Fixed Deposits (FDs) remain one of the safest and most reliable investment options, especially for risk-averse investors. State Bank of India (SBI) offers competitive FD interest rates up to 7.75% in 2025 through special schemes like Amrit Kalash and We-Care. These schemes provide higher returns, flexible tenure, and additional benefits for senior citizens. Let’s dive into the details and see how you can make the most of your investment.
SBI FD Interest Rate 2025: Interest Up to 7.75%
| Feature | Details |
|---|---|
| Highest Interest Rate | Up to 7.75% per annum |
| Special FD Schemes | Amrit Kalash (400 days), Amrit Vrishti (444 days), We-Care (5-10 years) |
| Eligibility | Available for general customers and senior citizens |
| Extra Benefits | Higher interest rates for seniors, flexible tenure, loan facility |
| Investment Period | Available until March 31, 2025 |
| Official Website | SBI FD Rates |
SBI’s Fixed Deposit schemes in 2025 offer competitive interest rates, especially under the Amrit Kalash, Amrit Vrishti, and We-Care schemes. With rates as high as 7.75% p.a., SBI FDs are an excellent choice for individuals seeking safe and stable returns. Whether you are a retiree looking for steady income or an investor seeking short-term gains, SBI’s FD schemes provide security, liquidity, and attractive earnings. Make the most of these schemes before they expire on March 31, 2025.
Understanding SBI Fixed Deposit Schemes in 2025
1. SBI Amrit Kalash FD Scheme
- Tenure: 400 days
- Interest Rate:
- General Public: 7.10% p.a.
- Senior Citizens: 7.60% p.a.
- Availability: Valid until March 31, 2025
- Benefits: Higher returns than regular FD rates, ideal for short-term investments
2. SBI Amrit Vrishti FD Scheme
- Tenure: 444 days
- Interest Rate:
- General Public: 7.25% p.a.
- Senior Citizens: 7.75% p.a.
- Availability: Open for investment until March 31, 2025
- Benefits: Best suited for those looking for short-term gains with higher interest rates
3. SBI We-Care FD Scheme (For Senior Citizens)
- Eligibility: Exclusively for senior citizens
- Tenure: 5 to 10 years
- Interest Rate: 7.50% per annum (includes an additional 0.50% premium) over standard rates
- Availability: Till March 31, 2025
- Benefits: Ideal for retirees seeking stable, high-interest income over the long term
see also: Highest FD Interest Rates in 2025
Why Invest in SBI FD in 2025?
1. Secure and Reliable Investment
SBI is India’s largest bank, backed by the Government of India, making it a safe investment option with guaranteed returns.
2. Attractive Interest Rates
With interest rates up to 7.75%, SBI FDs offer higher returns compared to regular savings accounts.
3. Additional Benefits for Senior Citizens
SBI provides an extra 0.50% interest rate boost for senior citizens under special FD schemes.
4. Loan and Premature Withdrawal Facility
Need urgent cash? SBI allows you to avail a loan against your FD or premature withdrawal (subject to penalty). This ensures liquidity while keeping your investment secure.
How to Open an SBI FD Online?
Step 1: Log in to SBI Net Banking or YONO App
- Visit onlinesbi.com or open the SBI YONO App.
- Enter your credentials and log in.
Step 2: Navigate to Fixed Deposits Section
- Click on ‘Fixed Deposit’ or ‘Term Deposit’ under the ‘Deposits’ tab.
Step 3: Select the FD Type
- Choose between Regular FD, Amrit Kalash, or We-Care schemes.
Step 4: Enter Deposit Amount and Tenure
- Minimum deposit: Rs. 1,000 (varies by scheme).
- Choose tenure based on your preference.
Step 5: Confirm and Submit
- Check all details carefully.
- Click on ‘Confirm’ to complete your FD investment.
see also: Investment Tips Benefits of Opening a Fixed Deposit (FD) in Your Wife’s Name
SBI FD Interest Rate 2025: Interest Up to 7.75% FAQs
1. Who can invest in SBI Fixed Deposits?
Anyone with a savings account at SBI, including general customers and senior citizens, can invest in SBI FDs.
2. What is the highest SBI FD interest rate in 2025?
The highest interest rate in 2025 is 7.75% per annum, offered under the Amrit Vrishti scheme for senior citizens.
3. Is there a penalty for premature withdrawal?
Yes, SBI imposes a penalty of 0.50% to 1% on premature withdrawals, depending on the deposit amount and tenure.
4. Can I take a loan against my SBI FD?
Yes, SBI allows you to take a loan up to 90% of your FD amount, ensuring liquidity without breaking the deposit.
5. Is SBI FD safe?
Yes, SBI is a government-backed bank, making its FDs one of the safest investment options in India.
