If you’re looking for a safe and rewarding investment option in 2025, then SBI’s latest Fixed Deposit (FD) offer might be just what you need. The State Bank of India (SBI), the country’s largest public sector bank, has rolled out an attractive FD scheme that promises substantial returns. As per the offer, if you invest ₹3 lakh, you can get a maturity amount of ₹4,34,984, provided you stay invested for the full term.
This article will walk you through everything you need to know about this scheme — including interest rates, tenure, eligibility, who should invest, and a detailed return calculation. Whether you’re a senior citizen, a salaried professional, or a first-time investor, this guide will help you make an informed decision.
SBI Bank Fixed Deposit Offer 2025
| Feature | Details |
|---|---|
| Scheme Name | SBI Bank Special FD Scheme — Amrit Kalash or similar promotional offer |
| Investment Amount (Example) | ₹3,00,000 |
| Maturity Amount | ₹4,34,984 |
| Tenure | 444 days (approx. 1 year 2 months) |
| Interest Rate (General Citizens) | 7.10% – 7.25% p.a. |
| Interest Rate (Senior Citizens) | 7.60% – 7.75% p.a. |
| Compounding Frequency | Quarterly |
| Eligibility | Indian citizens; Individual and joint accounts |
| Official FD Calculator | SBI FD Calculator |
SBI Bank special FD scheme in 2025 is a golden opportunity for savers to earn higher returns without risking their capital. With an investment of ₹3 lakh, growing into ₹4.34 lakh in just over a year, this FD beats inflation while keeping your money safe.
What Is the SBI Bank FD Scheme All About?
SBI frequently rolls out special term deposits with limited-time high interest rates to attract retail investors. These are above the regular FD interest rates and are ideal for people who are looking to park their money for short to medium durations safely.
The specific offer that leads to a return of ₹4.34 lakh on a ₹3 lakh investment is likely a 444-day FD scheme with quarterly compounding and an annual rate of around 7.25% for general public, and 7.75% for senior citizens.
This makes the SBI Bank FD not only secure but also competitive, considering other banks are offering slightly lower returns for similar tenure FDs.
see also: Now You Will Get 9% Interest on FD – These Banks Have Updated the Rates
How Does the ₹3 Lakh to ₹4,34,984 FD Work?
Let’s break down the math to see how your money grows under this scheme.
Example Calculation:
- Principal: ₹3,00,000
- Tenure: 444 days
- Interest Rate: 7.25% p.a. (for general investors)
- Interest Type: Quarterly compounding
Using SBI Bank own FD calculator or standard formula for compound interest: A=P×(1+rn)ntA = P \times \left(1 + \frac{r}{n}\right)^{nt}
Where:
- A = Final amount
- P = Principal = ₹3,00,000
- r = annual interest rate (in decimal) = 0.0725
- n = number of times interest applied per year = 4
- t = time in years = 444/365 ≈ 1.216
This yields a maturity amount of approximately ₹4,34,984.
Who Should Consider Investing in This SBI Bank FD?
This scheme is a great fit for:
1. Senior Citizens
They get an additional 0.50% interest, so the final maturity value is even higher. It’s perfect for conservative retirees seeking predictable income.
2. First-Time Investors
If you are new to investing, this FD gives you a safe start with guaranteed returns and no market risk.
3. Salaried Professionals
If you have received a bonus or have emergency funds, this FD allows medium-term wealth accumulation with zero volatility.
4. Risk-Averse Individuals
Unlike mutual funds or the stock market, FDs are not subject to market fluctuations. It’s a principal-protected investment.
How to Open This Special SBI Bank FD Online or Offline
SBI offers easy options for customers to start this FD scheme:
Online via SBI YONO App or Net Banking
- Log in to your SBI net banking account.
- Navigate to Fixed Deposit > e-TDR/e-STDR.
- Choose the 444-day tenure or the available special scheme.
- Enter the deposit amount (e.g., ₹3,00,000).
- Select compounding frequency (quarterly).
- Confirm and complete the transaction.
Offline at SBI Branch
- Visit the nearest SBI branch.
- Carry your Aadhaar, PAN, and a passport-sized photo.
- Fill out the FD form.
- Submit your cheque or transfer funds via NEFT/RTGS.
How SBI Bank FD Compares with Other Banks in 2025
| Bank Name | Special FD Rate (General) | Senior Citizen Rate | Max Tenure |
|---|---|---|---|
| SBI | 7.25% | 7.75% | 444 days |
| HDFC Bank | 7.00% | 7.50% | 35 months |
| ICICI Bank | 7.10% | 7.60% | 15 months |
| Bank of Baroda | 7.05% | 7.55% | 399 days |
| Post Office (TD) | 7.00% | N/A | 5 years |
Conclusion: SBI’s current FD offer is one of the highest yielding among large banks in India.
Is This SBI FD Scheme Safe?
Yes, absolutely. SBI is:
- Backed by the Government of India.
- Regulated by the Reserve Bank of India (RBI).
- Covered under DICGC insurance (₹5 lakh per account holder per bank).
It’s one of the safest options for fixed-income investments in the country.
Additional Tips Before Investing
- Ladder Your FDs: Don’t invest all your money in one FD. Break into multiple FDs with different tenures for better liquidity.
- Use SBI’s FD Calculator: You can estimate your returns using the official calculator: SBI FD Calculator.
- Nomination Facility: Always add a nominee for easy claim settlement.
- Taxation: Interest from FD is taxable as per your income slab. Submit Form 15G/15H to avoid TDS if eligible.
see also: How to Invest in Post Office Fixed Deposit: Returns, Benefits, and Complete Guide
SBI Fixed Deposit Offer 2025 FAQs
Q1. What is the minimum amount to invest in this SBI special FD?
You can start with ₹1,000. There’s no upper limit, but anything over ₹2 crore may fall under bulk deposit rules.
Q2. Can I withdraw the money before 444 days?
Yes, but premature withdrawal may attract a penalty of 0.50% – 1% and lower interest payout.
Q3. Is the scheme available to NRIs?
This particular FD is typically available for resident individuals only, not NRE/NRO account holders.
Q4. Will the interest be credited monthly?
No. The scheme uses quarterly compounding, and the total interest is paid on maturity.
Q5. Can I avail of a loan against this FD?
Yes. SBI allows you to avail a loan or overdraft up to 90% of the FD amount.
