Fixed Deposits (FDs) are one of the most trusted and secure savings options in India. Among all banks, the State Bank of India (SBI) – the country’s largest public sector bank – remains the first choice for millions of investors. With attractive FD rates, guaranteed returns, and flexible tenures, SBI ensures that your hard-earned money grows steadily without any risk.
In this article, we will explain:
- SBI’s latest FD interest rates
- How much return you get on a ₹1,00,000 deposit
- Special FD schemes like “Amrit Kalash”
- FD rates for senior citizens vs. regular customers
- Why SBI FD is considered a safe and smart investment
Table of Contents
SBI FD Scheme: A Safe and Secure Option
FDs are popular among Indians because they provide fixed returns irrespective of market fluctuations. Unlike stocks, mutual funds, or gold, FDs guarantee your maturity amount. For people looking for stability and security, SBI FDs are a reliable option.
SBI allows you to invest for as little as 7 days or as long as 10 years, making it flexible for both short-term and long-term savers.
Latest SBI FD Interest Rates (2025)
Currently, SBI offers FD rates ranging from 3.30% to 7.10% depending on the tenure and customer type.
SBI FD Interest Rates (For Regular Customers):
- 7 days to 45 days – 3.30%
- 46 days to 179 days – 4.75%
- 180 days to 210 days – 5.75%
- 211 days to less than 1 year – 6.00%
- 1 year to less than 2 years – 6.80%
- 2 years to less than 3 years – 6.80%
- 3 years to less than 5 years – 6.30%
- 5 years to 10 years – 6.50%
SBI FD Interest Rates (For Senior Citizens):
- Senior citizens enjoy an additional 0.50% interest rate compared to regular customers.
- For example, a 3-year FD offers 6.80% for seniors vs. 6.30% for regular customers.
Special Scheme – “Amrit Kalash FD”
- Tenure: 444 days
- Interest Rate: 6.60% for regular customers, 7.10% for senior citizens
- One of the highest FD rates currently offered by SBI
How Much Will You Earn on ₹1,00,000 Deposit in SBI FD?
Let’s calculate the maturity amount for both regular customers and senior citizens.
| Investor Type | Tenure | Interest Rate | Investment | Maturity Amount | Fixed Interest Earned |
|---|---|---|---|---|---|
| Regular Customer | 3 years | 6.30% | ₹1,00,000 | ₹1,20,626 | ₹20,626 |
| Senior Citizen | 3 years | 6.80% | ₹1,00,000 | ₹1,22,419 | ₹22,419 |
✅ As you can see, senior citizens benefit the most, earning up to ₹22,419 as fixed interest on a 3-year deposit of ₹1,00,000.
Why Should You Invest in SBI FD?
- Safety & Security – Being a public sector bank, SBI ensures the highest level of trust and reliability.
- Guaranteed Returns – Unlike mutual funds or shares, your returns are fixed and risk-free.
- Flexible Tenures – Choose from 7 days to 10 years as per your need.
- Special Schemes – Extra benefits for senior citizens and special FDs like Amrit Kalash.
- Loan Against FD – In emergencies, you can take a loan against your FD instead of breaking it.
Tax Benefits on SBI FD
- If you invest in a 5-year Tax Saver FD, you can claim deductions under Section 80C of the Income Tax Act (up to ₹1.5 lakh).
- However, the interest earned on FDs is taxable, and banks deduct TDS if your annual interest exceeds ₹40,000 (₹50,000 for senior citizens).
Conclusion
The SBI FD scheme remains one of the safest and most rewarding investment options in 2025. With returns up to 7.10%, flexible tenures, and special benefits for senior citizens, it is an ideal choice for both short-term and long-term savers.
If you invest ₹1,00,000, you can earn up to ₹22,419 as fixed interest, ensuring guaranteed income without any risk.
For anyone looking for safe, stable, and assured returns, the SBI Fixed Deposit continues to be one of the best options in India.
