When it comes to safe and reliable investment options, SBI Fixed Deposit Plans have always been a top choice for Indian investors. Whether you’re a senior citizen looking for stable returns or a young professional wanting to build savings, SBI FDs provide security along with attractive returns.
The SBI FD Rates 2025 have been recently updated, and the bank now offers multiple tenures with varying interest rates to suit different financial goals.
Why Choose SBI Fixed Deposit in 2025?
Investing in SBI FD is not just about returns—it’s about peace of mind. Here’s why people prefer it:
-
Trusted Bank – SBI is India’s largest public sector bank.
-
Flexible Tenures – Ranging from 7 days to 10 years.
-
Assured Returns – No market risk, unlike stocks or mutual funds.
-
Higher Rates for Seniors – Extra 0.50% interest for senior citizens.
-
Loan Facility – Borrow against your FD without breaking it.
SBI FD Rates 2025 – Tenure-Wise
Here’s a quick look at the latest SBI Fixed Deposit Interest 2025:
| Tenure | Regular Citizen Interest Rate | Senior Citizen Interest Rate |
|---|---|---|
| 7 days – 45 days | 3.50% | 4.00% |
| 46 days – 179 days | 4.75% | 5.25% |
| 180 days – 210 days | 5.75% | 6.25% |
| 211 days – less than 1 year | 6.00% | 6.50% |
| 1 year – less than 2 years | 6.80% | 7.30% |
| 2 years – less than 3 years | 7.00% | 7.50% |
| 3 years – 5 years | 6.75% | 7.25% |
| 5 years – 10 years | 6.50% | 7.25% |
Note: Rates are subject to change. Always check with SBI before investing.
Types of SBI Fixed Deposit Plans
SBI offers a wide range of Fixed Deposit Plans designed for different financial needs.
-
Regular FD – Standard FD with flexible tenures.
-
Tax Saving FD – 5-year lock-in with tax benefits under Section 80C.
-
SBI WeCare FD – Special scheme for senior citizens with High Interest FD benefits.
-
Recurring Deposit (RD) – Monthly savings option linked to FD returns.
Benefits of Investing in SBI FDs in 2025
Here are some key advantages of locking your money in SBI FD this year:
-
High Interest FD options for longer tenures.
-
Safe and secure investment backed by SBI’s reputation.
-
Flexible withdrawal and premature closure (with penalty).
-
Online FD booking via SBI net banking or YONO app.
-
Nomination facility available for all FDs.
FAQs on SBI Fixed Deposit Interest 2025
Q1. What is the highest SBI FD Rates 2025 currently available?
The highest rate for regular citizens is 7.00%, while senior citizens can earn up to 7.50%.
Q2. Is there a tax benefit on SBI Fixed Deposit Plans?
Yes, under the 5-year Tax Saving FD, you can claim deductions of up to ₹1.5 lakh under Section 80C.
Q3. Can I break my SBI FD before maturity?
Yes, premature withdrawal is allowed, but a small penalty may be charged depending on the tenure.
Q4. How can I open an SBI FD in 2025?
You can open an FD either by visiting the nearest SBI branch or through SBI’s Net Banking/YONO app.
Final Word
If you are looking for a safe, secure, and rewarding investment, the SBI Fixed Deposit Interest 2025 makes a solid case. With attractive SBI FD Rates 2025, multiple Fixed Deposit Plans, and High Interest FD options, SBI continues to be a go-to choice for millions of Indians.
Click here to learn more