7%+ FD Rates: SBI vs BoB vs PNB vs Canara Bank — How much will senior citizens earn on ₹5 lakh, ₹10 lakh, ₹15 lakh and ₹20 lakh?
State Bank of India is in focus.
19 Sept 2026 · Business Today Mkts
Senior citizens looking for safe and predictable returns can consider special fixed deposit schemes offering interest rates of 7% and above. SBI, Bank of Baroda, PNB and Canara Bank offer different rates and tenures, with returns varying across investments of ₹5 lakh, ₹10 lakh, ₹15 lakh and ₹20 lakh.
The analysis
State Bank of India reported ₹5 lakh, ₹10 lakh and ₹15 lakh, with movement of 7% attached to those lines. Those are the figures as filed — what moves the price is how they sit against what the market already expected, not their absolute size.
Against that, the stock is -1.1% on the day at ₹948.10, and has returned -8.7% over three months. It sits 23% below its 52-week high. The banks sector has moved -4.0% over the same period, so State Bank of India is running 4.7 points behind its peers.
For State Bank of India, the question is how much of this is already reflected in the price and how much re-rates the banks peer set alongside it.
Market context
- The company directly in focus is SBIN.
- Sector exposure: Banks.
In this story
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