The SBI FD Scheme 2025 continues to be one of the most trusted and popular fixed deposit options in India, offering stable returns, safety, and flexible investment tenures. As India’s largest public sector bank, the State Bank of India (SBI) offers competitive interest rates for both general customers and senior citizens, making it a preferred choice for investors seeking guaranteed returns without market risk.
Key Features of SBI FD Scheme 2025
The SBI Fixed Deposit scheme offers a range of features that make it suitable for all categories of investors:
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Investment Amount: Minimum ₹1,000, with no upper limit.
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Tenure Range: From 7 days to 10 years.
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Interest Payment Options: Monthly, quarterly, or at maturity.
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Loan Against FD: Available up to 90% of the deposit value.
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Premature Withdrawal: Allowed with a nominal penalty.
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Nomination Facility: Available for all deposit holders.
Interest Rates in 2025
SBI has revised its FD interest rates in 2025 to stay competitive.
Below is the updated rate table:
Tenure |
Interest Rate (General) |
Interest Rate (Senior Citizens) |
|---|---|---|
7 days to 45 days |
3.50% p.a. |
4.00% p.a. |
46 days to 179 days |
4.75% p.a. |
5.25% p.a. |
180 days to 210 days |
5.75% p.a. |
6.25% p.a. |
211 days to
| 6.00% p.a. |
6.50% p.a. |
1 year to
| 6.80% p.a. |
7.30% p.a. |
2 years to
| 6.75% p.a. |
7.25% p.a. |
3 years to
| 6.50% p.a. |
7.00% p.a. |
5 years to 10 years |
6.25% p.a. |
6.75% p.a. |
(Rates are indicative and subject to change as per SBI guidelines.)
Types of SBI FD Schemes in 2025
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Regular Fixed Deposit – Standard FD with fixed tenure and interest rate.
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Tax Saver FD – Lock-in period of 5 years, eligible for tax benefits under Section 80C.
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Reinvestment Plan – Interest is compounded quarterly and paid at maturity.
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Annuity Deposit Scheme – Regular fixed income paid monthly or quarterly.
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Multi-Option Deposit Scheme – Linked to savings/current account, allowing partial withdrawals without breaking the FD.
Benefits of Investing in SBI FD
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Safety: Backed by India’s largest government-owned bank.
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Steady Returns: Not affected by market fluctuations.
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Flexible Tenure: Choice from short-term to long-term deposits.
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Senior Citizen Advantage: Additional 0.50% interest rate.
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Loan Facility: No need to break your FD in case of urgent funds.
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Tax Saving Option: Under the SBI Tax Saver FD.
Eligibility Criteria
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Individuals – Resident Indians and NRIs.
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Minors – Through a guardian.
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HUFs (Hindu Undivided Families).
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Partnership Firms & Companies.
Documents Required
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Aadhaar Card
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PAN Card
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Passport-size photograph
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Address proof
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Bank account details
How to Open SBI FD in 2025
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Online Method (through SBI net banking/YONO app):
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Log in to your SBI account.
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Select “Fixed Deposit” from the menu.
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Choose FD type, tenure, and deposit amount.
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Confirm details and submit.
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Offline Method:
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Visit the nearest SBI branch.
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Fill out the FD application form.
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Submit documents and deposit amount.
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Tax Implications
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Interest earned is taxable as per your income tax slab.
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TDS (Tax Deducted at Source) applies if annual interest exceeds ₹40,000 (₹50,000 for senior citizens).
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To avoid TDS, eligible depositors can submit Form 15G/15H.
Why SBI FD is Popular in 2025
The rising uncertainty in equity and crypto markets has pushed many investors toward safe instruments like FDs. SBI, with its nationwide presence and high trust factor, remains a top choice. In 2025, the introduction of flexible payout options and competitive rates further strengthens its appeal.
FAQs
What is the minimum deposit amount for SBI FD 2025?
₹1,000 is the minimum, with no maximum limit.
Can I withdraw my FD before maturity?
Yes, but a small penalty will apply on the interest earned.
Is SBI FD safe for large amounts?
Yes, SBI is a government-backed bank, making it one of the safest options.
How much extra do senior citizens earn?
Senior citizens get an additional 0.50% interest on all tenures.
Can I open an FD online without visiting the branch?
Yes, through SBI net banking or the YONO app.
Click here to know more.