The SBI FD Interest Rates 2025 offer secure and reliable returns for both regular investors and senior citizens, making them one of the most trusted investment options in India. The State Bank of India provides multiple fixed deposit tenures, flexible payout options, and competitive interest rates that cater to different financial goals — whether short-term savings or long-term wealth creation.
Current SBI FD Interest Rates 2025
As of now, SBI FD Interest Rates 2025 range between 3.50% to 7.50% depending on the tenure and the category of the investor. Senior citizens receive an additional 0.50% interest on top of regular rates, ensuring better returns for retirement savings.
Tenure |
Regular Citizens |
Senior Citizens |
|---|---|---|
7 days – 45 days |
3.50% |
4.00% |
46 days – 179 days |
4.75% |
5.25% |
180 days – 210 days |
5.75% |
6.25% |
211 days – less than 1 year |
6.00% |
6.50% |
1 year – less than 2 years |
6.80% |
7.30% |
2 years – less than 3 years |
7.00% |
7.50% |
3 years – less than 5 years |
6.80% |
7.30% |
5 years – 10 years |
6.50% |
7.00% |
(Rates are indicative and subject to change as per SBI guidelines)
Key Features of SBI FDs in 2025
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Safety & Security: Backed by India’s largest public sector bank.
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Flexible Tenures: From 7 days to 10 years.
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High Returns for Seniors: Additional 0.50% interest for senior citizens.
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Multiple Payout Options: Monthly, quarterly, or cumulative interest payouts.
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Premature Withdrawal Facility: Available with nominal penalties.
Benefits of Investing in SBI FD 2025
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Assured Returns: No market risk, fixed interest payout.
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Liquidity: Loans against FDs available up to 90% of deposit value.
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Tax-Saving Option: 5-year tax saver FD eligible for deductions under Section 80C.
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Easy Account Opening: Through SBI branches, internet banking, or YONO app.
Senior Citizen Advantage
Senior citizens enjoy higher rates, making SBI FDs ideal for stable post-retirement income. A ₹10 lakh FD for 3 years can yield significantly higher returns for senior investors compared to regular rates, providing better financial security.
How to Open an SBI FD in 2025
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Online: Through SBI Internet Banking or the YONO SBI app.
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Offline: Visit the nearest SBI branch with identity proof, address proof, and deposit amount.
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Nomination Facility: Available for all deposit accounts.
Tips to Maximize SBI FD Returns
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Opt for longer tenure FDs to lock in higher rates.
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Consider laddering deposits for liquidity and better rate capture.
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Reinvest interest payouts for compounding benefits.
FAQs
What is the highest SBI FD interest rate in 2025?
The highest rate is 7.50% for senior citizens on select tenures.
Is the SBI FD interest taxable?
Yes, interest earned is taxable as per your income slab.
Can I break my SBI FD before maturity?
Yes, but a small penalty applies on premature withdrawals.
Does SBI offer special rates for bulk deposits?
Yes, deposits above ₹2 crore have separate rates.
Can I open an SBI FD without visiting the branch?
Yes, it can be opened entirely online through SBI’s YONO app or net banking.
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