State Bank of India (SBI) is the largest public sector bank in India, providing various types of financial services to customers. Fixed Deposit (FD) is a popular investment option, which gives safe and assured returns. In 2025, SBI has made changes in its FD interest rates, making it even more attractive to investors. In this article, we will discuss in detail about SBI FD interest rates, plans and their benefits.
SBI Fixed Deposit Rates 2025: Overview
The table below gives the main information of SBI’s FD schemes:
| Speciality | Description |
| Interest rate (general) | 3.50% – 7.25% per year |
| Interest rate (senior citizen) | 4.00% – 7.75% per year |
| Maximum interest rate | 7.25% (for 444 days) |
| Minimum deposit | ₹ 1,000 |
| Duration | 7 days to 10 years |
| Tax Saving FD | 6.50% per year |
| Special plan | Amrit Kalash (400 days) – 7.10% |
SBI FD Interest Rates: General Citizen and Senior Citizen
SBI has fixed different periods and different interest rates for customer classes. The table below has interest rates for ordinary citizens and senior citizens:
Interest rates for general citizen
| Duration | Interest rate (per year) |
| 7 days to 45 days | 3.50% |
| 46 days to 179 days | 5.50% |
| 180 days to 210 days | 6.25% |
| 211 days to <1 year | 6.50% |
| 1 year to <2 years | 6.80% |
| 2 years to <3 years | 7.00% |
| 3 years to <5 years | 6.75% |
| From 5 years to 10 years | 6.50% |
Interest rates for senior citizen
Senior citizens get additional benefits. Their interest rates are higher than that of ordinary citizens:
| Duration | Interest rate (per year) |
| 7 days to 45 days | 4.00% |
| 46 days to 179 days | 6.00% |
| 180 days to 210 days | 6.75% |
| 211 days to <1 year | 7.00% |
| 1 year to <2 years | 7.30% |
| 2 years to <3 years | 7.50% |
| 3 years to <5 years | 7.25% |
| From 5 years to <10 years | 7.50% |
Special FD schemes of SBI
SBI has introduced some special schemes to give better returns to customers:
Amrit kalash scheme
- Duration: 400 days
- Interest Rate for General Citizen: 7.10%
- Interest Rate for Senior Citizen: 7.60%
- The scheme is available till March 2025.
Amrit rain scheme
- Duration: 444 days
- Interest Rate for General Citizen: 7.25%
- Interest Rate for Senior Citizen: 7.75%
Other important information on SBI FD
Tax Saving FD
- This scheme offers the option to save tax under Section 80C.
- Minimum lock-in period: 5 years
- Interest Rate: 6.50% per year
Premature withdrawal penalty
- On deposit up to ₹ 5 lakh: 0.50% penalty
- On deposit of up to ₹ 3 crore above ₹ 5 lakh: 1% penalty
Loan facility
Loan facility is available on FD. Customers can get a part of their deposits as a loan.
The right time to invest?
If you want a safe and sure return, then SBI’s FD schemes can be a good option at the present time. It is suitable for senior citizens and investors especially at the risk.
Why invest now?
- Currently high interest rates are available.
- Special schemes such as Amrit Kalash and Amrit Vrishti are available for limited time.
- By investing in long -term schemes, you can avoid possible interest cuts in future.
conclusion
SBI’s Fixed Deposit schemes are a great option for safe investment. High interest rates, tax saving options and special schemes make it even more attractive. If you want to keep your money safe and make sure returns, then SBI FD may be right for you.
Disclaimer: This article is written only for the purpose of providing information. Consult your financial advisor or bank officer before investing.
