If you are looking for a safe investment option with guaranteed returns, the State Bank of India (SBI) Fixed Deposit Scheme can be one of the best choices. Fixed Deposit (FD) is among the most popular investment instruments in India because it comes with zero risk and pre-decided interest rates. This is the reason why millions of people prefer to keep their savings in SBI FD every year.
SBI FD Interest Rates 2025
SBI offers attractive FD interest rates for different tenures:
- For 2 to 3 years:
- Regular customers: 6.45%
- Senior Citizens: 6.95%
- For 5 years:
- Regular customers: Around 6.50%
- Senior Citizens: Around 7.00%
- For 5 years (Senior Citizens special rate):
- 7.10% approx.
- For higher deposits (₹1 crore – ₹3 crore):
- 1 year FD: 6.55% (regular) | 7.05% (senior citizens)
- 2 years FD: 6.85% (regular) | 7.35% (senior citizens)
Example of Returns
- If you invest ₹3 lakh for 2–3 years, the maturity amount will be approx ₹3,45,000+.
- For a 5-year FD of ₹3 lakh, the maturity value is approx ₹4,00,053 (regular) and ₹4,25,478 (senior citizens).
Monthly Income from SBI FD
For small investors, SBI FD also works as a monthly income plan.
On an investment of ₹1 lakh, depending on tenure and rate of interest, you can earn up to ₹5,639 per month.
This makes it a highly beneficial scheme for middle-class and small investors who want assured monthly returns.
Benefits for Large Investors
Those who invest ₹1.01 crore to ₹3 crore can enjoy even higher interest rates. SBI provides customized FD options for bulk deposits to maximize returns.
Why Choose SBI FD Scheme?
100% Safe and Secure Investment
Guaranteed Returns (fixed interest)
Extra Benefits for Senior Citizens
Suitable for Both Small and Large Investors
Flexible Tenure Options (7 days to 10 years)
Final Words
The SBI FD Scheme 2025 is an excellent investment plan for individuals who want safe, fixed, and risk-free returns. Whether you invest ₹1 lakh or several crores, SBI ensures assured interest and capital safety. For senior citizens, the scheme becomes even more attractive with higher interest rates.
