Investing in a Fixed Deposit (FD) with the State Bank of India (SBI) in 2025 is a safe and attractive option for those looking for stable returns. With competitive interest rates, government backing, and flexible tenure options, SBI FDs continue to be a preferred investment for risk-averse individuals.
Should You Invest in SBI Bank FD in 2025?
| Feature | Details |
|---|---|
| Interest Rates (General Public) | 3.50% – 7.00% per annum |
| Interest Rates (Senior Citizens) | 4.00% – 7.50% per annum |
| Special FD Schemes | Amrit Kalash (7.10%), Amrit Vrishti (7.25%) |
| Minimum Deposit | Rs. 1,000 |
| Maximum Deposit | No upper limit |
| Premature Withdrawal | Allowed (with penalty) |
| Taxation | Interest is taxable; TDS applicable above Rs. 40,000 (Rs. 50,000 for senior citizens) |
| Official Website | SBI FD Rates |
SBI Bank FD in 2025 remains a solid investment choice for those seeking safety, stable returns, and flexible tenure options. With competitive interest rates and special schemes, SBI FDs are ideal for conservative investors. However, investors should consider taxation and liquidity needs before investing.
What is an SBI Bank FD?
A Fixed Deposit (FD) is a financial instrument where you deposit a sum of money for a fixed tenure at a predetermined interest rate. SBI offers different FD schemes catering to various financial goals, from short-term savings to long-term wealth building.
see also: Kisan Vikas Patra Scheme 2025
SBI Bank FD Interest Rates 2025
As of March 2025, SBI offers competitive interest rates for different tenures:
Interest Rates for General Public
| Tenure | Interest Rate |
|---|---|
| 7 days to 45 days | 3.50% |
| 46 days to 179 days | 5.50% |
| 180 days to 210 days | 6.25% |
| 211 days to 1 year | 6.50% |
| 1 year to 2 years | 6.80% |
| 2 years to 3 years | 7.00% |
| 3 years to 5 years | 6.75% |
| 5 years to 10 years | 6.50% |
Interest Rates for Senior Citizens
Senior citizens receive an additional 0.50% interest on all FD tenures:
| Tenure | Interest Rate |
|---|---|
| 7 days to 45 days | 4.00% |
| 46 days to 179 days | 6.00% |
| 180 days to 210 days | 6.75% |
| 211 days to 1 year | 7.00% |
| 1 year to 2 years | 7.30% |
| 2 years to 3 years | 7.50% |
| 3 years to 5 years | 7.25% |
| 5 years to 10 years | 7.50% |
Special SBI Bank FD Schemes in 2025
1. Amrit Vrishti (444 days)
- Interest Rate: 7.25% for general public, 7.75% for senior citizens
- Ideal for: Short-term investment with high returns
- Valid till: March 31, 2025
2. Amrit Kalash (400 days)
- Interest Rate: 7.10% for general public, 7.60% for senior citizens
- Ideal for: Medium-term secure investment
- Valid till: March 31, 2025
Should You Invest in SBI FD in 2025?
Investing in an SBI FD has several advantages:
Pros of SBI FD
- Safe Investment – SBI is India’s largest and most trusted public sector bank.
- Guaranteed Returns – Fixed interest rates ensure steady income.
- Flexible Tenures – Choose between 7 days to 10 years.
- Special Schemes – Higher interest rates on select FD plans.
- Senior Citizen Benefits – Extra 0.50% interest for senior citizens.
Cons of SBI FD
- Taxable Returns – Interest is subject to tax as per income slab.
- Lower Returns than Stocks/Mutual Funds – Growth potential is lower compared to market investments.
- Penalty on Premature Withdrawal – Breaking the FD before maturity attracts a penalty.
How to Open an SBI Bank FD Online?
Opening an FD with SBI is simple. Follow these steps:
- Login to SBI Net Banking – Visit onlinesbi.com and enter your credentials.
- Select “Fixed Deposit” – Navigate to the “Deposit & Investment” section.
- Choose FD Type & Tenure – Select the deposit amount, tenure, and interest payout option.
- Confirm & Submit – Review details and confirm your FD.
Alternatively, you can visit your nearest SBI branch to open an FD offline.
see also: How to Save Tax on Income Up to 12 Lakhs in 2025
Should You Invest in SBI Bank FD in 2025? FAQs
1. Is SBI Bank FD safe?
Yes, SBI FD is one of the safest investment options as SBI is a government-backed bank.
2. What is the minimum amount for an SBI FD?
The minimum deposit amount for an SBI FD is Rs. 1,000.
3. Can I withdraw my SBI FD before maturity?
Yes, but a penalty of 0.50% – 1.00% may be applicable on premature withdrawal.
4. Is SBI FD better than PPF?
SBI FD provides flexibility and liquidity, while PPF offers tax-free returns. Choose based on your financial goals.
5. How is FD interest taxed?
FD interest is added to your income and taxed as per your tax slab. TDS is deducted if interest exceeds Rs. 40,000 (Rs. 50,000 for senior citizens).
