When it comes to safe and reliable investment choices, SBI FD Plans 2025 stand out as a preferred option for many investors. Whether you’re a young professional starting your first job or someone planning long-term wealth creation, SBI Fixed Deposit Options offer stability, assured returns, and multiple benefits that align with different financial goals.
Let’s break down everything you need to know about SBI’s FD schemes in 2025, including Tax Saving FD options and High Returns FD plans.
Why Choose SBI FD Plans 2025?
Investing in SBI’s Fixed Deposit schemes gives you:
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Assured Safety – Your investment is backed by India’s most trusted bank
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Attractive Returns – Choose from flexible interest rates and maturity options
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Tax Benefits – Certain FD plans qualify for deductions under Section 80C
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Flexibility – Options for monthly, quarterly, or annual interest payouts
SBI FD Interest Rates 2025
Here’s a quick look at the updated FD interest rates offered by SBI in 2025:
| Tenure | General Citizens | Senior Citizens |
|---|---|---|
| 7 days – 45 days | 3.50% | 4.00% |
| 46 days – 179 days | 4.75% | 5.25% |
| 180 days – 1 year | 5.75% | 6.25% |
| 1 year – 3 years | 6.80% | 7.30% |
| 3 years – 5 years | 7.00% | 7.50% |
| 5 years & above | 7.25% | 7.75% |
Note: Rates are subject to periodic changes by the bank
Types of SBI Fixed Deposit Options
SBI offers multiple FD schemes to suit varying financial needs.
Regular FD
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Ideal for conservative investors
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Flexible tenure ranging from 7 days to 10 years
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Assured guaranteed returns
Tax Saving FD (5-Year Lock-In)
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Minimum investment: ₹1,000
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Maximum eligible for tax deduction: ₹1.5 lakh per year under Section 80C
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Lock-in period of 5 years
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Perfect for salaried professionals looking to save tax
SBI Annuity Deposit Scheme
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Fixed monthly payouts of principal + interest
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Useful for retirees or those needing regular income
SBI Multi Option Deposit Scheme
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Linked to a savings/current account
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Liquidity + FD benefits combined
Benefits of Investing in High Returns FD
Choosing a High Returns FD can be rewarding, especially in 2025, when interest rates are competitive.
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Guaranteed Growth: No market risks involved
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Higher Interest for Seniors: Extra 0.50% for senior citizens
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Flexible Tenures: Aligns with both short-term and long-term goals
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Loan Against FD: Easy access to funds without breaking your FD
How to Open SBI FD Plans 2025?
You can open an SBI FD account through:
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Online – Using SBI Net Banking or YONO app
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Offline – By visiting the nearest SBI branch
Required documents:
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PAN Card
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Aadhaar Card
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Passport-size photograph
FAQs on SBI FD Plans 2025
Q1. What is the minimum deposit required for SBI FD Plans 2025?
The minimum deposit amount is ₹1,000 for most FD schemes.
Q2. Is premature withdrawal allowed in SBI Fixed Deposit Options?
Yes, premature withdrawal is allowed except in the Tax Saving FD scheme.
Q3. Do SBI FD Plans 2025 offer monthly income options?
Yes, under the SBI Annuity Deposit Scheme, you can receive fixed monthly payouts.
Q4. Which is better – Tax Saving FD or High Returns FD?
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Tax Saving FD is best for salaried individuals seeking tax deductions under Section 80C
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High Returns FD is ideal for those looking for maximum interest income
Final Takeaway
If you’re looking for safe investment choices with attractive returns, SBI FD Plans 2025 offer a balanced mix of Tax Saving FD options and High Returns FD schemes. They are an excellent choice for both beginners and experienced investors aiming for financial stability.
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