to 9223588888

You will receive an email from with an attachment which contains SBI interest certificate.

SBI Education Loan Interest Certificate

You can know interest certificate of your SBI Education Loan for the Financial Year.

Format: ELI AccountNumber code
Example: ELI 31011272941 1947 and send to 09223588888

9223588888

You will receive interest certificate PDF document on your email address.

The post Complete SBI SMS Banking Details Activation Check SBI Balance Mini Statement Cheque Book other Service Details appeared first on TechAccent.

SBI IVR Number

18001234

SBI New Easy Numbers for IVR Services are 18001234 and 18002100.

SBI IVR Services

Below are the banking services you can avail of 24*7 using SBI IVR Contact Centre Numbers.

#1. Account Balance

#2. Last 5 Transactions in your account.

#3. ATM Card Blocking and Dispatch Status or Track Status.

#4. TDS Details & Deposit Interest Certificate by e-mail.

#5. Request for a new ATM Card once if an old one is blocked.

#6. SBI Phone Banking Service.

#7. SBI Loans Service.

How to Use SBI IVR Service

From your registered mobile number dial 18001234 or 18002100

Now the SBI IVR will ask you to select your preferred language for communication.

For Hindi Press 1, English Press 2, Telugu Press 3, Kannada Press 4, Tamil Press 5 for other languages Press 9.

Once your communication language is set, you can start using the SBI IVR Services.

To Block SBI Card Press 1

SBI Balance Check by IVR

To know SBI Account Balance details Press 2, you will also get balance and mini statement details by SMS like below.

Dear Customer, 02/07/2022 22:20, AVAILABLE BALANCE: 7202.48 TXN DETAILS: 27/06/2022 1000.00- DR TO TRANSFER, 25/06/2022 207.00 CR CREDIT INTEREST, 25/06/2022 500.00- DR TO TRANSFER, 25/06/2022 1000.00- DR TO TRANSFER, 24/06/2022 1000.00- DR TO TRANSFER -SBI

For Phone Banking Service Prefered 3

For SBI Loans Press and Enter 4.

Why to go to the branch, when you can just call?

Call SBI Contact Centre toll-free at 1800 1234 or 18002100#SBI #SBIContactCentre #PhoneBanking #AmritMahotsav #AzadiKaAmritMahotsavWithSBI pic.twitter.com/vPH4MO5bGk

— State Bank of India (@TheOfficialSBI) July 2, 2022

The post SBI IVR Number for Account Balance Mini Statement ATM Card Block and Other Service Details appeared first on TechAccent.

SBI Credit Card Balance Enquiry Number

8422845512

SBI Credit Card Balance check missed call number is 8422845512

Just Dial 08422845512 and give a missed call to know Balance Enquiry on your SBI Credit Card.

Upon giving a missed call you will get balance details.

SBI Card Balance Check Number

For SBI Available Credit and Cash Limit

Dial 8422845513 to know Credit & Cash Limit

For SBI Credit Card Reward Points Summary

Dial 8422845514 to know your SBI Credit Card reward points

Give a missed call at 8422845515 to know your SBI Credit Card Last Payment Status.

SBI Card introduces missed call service to access your SBI Card account information. From account balance to reward points enquiry, SBI Cardholders can now dial the respective number & get the information delivered to you instantly via SMS! Know more at: https://t.co/UN7JVaPeZ2 pic.twitter.com/RVOOGCNe9Z

— SBI Card (@SBICard_Connect) May 25, 2018

How to Redeem SBI Credit Card Reward Points

If you want to redeem your SBI reward points follow the below Steps:

Redeeming Reward Points of SBI:

First Log in to sbicard.com and to redeem your reward points for selected items from our Shop-and-Smile Rewards catalog.

Log in to SBI Card App and select ‘Rewards’ from main menu to redeem your reward points for products/vouchers available in our reward catalogue.

Call the SBI Card helpline at 18601801290 or 39020202 (prefix local STD code).

To know your SBI Account Balance by a Missed Call Check this Link.

The post SBI Credit Card Missed Call Balance Enquiry Number Available Credit and Other Details appeared first on TechAccent.

Report SBI Unauthorized Transaction

SBI Debit Card Unauthorized Transaction

You can report in two ways by sending an email and by calling customer care of SBI. See below.

SBI Unauthorized Transaction Customer Care

9449112211

If an Unauthorized Transaction alert happened for your State Bank of India ATM/Debit Card then just simply call the official number of SBI +919449112211 to block the SBI card.

Report by Calling Customer Care

When you see a false transaction happen on your account you need to immediately call the SBI toll-free number 1-800-111109 or 1800111109 and report the transaction.

The SBI customer care will ask few details about your SBI account and immediately blocks your ATM cum Debit card.

If you want to know how to block SBI ATM card or Debit card check this link.

Report by Sending Email

Whenever a transaction happens on your SBI debit card you will get an email be like withdrawing cash from ATM or making a purchase on online websites. So if you got an email of a false transaction then just forward that email to unauthorisedtransaction@sbi.co.in from your registered email account with your SBI account, and also mention your account number(optional) and tell them to block your ATM card.

Whenever you withdraw money from ATM you will always get an email which states as Transaction alert for your State Bank of India Debit Card, just check the transaction if not done by you then just call above numbers of email them.

The post How to Report an Unauthorized Transactions on SBI Debit Card ATM Card appeared first on TechAccent.

SBI Average Monthly Balance

State Bank of India will charge if you have less than below mentioned Monthly Average Balance in your savings account.

SBI Monthly Average Balance

For Metro and Urban Areas You need to have an Average Monthly Balance AMB of Rs 3000 in your Savings account.

For Semi-Urban Areas you need to have AMB of Rs 2000

For Rural Areas Monthly Average Balance is Rs 1000

SBI Minimum Balance Penalty Charges

SBI Penalty for Non-maintenance of Monthly Average Balance:

In Metro and Urban Areas if the balance is less than 50 then Rs 10 + GST will be charged. If 50 – 75% less then Rs 12 + GST and if less than 75% then Rs 15 + GST will be charged.

e.g., If MAB is Rs 2000 then you need to pay Rs 10 + GST for non-maintenance of AMB.

In Semi-Urban areas if less than 50% then Rs 7.50 + GST, if 50 – 75% less then Rs 10 + GST and if less than 75% then Rs 12 + GST

In Rural Areas if less than or equal to 50% then you need to pay Rs 5 + GST, if 50-75% then Rs 7.50 + GST and if less than 75% then Rs 10 + GST.

How Monthly Average Balance is Calculated

The monthly average balance in SBI is calculated as simple average of the closing balance at EOD for the respective month.

A little illustration will make the calculation much easier to understand, let’s say the sum of EOD balances of the March month is Rs 31000, then calculating simple average is 31000/31=1000.

Here 31 is the number of days in March month. So you have maintained a monthly average balance of Rs 1000 for March month.

Based on how much less your monthly average balance from the bank fixed minimum monthly average balance penalty will be charged.

How to check the monthly average balance in sbi net banking:

Login in to onlinesbi.com

Then go to Accounts Summary then Last 10 Transactions then Click on Monthly Average Balancec Tab.

and also in My Account& profile Tab -> Account Summary.

See image below how sbi displays Monthly Average Balance in net banking.

SBI Monthly Average Balance is not applicable to below type of accounts:

• Financial Inclusion accounts including PMJDY accounts.
• No Frill accounts
• Salary Package accounts
• Basic Savings Bank Deposit accounts
• BSBDA- Small Accounts
• Phela Kadam and Pheli Udaan accounts
• Minors upto the age group of 18
• Pensioners all categories
• Recipients of social security welfare benefits.
• Students upto the age of 21 years

The post SBI Average Monthly Balance for Metro Urban Semi Urban and Rural Areas and Penalty Charges appeared first on TechAccent.

SBI WhatsApp Number

9022690226

You need to perform the below steps using your Registered mobile number with State Bank of India Account.

SBI WhatsApp Activation

First you need to Activate SBI WhatsApp Banking Services before using WhatsApp banking Services, send a SMS as below.

Format: WAREG AccountNumber and send SMS to 7208933148

Example: WAREG 31011277741 and text to 07208933148

You will get a WhatsApp reply like below.

Dear Customer, You are successfully registered for SBI WhatsApp Banking services. For further details please type “Hi SBI”

The Official State Bank of India WhatsApp Banking Service Number is 09022690226

SBI WhatsApp Banking Services

Now start a WhatsApp conversation Message as “Hi” to get start using the SBI WhatsApp Banking Service.

You can also click this direct link https://api.whatsapp.com/send/?phone=919022690226&text=Hi&app_absent=0 to get started by skipping above steps.

Once you sent Hi Message it will reply like the below.

Dear Customer,

Welcome to SBI Whatsapp Banking Services!
Please choose from any of the options below.

1. Account Balance
2. Mini Statement
3. De-register from WhatsApp Banking

You may also type your query to get started.

SBI Balance by WhatsApp

Now to know SBI Acccount Balance through WhatsApp reply with 1 number

Please wait while we fetch your balance details…. ⏳

29/07/2022, 08:04
Avail Bal in A/c xxx741: Rs. 12042.25 CR

SBI Mini Statement by WhatsApp

Now to know the last 5 transactions of SBI account enter 2, you will get reply like below.

29/07/2022, 08:42
Avail Bal in A/c xxx741: Rs. 12042.25 CR
27/07/2022: 1000.00 DR,TO TRFR
26/07/2022: 500.00 DR,TO TRFR
25/07/2022: 1000.00 DR,TO TRFR
24/07/2022: 4680.00 DR,TO TRFR
24/07/2022: 1000.00 DR,TO TRFR

Your bank is now on WhatsApp. Get to know your Account Balance and view Mini Statement on the go.#WhatsAppBanking #SBI #WhatsApp #AmritMahotsav #BhimSBIPay pic.twitter.com/5lVlK68GoP

— State Bank of India (@TheOfficialSBI) July 19, 2022

The post State Bank of India SBI WhatsApp Number 9022690226 to Know Account Balance Mini Statement Registration and Other Details appeared first on TechAccent.