When it comes to safe and steady investments, the Fixed Deposit (FD) remains one of the top choices for Indians. Among all banks, the State Bank of India (SBI) is especially trusted as the country’s largest public sector bank, offering a variety of FD schemes with guaranteed returns.
Unlike stock markets or mutual funds, FDs carry zero market risk—your principal is always safe, and you know exactly how much you’ll get at maturity. This makes SBI FDs particularly attractive for conservative investors, retirees, and families who prefer certainty over volatility.
FD returns are linked to the Reserve Bank of India’s monetary policy. With recent repo rate cuts, most banks, including SBI, have adjusted rates slightly lower. However, SBI continues to offer competitive returns with flexible tenure options:
Tenure range: 7 days to 10 years
General interest rates: 3.30% to 7.10%
Special Scheme – Amrit Kalash FD (444 days):
6.60% for regular customers
7.10% for senior citizens
3-Year FD Rates:
6.30% for regular customers
6.80% for senior citizens
Amount invested: ₹1,00,000
Tenure: 3 years
Interest rate: 6.30%
Maturity amount: ₹1,20,626
Total gain: ₹20,626
Amount invested: ₹1,00,000
Tenure: 3 years
Interest rate: 6.80%
Maturity amount: ₹1,22,419
Total gain: ₹22,419
👉 As you can see, senior citizens earn ₹1,793 more than regular customers, thanks to the extra interest benefit.
✔ Government-backed security – SBI is India’s largest bank with a strong trust factor
✔ Assured returns – no surprises, guaranteed payout
✔ Flexible tenures – from 7 days up to 10 years
✔ Senior citizen benefits – higher rates for retirees
✔ No market risk – safe even during financial uncertainty
Pick the right tenure – longer FDs generally offer better rates than short ones
Use special schemes – like SBI’s Amrit Kalash FD for extra returns
Try laddering – split investments into multiple FDs with different maturities for liquidity + growth
Reinvest interest – instead of taking monthly payouts, let interest compound for bigger maturity value
Avoid premature withdrawals – breaking FDs early leads to penalties, so plan tenure wisely
The SBI Fixed Deposit Scheme 2025 is a reliable investment option for those seeking safety, guaranteed growth, and flexibility. By investing ₹1 lakh, you can earn up to ₹22,419 in extra income over three years—without worrying about market risks. For retirees and risk-averse investors, SBI’s FD schemes remain one of the best financial tools for stable wealth building.