Fixed Deposits (FDs) have always been a trusted choice for Indians who want guaranteed returns and financial security. Among the many banks, the State Bank of India (SBI) stands out because of its reliability and variety of FD schemes.
In 2025, SBI FD Plans 2025 bring both Tax Saving FD options and schemes designed for High Returns, giving customers flexibility to match their financial goals. Whether you’re saving for the short term, planning retirement, or looking to reduce your tax liability, SBI has something for you.
Why Choose SBI FD Plans 2025?
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Backed by India’s largest and most trusted bank
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Flexible tenure ranging from 7 days to 10 years
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Attractive interest rates for regular citizens and higher rates for senior citizens
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Options for tax saving under Section 80C
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Safe investment with guaranteed returns
Types of SBI Fixed Deposit Options in 2025
Here’s a quick look at the most popular SBI FD Plans 2025:
| FD Type | Tenure | Key Benefit |
|---|---|---|
| Regular Fixed Deposit | 7 days – 10 years | Flexible investment & assured returns |
| Tax Saving FD | 5 years (lock-in) | Tax benefits under Section 80C |
| SBI Annuity Deposit | 36, 60, 84, or 120 months | Monthly payout option |
| SBI Multi Option Deposit | Linked with savings a/c | Partial withdrawal flexibility |
| Senior Citizen FD | 7 days – 10 years | Extra 0.50% interest rate |
Tax Saving FD – Secure Returns with Tax Benefits
One of the most attractive SBI Fixed Deposit Options in 2025 is the Tax Saving FD.
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Tenure: 5 years (compulsory lock-in)
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Tax Benefit: Eligible for deductions up to ₹1.5 lakh under Section 80C
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Premature Withdrawal: Not allowed
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Who Should Invest? Salaried individuals and taxpayers looking to save on taxes while earning fixed interest
SBI FD Plans 2025 for High Returns
For those aiming at High Returns, SBI offers special FD schemes with competitive rates.
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Long-term FDs (5–10 years) fetch higher interest compared to short-term deposits
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Senior Citizens get an additional 0.50% interest on all FDs
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Monthly/quarterly interest payout options make it ideal for retirees
Tip: If you’re not looking for tax benefits, go for a longer tenure FD to maximize returns.
Benefits of Investing in SBI FD Plans 2025
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Assured Returns – unaffected by market fluctuations
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Flexible Payouts – monthly, quarterly, or at maturity
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Tax Saving FD option for dual benefits of savings + tax deduction
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Loan Facility – avail a loan against your FD in case of emergency
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Digital Access – open and manage FDs easily through SBI NetBanking or YONO app
FAQs on SBI FD Plans 2025
Q1. What is the minimum amount required to open an SBI Fixed Deposit?
You can start an SBI FD with as little as ₹1,000, making it accessible for everyone.
Q2. Can I withdraw my Tax Saving FD before maturity?
No, Tax Saving FD has a mandatory lock-in period of 5 years, so premature withdrawal is not allowed.
Q3. Do senior citizens get higher interest on SBI FD Plans 2025?
Yes, SBI offers an extra 0.50% interest rate to senior citizens on all FD schemes.
Q4. Which SBI FD is best for high returns?
For High Returns, long-term SBI Fixed Deposit Options (5–10 years) and senior citizen FDs are the best choices.
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