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The one year deposit rate for SBI is at 6.25%, while for HDFC Bank and ICICI Bank it is at 6.75%.

Whether these banks will also realign their deposit rates before cutting their base rates depends on the liquidity cushion they have on their books.

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Last week I posted about Christmas and mentioned I gave Jacob a full year of dates, or 12 months of dates as as gift.

Praveen Kumar Gupta, managing director, retail and digital banking, SBI, told DNA Money, "The reduction in rates follows the reduction in the deposit rate we undertook in November by 0.25%.