The current uncertain financial atmosphere demands safe and reliable investment avenues. SBI Fixed Deposit scheme emerges as an option for risk-averse investors interested in guaranteed returns. Whether the plan is for short-term goals or long-term financial well-being, they offer flexible tenures, attractive interest rates, and assured returns.
Why go for SBI Fixed Deposit?
SBI—India’s most trusted bank—has an FD scheme for financial stability and steady growth. Unlike market investments with ups and downs, an FD guarantees fixed returns; hence, it suits risk-averse people.
Benefits of SBI FD
- Low Minimum Investment – Start with just ₹100 per month.
- No Upper Limit – Deposit as much as you want.
- Flexible Tenures – Choose from 6 months to 10 years.
- Higher Interest Rates – Better returns compared to regular savings accounts.
- Tax-Saving Options – Avail deductions under Section 80C with tax-saving FDs.
Current SBI FD Interest Rates (2025)
Your returns depend on the investment tenure and amount. Here are the latest interest rates:
| Tenure | Interest Rate (p.a.) |
|---|---|
| 5 Years | 6.50% |
| 2 to 3 Years | 7.00% |
| 3 to 5 Years | 6.75% |
The longer you invest, the higher your earnings.
How Much Will You Earn?
Let’s say you invest ₹6 lakh in an SBI FD for 5 years at 6.5% interest. Here’s how your money grows:
- Principal Amount: ₹6,00,000
- Total Interest Earned: ₹2,28,252
- Maturity Value: ₹8,28,252
This means your investment nearly doubles in just five years—without any market risks!
How to Calculate Your Returns?
Use SBI’s FD Calculator to estimate your exact returns based on your investment amount and tenure.