SBI Special FD Scheme 2025 : The State Bank of India (SBI), India’s largest public sector bank, has rolled out an exclusive fixed deposit (FD) scheme for 2025 that is attracting massive attention from investors. With the potential to earn up to ₹31,000 every month, this special FD is tailor-made for those seeking secure, high-return investment options without taking on market risk. However, this offer is only valid until May 31, 2025.
Let’s dive into the complete details of this high-interest SBI Special FD Scheme.
What is the SBI Special FD Scheme 2025?
SBI’s Special FD Scheme is a limited-period fixed deposit option that offers investors higher interest rates compared to regular FD accounts. This scheme is ideal for individuals who want steady monthly income, such as retirees or those without fixed salaries.
- Scheme valid till: May 31, 2025
- Monthly Income: Up to ₹31,000
- Investment Type: Fixed Deposit (FD)
- Risk: Low (backed by SBI)
- Ideal For: Retired individuals, salaried people, senior citizens, homemakers
Key Features of SBI Special FD 2025
- Tenure: 5 years (60 months)
- Interest Payout: Monthly
- Minimum Investment: ₹5 lakh
- Maximum Investment: No limit (as per bank norms)
- Interest Rate: Up to 8.3% annually
- Premature Withdrawal: Allowed with penalty
- Tax Benefits: TDS applicable as per income tax rules
SBI FD Returns Table – Example Projections
Here’s how much monthly income you can generate by investing in this FD scheme:
| Investment Amount | Interest Rate | Monthly Income | Total Return After 5 Years |
|---|---|---|---|
| ₹5,00,000 | 8.00% | ₹3,333 | ₹7,00,000 approx. |
| ₹10,00,000 | 8.10% | ₹6,750 | ₹14,10,000 approx. |
| ₹15,00,000 | 8.20% | ₹10,250 | ₹21,25,000 approx. |
| ₹20,00,000 | 8.25% | ₹13,750 | ₹28,60,000 approx. |
| ₹25,00,000 | 8.30% | ₹17,300 | ₹36,25,000 approx. |
| ₹40,00,000 | 8.30% | ₹27,700 | ₹58,00,000 approx. |
| ₹45,00,000 | 8.30% | ₹31,000 | ₹65,25,000 approx. |
Who Should Invest in This Scheme?
This FD scheme is suitable for:
- Senior Citizens – Looking for safe monthly income
- Retired Government Employees – Wanting to park retirement funds safely
- Housewives/Homemakers – Seeking secure returns without market risk
- Salaried Professionals – Wanting to build a steady secondary income
- Parents of Students – Needing regular funds for education expenses
Benefits of SBI Special FD Scheme
- High Interest Rates: Better than normal FD rates
- Monthly Payouts: Regular income without breaking the deposit
- Safe and Secure: SBI is government-backed, ensuring capital protection
- Flexible Investment Amounts: Choose based on your income goals
- Tax Saving Option: Opt for 5-year tax-saving FD variant if needed
How to Apply for SBI Special FD Scheme 2025?
Applying for the scheme is quick and simple. Here’s how you can do it:
- Online Application: Through SBI YONO app or internet banking
- Offline Application: Visit your nearest SBI branch
- Required Documents:
- Aadhaar Card
- PAN Card
- Recent Passport Size Photograph
- Proof of Address
- Bank Passbook (if existing customer)
Important Terms and Conditions
- TDS will be deducted as per the prevailing tax norms
- Premature withdrawals attract penalty charges
- Interest rates may vary based on market conditions
- Monthly income may vary based on the deposit amount and interest slab
- This scheme is available for a limited period only, ending May 31, 2025
Why You Shouldn’t Miss This SBI FD
With rising inflation and market uncertainties, fixed deposits remain one of the safest and most stable investment options. The SBI Special FD Scheme 2025 gives you the dual advantage of safety and monthly income, making it a perfect choice for conservative investors.
Act before May 31 to secure your funds in this high-return FD plan and start earning up to ₹31,000 monthly.