The retail fixed-deposit (FD) investment has been historically safe, stable, income-generating for Indian investors. It has some changes in interest rates in FDs in 2025 from State Bank of India (SBI), which added some appealing options to the investors. This is all about bringing better returns to investors and maintaining financial stability. Without further ado, let’s dive into SBI FD Interest Rates.
Interest Rate Details
This year in 2025, SBI revised its FD interest rates for different tenures. It was fixed from 3.50% to 7.25% for the general customer category and from 4.00% to 7.75% for senior citizens. This is applicable for all the tenures from 7 days to 10 years.
Notably, SBI’s “Amrit Vrishti” scheme, which has a tenure of 444 days, offers interest of 7.25% for general customers and 7.75% for senior citizens. This scheme is available up to 31 March 2025.
Special Benefits For Senior Citizens
SBI provides those advantages to the elderly people as well. In the SBI V-Care scheme, the senior citizens get an interest of 7.50% for the tenure ranging from 5 years to 10 years. This is a good scheme for safety seekers amongst the senior citizens for a long time.
Features Of FD
The minimum investment princely to SBI FD is ₹1,000 and there is no maximum limit imposed. Investors may also choose to receive interest on monthly, quarterly, half-yearly or yearly intervals, as per individual convenience. Also, tax is deducted at source (TDS) on interest earned on FDs once it crosses a specified limit.
Advice For Investors
As per the experts, investing in FDs at the current interest rate would be a prudent move, since these rates might be lower in the future. Investors are encouraged to invest in FDs bearing in mind their financial strategies and avail special schemes of SBI.
Future Prospects
SBI FD Interest Rates 2025 are a good option for safe and stable investors. Thus, this scheme acts as a dual advantage for such investors by providing regular income and helping them meet their financial goals.
SBI FD could prove to be quite a good option for keeping your investments safe and earning stable returns. Are you thinking of investing in this scheme? Come let’s discuss!
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