State Bank of India (SBI) remains one of the primary banking institutions in India for investments that are safe and stable. The Fixed Deposits scheme of the SBI has again been the major attraction for investors looking for guaranteed returns without the risk of the market in 2025. One of the biggest factors is the possibility of getting ₹22,419 from an investment of ₹1 lakh which is making it a trustworthy option for both short and long-term depositors.
Interest Rates Offered Under SBI FD 2025
SBI has changed its FD interest rates for 2025 and now it offers very handsome returns in different tenure options. Regular citizens can earn between 3% and 7% depending on for how long they want to keep their money with the bank. Senior citizens are given a benefit of getting an interest of 0.50% more than the regular citizens, thus SBI is an attractive bank for the elderly who want to invest their money in a safe place and earn a little. The new rates offered by SBI for FDs provide a better alternative than a traditional savings account.
How Much Will You Earn On ₹1 Lakh? Full Calculation
The investor who decides to invest ₹1 lakh in SBI’s FD for a period of 7% interest will get a total amount of ₹22,419 at the end of the period, depending upon the frequency of compounding and the tenure he/she has selected. SBI calculates the interest on FDs every 3 months which guarantees that the growth is maintained consistently. Thus the FDs of SBI are very suitable for those people who require a constant and predictable income which is not affected by market fluctuations.
Types Of FDs Available For Investors
SBI provides a variety of FD plans to meet various savings requirements of the customers. The Term Deposit FD offers fixed returns for a defined period, while the Tax Saver FD gives the benefit of tax exemption under Section 80C with a 5-year lock-in period. The Annuity and Recurring Deposit plans lend support for either monthly income or monthly savings lifestyle. Investors can select from a wide range of tenures ranging from a minimum of 7 days to a maximum of 10 years.
SBI FD, a Safe Investment In 2025
Among various investment options in 2025, the Fixed Deposits of SBI stand out to be the safest one due to the bank’s government-backed credibility, stable interest rates, and guaranteed returns. The DICGC scheme insures deposits of up to ₹5 lakh, thus providing depositors with a greater sense of security. Risk-averse individuals, pensioners, and novice savers will find no better place than SBI FDs to invest their money since the returns are guaranteed and the risk is nil.
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