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Interest Rates

Interest Rates
NOTE :

Interest on Ordinary Deposit is payable on 28th February and 31st August every year
As per local regulations, withholding tax is deductible on the interest before payment at the applicable rates, unless exempted according to the law.Deposit insurance scheme does not cover the deposits made with our branch

Note :

For deposits in currencies other than JPY, there is a potential risk of loss arising out of fluctuations in currency values.

Terms and Conditions
Term Deposits

We at SBI Japan Offer Term Deposits in JPY, USD, EUR and GBP.
We offer very competitive interest rates on Term Deposits.
Tokyo Branch: Phone 03-3517-3700 and 03-3517-3711
E-mail- avprem.tokyo@statebank.com.
Osaka Branch: Phone 06-6271-3237
Email – sbi.osaka@statebank.com

Minimum Period The minimum period the deposit would be kept is one month
Minimum Amount The minimum amount is USD 5,000/ EURO 3000/ GBP 2500/ JPY 1 million
Premature Payment Premature payment will attract a penalty of 0.10% for JPY Deposits and 0.25% for deposits in other currencies, on interest applicable for the actual period for which the deposit has run, subject to review. However, in no case the interest will be -ve. In case the interest rate calculated comes to -ve, it will be deemed as zero.
Roll over The deposits will be rolled over at the end of maturity period for the same amount and for the same period unless otherwise instructed
Loans Overdrafts may be allowed against the fixed deposits subject to the Bank’s usual guidelines etc
Withholding tax As per local regulations, withholding tax is deductible on the interest before payment at the applicable rates, unless exempted according to the law.
Insurance Deposit insurance scheme does not cover the deposits made with our branch
Ordinary Deposit

We at SBI Japan offer Ordinary Deposits in JPY only.
We offer very competitive interest rates on Term Deposits.
Tokyo Branch: 03-3517-3700 and 03-3517-3711
E-mail- avprem.tokyo@statebank.com.
Osaka Branch: Phone 06-6271-3237
Email – sbi.osaka@statebank.com

State Bank of India

Tokyo branch

SBI Time Deposit

Interest Rates (per annum)Valid

From 15th MARCH 2024

For Periods

USD

Euro

GBP

JPY

Below 2 months

4.90

0.00

0.05

0.01

2 months & above but below 3 months

4.90

0.01

0.10

0.02

3 months & above but below 6 months

5.00

0.01

0.10

0.05

6 months & above but below one year

5.10

0.05

0.20

0.10

For one year

5.10

0.10

0.25

0.15

For two years

4.50

0.10

0.25

0.25

For three years

4.00

0.10

0.25

0.35

For five years

3.25

0.10

0.25

0.45

These rates are valied for USD 5 mio, EUR 5 mio or JPY 1 billion, for amounts more than indicated above kindly consult Branch.

The interest rates may be changed without prior notice. However for the existing deposits contracted rates would continue.

Minimum period

The minimum period a deposit would be kept is one month.

Minimum amount

The minimum amount is USD 5000 / Euro 3000/ GBP 2500 /JPY 1 million.

Premature payment

Premature payment will attract a penalty of 0.1% for JPY deposits and 0.25% for deposits in other currencies, on interest applicable for the actual period for which the deposit has run, subject to review.However in no case the interest will be-ve.In case the interest rate calculated comes to-ve, it will be deemed as zero.

Roll over

The deposits will be rolled over at the end of maturity period for the same amount and for the same period unless otherwise instructed.

Loans

Overdrafts may be allowed against the fixed deposits subject to bank’s usual guidelines.

Withholding tax

As per local regulations, withholding tax is deductible on the interest before payment at the applicable rate, unless exempted according to the law.

Corporate Entities – 15.315% p.a.

Individual Entities – 20.315% p.a

Insurance

Deposit insurance  scheme does not cover the deposits made with our branch

Forex Risk

For deposits in currencies other than JPY, there is a potential risk of loss arising out of fluctuation in currency values.’

State Bank of India

Tokyo branch

SBI定期預金

金利(年率)有効期間

2024315日より

期間

USD

Euro

GBP

JPY

2ヶ月未満

4.90

0.00

0.05

0.01

2ヵ月以上3ヵ月未満

4.90

0.01

0.10

0.02

3ヵ月以上6ヵ月未満

5.00

0.01

0.10

0.05

6ヶ月以上1年未満

5.10

0.05

0.20

0.10

1年間

5.10

0.10

0.25

0.15

2年間

4.50

0.10

0.25

0.25

3年間

4.00

0.10

0.25

0.35

5年間

3.25

0.10

0.25

0.45

上記レートは500万ドル、500万ユーロ、10億円に対するものです。これらを上回る金額に対するレートについては、ご相談下さい。

金利は予告なく変更される場合がありますが、既存の定期預金については契約時の金利が継続して適応されます。

最少期間

預金最少保管期間は1ヶ月です。

最少金額

最少金額は5000ドル/3000ユーロ/2500ポンド/100万円です。

期日前解約時の払戻について

期日前解約時の払戻金額は、日本円の場合0.1%、その他の通貨の場合は0.25%のペナルティーが課せられます。預金を運営した実際の預入期間に対して適用される利息は修正されます。利息がマイナスになることはありませんが、計算された金利がマイナスとなる場合には、ゼロとします。

ロールオーバー

預金は、特に指示がない限り、満期日終了時に同額・同期間でロールオーバーされます。

貸付

銀行の通常のガイドラインに従い、定期預金に対する貸付が許可される場合があります。

源泉徴収税

源泉徴収税は、日本の法令に従って、法律により免除されない限り、適用される税率で支払前の利息から控除されます。

法人 - 年率15.315

個人 - 年率20.315

保険

当支店への預金は預金保険制度の対象外となります。

為替リスク

日本円以外の通貨でお預入れの場合、通貨価値の変動により損失がでる可能性があります。