When it comes to safe and reliable investments, Fixed Deposits (FDs) have always been a favorite among Indians. And when we talk about trust, State Bank of India (SBI) stands right at the top.
With SBI Fixed Deposit Interest 2025, the bank continues to offer competitive rates that cater to both general investors and senior citizens looking for secure and consistent returns.
Whether you are saving for the short term or planning for your retirement years, knowing the latest FD rates is the first step toward smart investing.
Why Choose SBI Fixed Deposits in 2025?
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Trust & 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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Special Rates for Senior Citizens – Additional interest benefit
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Multiple Payout Options – Monthly, quarterly, or on maturity
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Loan Facility – Get loans against your FD without breaking it
Latest SBI Fixed Deposit Interest 2025 – Updated FD Rates
Here’s a quick look at the SBI FD rates for 2025 across different tenures:
| Tenure | FD Rates (General) | FD Rates (Senior Citizens) |
|---|---|---|
| 7 – 45 days | 3.50% p.a. | 4.00% p.a. |
| 46 – 179 days | 4.75% p.a. | 5.25% p.a. |
| 180 – 210 days | 5.75% p.a. | 6.25% p.a. |
| 211 days – < 1 year | 6.00% p.a. | 6.50% p.a. |
| 1 year – < 2 years | 6.80% p.a. | 7.30% p.a. |
| 2 years – < 3 years | 7.00% p.a. | 7.50% p.a. |
| 3 years – < 5 years | 6.50% p.a. | 7.00% p.a. |
| 5 years – 10 years | 6.50% p.a. | 7.50% p.a. |
Rates are indicative and subject to change. Always check with your nearest SBI branch or official website before investing.
Benefits of Investing in SBI Fixed Deposits
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Steady Income – Ideal for risk-averse investors
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Higher Returns for Senior Citizens – Up to 0.50% extra
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Tax-Saving Option – 5-year FD eligible under Section 80C
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Easy Liquidity – Option to break FD in emergencies
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Nomination Facility – Ensures smooth transfer to nominees
SBI Tax-Saving FD – A Smart Choice in 2025
If you’re looking for both security and tax benefits, SBI’s 5-year Tax Saving FD could be perfect:
| Feature | Details |
|---|---|
| Minimum Investment | ₹1,000 |
| Maximum Investment | ₹1.5 lakh per year |
| Lock-in Period | 5 years |
| Tax Benefit | Under Section 80C |
| Premature Withdrawal | Not allowed before 5 years |
How to Open an SBI FD in 2025?
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Online – Through SBI Net Banking or YONO app
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Offline – Visit the nearest SBI branch with KYC documents
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Required Documents – ID proof, address proof, passport-size photo
FAQs
Q1. What is the highest FD rate offered by SBI in 2025?
The highest FD rate for general citizens is 7.00% p.a., while senior citizens can earn up to 7.50% p.a. depending on the tenure.
Q2. Does SBI offer special FD schemes for senior citizens?
Yes, senior citizens enjoy an additional 0.50% interest rate on all tenures, making it an attractive option for retirees.
Q3. Can I break my SBI FD before maturity?
Yes, premature withdrawal is allowed but may involve a penalty on the applicable interest rate.
Q4. Is the SBI Tax-Saving FD a good option in 2025?
Absolutely! It offers both stable returns and tax deductions under Section 80C, making it a solid investment choice for long-term savings.
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