SBI FD Interest Rates 2025 — Complete Guide with Official Rates (SBI FD Interest Rate/ସୁଧ ହାର)
State Bank of India (SBI) is India’s largest and most trusted bank. Millions of people invest in SBI Fixed Deposits (FDs) every year because they offer guaranteed returns, flexible tenures, and safety. In 2025, SBI has revised its FD rates twice — most recently on July 15, 2025.
An FD is simple: you deposit a fixed amount for a fixed time, and SBI pays you interest at a pre-decided rate. No market risk, no surprises. SBI FD ହେଉଛି ଗୋଟେ ସୁରକ୍ଷିତ ଓ ନିଶ୍ଚିତ ରିଟର୍ନ ବିକଳ୍ପ.
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| SBI FD Interest Rates 2025 Complete Guide with Latest Official Rates (SBI FD ସୁଧ ହାର 2025) |
What is an SBI Fixed Deposit?
A Fixed Deposit (FD) is one of the safest investment instruments. When you put money in an SBI FD, it stays locked for the tenure you select, and interest is calculated at the agreed rate. Unlike a savings account, the rate does not fluctuate. You can choose short-term (7 days) or long-term (up to 10 years) FDs.
You can also avail loans against your FD, making it both an investment and an emergency backup.
Latest SBI FD Interest Rates (As on July 15, 2025)
Here are the official SBI FD rates for deposits below ₹3 crore:
| Tenure | General Public | Senior Citizens |
|---|---|---|
| 7 days to 45 days | 3.05% | 3.55% |
| 46 to 179 days | 4.90% | 5.40% |
| 180 to 210 days | 5.65% | 6.15% |
| 211 days to < 1 year | 5.90% | 6.40% |
| 1 year to < 2 years | 6.25% | 6.75% |
| 2 years to < 3 years | 6.45% | 6.95% |
| 3 years to < 5 years | 6.30% | 6.80% |
| 5 years to 10 years | 6.05% | 7.05% (WeCare) |
Note: Senior citizens enjoy 0.50% extra interest on almost all FD tenures. For long-term (5+ years), SBI offers an additional bonus under the SBI WeCare scheme.
👉 Check Official SBI FD Rates Here 👉 Use SBI FD Calculator
Special SBI FD Schemes in 2025
- Amrit Vrishti FD (444 Days): 6.60% (general), 7.10% (senior citizens).
- SBI WeCare: Additional 0.50% for senior citizens on deposits of 5 years and above.
- Non-Callable FD: Higher interest (0.30%–0.40% extra) but no premature withdrawal allowed.
- SBI Tax Saver FD: 5-year FD eligible for deduction under Section 80C (₹1.5 lakh limit).
How to Calculate FD Maturity Value
SBI provides an online FD calculator. But here’s a quick example:
Example: ₹1,00,000 invested for 1 year at 6.25% → Maturity Value = ₹1,06,250.
Formula: Maturity = Principal × (1 + Rate/100 × Time in years)
ଆପଣ SBI FD Calculator ବ୍ୟବହାର କରି ଯେକୌଣସି tenure ପାଇଁ ସହଜରେ maturity ଚେକ କରିପାରିବେ.
Benefits of SBI FD
- Safe and risk-free investment.
- Flexible tenure — from 7 days to 10 years.
- Loan facility up to 90% of FD value.
- Premature withdrawal (with penalty) available.
- Nomination and auto-renewal facility.
How to Open an SBI FD
You can open an SBI FD in three ways:
- Branch: Visit any SBI branch with KYC documents.
- YONO App: Open FD digitally in minutes.
- Internet Banking: Log in to SBI Online and select “Fixed Deposit”.
Tax Benefits & TDS Rules
Interest earned on SBI FD is taxable. If yearly interest exceeds ₹50,000 (for general) or ₹1,00,000 (for senior citizens), SBI deducts TDS.
To avoid TDS, eligible individuals can submit Form 15G/15H.
Tax Saver FD: SBI’s 5-year FD qualifies for income tax deduction under Section 80C (limit ₹1.5 lakh).
ନିବେଶ ପୂର୍ବରୁ Tax benefit ବିଷୟରେ ଜାଣିବା ଅତ୍ୟାବଶ୍ୟକ.
SBI FD vs Other Investments
Compared to mutual funds, FDs are safe but offer moderate returns. Compared to PPF/NSC, SBI FD offers more liquidity (premature withdrawal allowed). For senior citizens, SBI FD is one of the most reliable income options.
Frequently Asked Questions (FAQs)
Q: What is the minimum deposit for SBI FD?
A: ₹1,000 only.
Q: Can I withdraw FD before maturity?
A: Yes, but a small penalty applies.
Q: What is the maximum tenure?
A: Up to 10 years.
Q: Is SBI FD good for senior citizens?
A: Yes, they get an additional 0.50% interest and WeCare benefit.
Q: Are SBI FD returns guaranteed?
A: Yes, returns are fixed and backed by India’s largest bank.
Conclusion
SBI Fixed Deposits continue to be a safe, secure, and rewarding investment for both young investors and retirees. With flexible schemes, tax benefits, and higher rates for senior citizens, SBI FD is a trusted choice in 2025.
ଆଜି SBI FD ରେ ନିବେଶ କରି, ଆପଣଙ୍କ ଭବିଷ୍ୟତ ସୁରକ୍ଷିତ କରନ୍ତୁ.
👨💼 Written by PARTHASARATHI PANDA (M.Com) | Blogger, YouTuber & Digital Creator
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