SBI Interest Certificate Download: For ITR Filing

When filing your Income Tax Return (ITR), you need to report all interest income earned from savings accounts, fixed deposits (FD), and recurring deposits (RD). SBI provides an interest certificate that shows the total interest earned during a financial year. Here's how to download it.

What is an Interest Certificate?

An interest certificate is an official document from SBI that shows:

• Total interest earned on your savings account during the financial year
• Interest earned on FDs and RDs (including auto-renewed deposits)
• TDS deducted (if applicable) on FD/RD interest exceeding ₹40,000 (₹50,000 for senior citizens)

You need this certificate for:

• Filing ITR accurately
• Claiming TDS credit
• Showing proof of income to other institutions

How to Download Interest Certificate via Net Banking

1. Visit SBI Online Banking and log in
2. Go to "My Accounts & Profile"
3. Click on "Interest Certificate" or "Account Statement"
4. Select the account number for which you need the certificate
5. Choose the financial year (e.g., 2025-26)
6. Select format — PDF is recommended
7. Click "Submit" or "Download"
8. The interest certificate will be generated and downloaded to your device
9. It shows savings interest, FD interest, and TDS deducted

How to Download via YONO App

1. Open the SBI YONO app and log in
2. Navigate to "Accounts" → select your account
3. Look for "Interest Certificate" or "Tax Related" under service requests
4. Select the financial year
5. Download the certificate in PDF format
6. Save or share as needed for ITR filing

How to Download TDS Certificate (Form 16A)

If SBI has deducted TDS on your FD or RD interest, you can download Form 16A:

Via Net Banking

1. Log in to SBI Online Banking
2. Go to "My Accounts & Profile" → "TDS Enquiry" or "Form 16A"
3. Select the financial year and quarter
4. Download the Form 16A in PDF format

Via TRACES Portal

1. If not available on SBI net banking, visit TRACES
2. Register/log in as "Taxpayer"
3. Go to "Downloads" → "Form 16A"
4. Enter your PAN and the bank's TAN
5. Download the certificate

Note: Form 16A is generated quarterly. It may take a few weeks after the quarter ends to become available.

How to Get Interest Certificate from Branch

1. Visit your SBI home branch
2. Request an interest certificate for the financial year
3. Provide your account number and PAN
4. The branch will issue a signed certificate — usually within 1-2 working days
5. This is useful if you can't access net banking or need a physically signed copy

Types of Interest Covered

Important Tips

1. Download before ITR deadline — interest certificates are usually available by April-May for the previous financial year
2. Cross-check with Form 26AS on the Income Tax portal to verify TDS credits match
3. Submit Form 15G/15H at the start of the financial year if your total income is below the taxable limit — this prevents TDS deduction on FD interest
4. Keep certificates for 7 years as ITR supporting documents
5. Senior citizens get a higher TDS threshold of ₹50,000 and can claim deduction under Section 80TTB up to ₹50,000

Frequently Asked Questions

Q1: Is the interest certificate available for all account types?

Yes. SBI provides interest certificates for savings accounts, FDs, RDs, and other deposit accounts.

Q2: When does the interest certificate become available for download?

Usually by April-May after the financial year ends (March 31). Some accounts may take until June.

Q3: Can I get the interest certificate for previous years?

Yes. Net banking typically allows you to download certificates for the last 5-7 financial years. For older records, visit the branch.

Q4: What if TDS was deducted but I'm not liable to pay tax?

File your ITR and claim a TDS refund. Also, submit Form 15G (or Form 15H for seniors) to your branch to avoid future TDS deductions.

Q5: Is there a fee for downloading the interest certificate?

No. Downloading the interest certificate via net banking, YONO, or requesting at the branch is free of charge.

Q6: Do I need separate certificates for savings and FD interest?

The interest certificate from SBI typically covers all accounts. However, TDS certificate (Form 16A) is specific to FD/RD accounts where TDS was deducted.

Q7: How do I verify TDS deducted by SBI?

Check Form 26AS on the Income Tax portal or AIS (Annual Information Statement). The TDS amount should match your SBI interest certificate.

This guide is for informational purposes only. CitizenNest is an independent platform and is not affiliated with SBI or the Income Tax Department. Verify details with your SBI branch. Last updated: March 2026.