SBI FD Scheme 2025 – SBI (State Bank of India) has officially opened applications for its Fixed Deposit Scheme 2025, offering attractive interest rates and safe investment options for both regular and senior citizen depositors. This scheme has generated considerable interest due to its revised high returns and simplified process. Whether you’re a working professional, a retiree, or planning a secure financial future, this article provides a complete breakdown of eligibility, benefits, interest rates, and how to apply for the SBI FD Scheme 2025.
What is the SBI FD Scheme 2025?
The SBI Fixed Deposit Scheme 2025 is a secure investment plan launched by the State Bank of India, offering guaranteed returns over a fixed tenure. With rising interest rates and inflation, this scheme is being promoted as a safe and profitable investment option by India’s largest public sector bank.
Here’s why it’s gaining attention:
- High interest rates compared to regular savings
- Fixed and secure returns
- Special rates for senior citizens
- Flexible tenures from 7 days to 10 years
- Option for premature withdrawal (with certain conditions)
Key Benefits of SBI FD 2025
SBI FD 2025 offers multiple advantages to account holders looking for safe investment with decent returns. Here are the main benefits:
- Guaranteed returns irrespective of market conditions
- Higher interest rates for senior citizens (above 60 years)
- Tax-saving FD option under Section 80C
- Auto-renewal and nomination facilities available
- Monthly, quarterly, half-yearly or yearly interest payout options
- No hidden charges
- Loans available against FD up to 90% of deposit amount
Latest Interest Rates for SBI Fixed Deposit (As of July 2025)
The following table shows the latest interest rates being offered under SBI FD Scheme 2025:
| Tenure | Interest Rate (General) | Interest Rate (Senior Citizens) |
|---|---|---|
| 7 days to 45 days | 3.00% | 3.50% |
| 46 days to 179 days | 4.75% | 5.25% |
| 180 days to 210 days | 5.75% | 6.25% |
| 211 days to less than 1 yr | 6.00% | 6.50% |
| 1 year to less than 2 yrs | 6.80% | 7.30% |
| 2 yrs to less than 3 yrs | 7.00% | 7.50% |
| 3 yrs to 5 yrs | 7.10% | 7.60% |
| 5 yrs to 10 yrs | 7.25% | 7.75% |
Who Can Apply – SBI FD Eligibility Criteria 2025
The scheme is open to a wide range of depositors. Below is a list of those who are eligible to apply:
- Resident individuals (single or joint)
- Senior citizens aged 60 and above
- Minors (under guardianship)
- Hindu Undivided Families (HUFs)
- Partnership firms, companies, trusts, and associations
- NRIs under NRE/NRO FD schemes (separate terms apply)
Important points to note:
- A PAN card is mandatory for deposits above ₹50,000
- Senior citizens need to submit age proof for additional benefits
- KYC documents (Aadhaar, PAN, photo) are required
Step-by-Step Process to Open SBI FD Account in 2025
Applying for the SBI FD Scheme 2025 is simple and can be done both online and offline. Here’s how:
Online Application:
- Log in to SBI Internet Banking or YONO app
- Click on “Fixed Deposit” under the “Deposit” section
- Choose “Open e-TDR/e-STDR”
- Select account, tenure, amount, and interest payout mode
- Review the details and confirm
Offline Application:
- Visit your nearest SBI branch
- Ask for the Fixed Deposit opening form
- Submit KYC documents and a passport-sized photo
- Deposit the amount via cash or cheque
- Receive the FD receipt or advice
Special Features of SBI FD Scheme 2025
The 2025 edition of SBI’s FD scheme includes upgraded features for enhanced customer experience and financial security:
| Feature | Description |
|---|---|
| Senior Citizen Extra Interest | 0.50% additional interest across all tenures |
| Auto-Renewal Option | FD can be renewed automatically on maturity |
| Loan Against FD | Up to 90% loan of deposit value available |
| TDS Management | Form 15G/15H submission allowed to avoid TDS |
| Nomination Facility | Available at the time of opening the account |
| Pre-closure Facility | Partial withdrawal allowed with penalty on interest |
| Investment Limit | No upper cap for investment |
| Tax Saving FD (5 Years) | Eligible under Section 80C of Income Tax Act |
Why SBI FD is a Better Option in 2025?
With volatile stock markets and uncertain returns from other instruments, the SBI FD scheme offers unmatched stability. Here’s why many investors are preferring it in 2025:
- Government-backed security through SBI
- Flexible deposit and maturity periods
- Higher interest than savings accounts and some mutual funds
- Low risk, especially suitable for retirees and conservative investors
Important Things to Remember Before Investing
Before you open your SBI Fixed Deposit account, here are a few crucial points to consider:
- Premature withdrawal may reduce the interest rate
- TDS will be applicable if interest exceeds ₹40,000 (₹50,000 for senior citizens)
- For tax-saving FDs, the lock-in period is 5 years
- Always update your nominee and KYC details
The SBI FD Scheme 2025 is one of the safest and most rewarding investment options currently available for those seeking fixed returns. With attractive interest rates, minimal risk, and additional benefits for senior citizens, it serves as a reliable tool for wealth growth and financial planning. Whether you’re saving for the future or creating a retirement fund, SBI’s FD scheme deserves serious consideration.
Frequently Asked Questions (FAQs)
1. What is the minimum amount required to open an SBI FD in 2025?
The minimum deposit amount is ₹1,000. There is no maximum limit.
2. Can I break my SBI Fixed Deposit before maturity?
Yes, premature withdrawal is allowed, but a penalty of up to 0.50% on the applicable interest rate may apply.
3. Do senior citizens get extra interest on SBI FD?
Yes, senior citizens receive an additional 0.50% interest on all tenures.
4. Is the SBI Tax Saver FD available under this scheme?
Yes, a 5-year Tax Saver FD is available and eligible under Section 80C for tax deductions up to ₹1.5 lakh.
5. Can I open an SBI FD account online without visiting the branch?
Yes, using SBI NetBanking or the YONO app, you can open and manage FD accounts fully online.