For all the people out there who are looking for a rewarding way to grow money in 2025, SBI Fixed Deposits is one of the most trusted investment options in India. Whether you’re a cautious investor, a first-time saver, or someone looking to park a lump sum without the stress of market fluctuations, fixed deposits are an ideal investment solution.
In 2025, let’s tap the power of fixed deposits with new interest rates and updates, along with smarter strategies to maximize profits.
SBI offers FD time rates run from 3 to 6.5% for general citizens, and 4 to 7.5% for senior citizens. The bank was founded in Mumbai, and provides various banking products and services to its customers, including savings accounts, fixed deposits, loans, and credit cards.
Customers can invest their surplus savings in various fixed deposit schemes that offer attractive interest rates for a specific period. The depositor has to put in the money once at the time of opening the account and select a tenure period that seems convenient to them. No more deposits or withdrawal can be entertained at any time during the running tenure.
Along with conventional FDs, SBI offers special term deposit schemes to its clients. These special FD schemes are structured around varying customer needs. Some of these special FD schemes include:
- SBI Sarvottam
- SBI Tax-saving Scheme,
- SBI Special Term Deposit
SBI FD Rates 2025
The below mentioned table show the SBI FD rates – below 3Cr and Above 3Cr:
| SBI FD Rates 2025 (Below 3 Cr) | SBI FD Rates 2025 (Above 3 Cr) | ||||
| Tenure | Regular Customers | Senior Citizen | Tenure | Regular Customers | Senior Citizen |
| 7 days to 45 days | 3.30 | 3.80 | 7 days to 14 days | 4.75 | 5.25 |
| 15 days to 45 days | 5.25 | 5.75 | |||
| 46 days to 179 days | 5.30 | 5.80 | 46 days to 179 days | 5.75 | 6.25 |
| 180 days to 210 days | 6.05 | 6.55 | 180 days to 210 days | 6.00 | 6.50 |
| 211 days to less than 1 year | 6.30 | 6.08 | 211 days to less than 1 year | 6.00 | 6.50 |
| 1 year to less than 2 years | 6.50 | 7.00 | 1 year to less than 2 years | 6.50 | 7.00 |
| 2 years to less than 3 years | 6.70 | 7.20 | 2 years to less than 3 years | 6.40 | 6.90 |
| 3 years to less than 5 years | 6.55 | 7.05 | 3 years to less than 5 years | 6.25 | 6.75 |
| 5 years and up to 10 years | 6.30 | 7.30 | 5 years and up to 10 years | 6.25 | 6.75 |
Revised FD Interest Rates (Effective from 2025)
SBI has revised its interest rates to remain competitive while continuing to be a safer option during volatility.
- General Public: Interest rates vary between 3.50% p.a. and 7.05% p.a. depending on the chosen tenure.
- Senior Citizens: 0.50% extra interest rate over standard rates is given, thus bringing returns at maximum at 7.55% p.a.
- Super Senior Citizens (for some special schemes): They get another benefit, and hence higher rates, up to 7.65% p.a.
Special FD Schemes in 2025
For selected tenures, SBI has introduced some special one-time schemes, promising more impressive returns:
- Amrit Kalash (400 Days)
- General Public: 7.10% p.a.
- Senior Citizens: 7.60% p.a.
- Scheme Validity: Till 31 March 2025
This is suitable for short- to mid-term investors who are seeking higher returns for a shorter lock-in.
- Amrit Vrishti (444 Days)
- General Public: 7.05% p.a.
- Senior Citizens: 7.55% p.a.
- Super Senior Citizens: 7.65% p.a.
- Revised with a slightly downward curve over last year’s scheme.
This is a temporary limited-period FD with the aim to act as a perfect medium between short and long term in terms of tenures.
- SBI WeCare Scheme (5—10 Years)
- Specifically created for senior citizens
- Offers 7.50% p.a. on the higher side
The aim to help with retirement savings that offer secured long-term returns
Value-Added Features of SBI Fixed Deposits
SBI offers a wide range of value-added features that enhance the flexibility, safety, and convenience of your investment:
- Loan against FD
- In case of urgent financial need, users can draw an amount that is up to 90% of the FD.
- Loan interest rates are often lower than personal loans, so this is an ideal way of raising liquidity without breaking your FDs.
- This is available for Regular and Tax Saver FDs (subject to some conditions).
- Auto-Renewal Option
- SBI allows you to choose an auto-renewal facility upon a fixed deposit’s maturity.
- This saves you from the task of renewal or tracking maturity dates manually.
- Auto-renewal settings can be amended anytime through online banking.
- Premature Withdrawal
- SBI allows you to withdraw your FD before maturity; in emergency cases, this offers flexibility.
- A penalty of 0.50% to 1% would apply, depending on the tenure and amount.
- Premature closure is not allowed for Tax Saving FD for 5 years.
- Online Booking & Management
- Instant FD booking and management through:
- SBI YONO App
- Internet Banking (onlinesbi.com)
- SBI ATM (limited services)
- Nearest SBI Branch
- Track interest accruals, maturity dates, and renewals from the comfort of your home.
- Multiple Interest Payout Options
- There are numerous payout options such as Monthly/Quarterly Payout (Non-Cumulative)
- Reinvestment Option (Cumulative payment of interest is compounded and credited at maturity)
- This is a deal for income and capital growth.
Eligibility Criteria for Opening an SBI FD Account
- Resident individuals holding single or joint ownership of accounts.
- Minors with parents’/guardians’ consent.
- Karta of Hindu Undivided Families (HUFs).
- Partnership Firms.
- Local Bodies and any government department.
- Companies.
- Trusts.
- Societies.
- Non-Resident Indians and Persons of Indian Origin.
Documents Required to Open an SBI FD
- PAN card
- Bank account number
- Bank IFSC Code
- Bank branch number
- Passport
- Voter ID
- Driver’s license
- Aadhaar card
- Bank statement with a cheque
- Service discharge certificate
How to Invest in an SBI FD?
You have several ways to invest in an SBI FD:
- Internet Banking
Step 1: Log in to the SBI net banking.
Step 2: Click on Deposit & Investment > Deposit > Fixed Deposit.
Step 3: On the next page, choose the account from which the FD amount will be debited.
Step 4: Enter and select the following:
- Enter the Principal amount
- Select the term deposit option
- Accept the terms and conditions
Step 5: Click on the Submit.
- Mobile banking
Step 1: Download and log in to the Yono SBI app.
Step 2: Click the Deposits menu from the main screen, and select Fixed Deposits > Open Fixed Deposits button.
Step 3: Fill in the details and click Next.
Step 4: Check the details, tick the agreement box, and click Confirm.
- Through the Bank
You may also open an FD by simply going to the SBI bank branch and asking for the FD opening form. Fill in the form and hand it to the bank for opening an FD.
Disclaimer.
The information presented in this article is put forth only for general informational purposes and is not to be solicited as financial advice. Any interest rate, scheme, or features mentioned above are based on publicly available information as of the year 2025 and can change at any time at the discretion of the State Bank of India (SBI). Before investing in any scheme, the latest happenings should be directly verified about any scheme from the SBI website or your nearest branch.
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