However, the highest rate offered by the SBI is 5.65 per cent (6.45 per cent for senior citizens) on a deposit of below Rs 2 crore for a period of 5-10 years. On the given deposit period of 3+ years to 5 years, the SBI offers investors an interest rate of 5.60 per cent on deposits below Rs 2 crore, while for senior citizens, the rate is 6.10 per cent. How much money is enough for you and your family? State Bank of India (SBI)