Fixed deposits are among the most reliable investment options in India, offering safety and guaranteed returns. As the largest public sector bank, the State Bank of India (SBI) provides multiple FD schemes catering to different financial goals. The SBI FD Plans 2025 include tax-saving deposits, flexible tenures, and high-return options, making them suitable for salaried individuals, senior citizens, and long-term investors.
With interest rates revised in September 2025, SBI continues to attract depositors looking for secure yet rewarding investments. From short-term deposits to 10-year FDs, investors can choose plans that align with their financial needs.
Why Choose SBI FD Plans in 2025
The SBI FD Plans 2025 are designed to benefit investors in multiple ways:
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Guaranteed Returns: Interest is fixed and unaffected by market fluctuations.
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Flexible Tenure: Deposits range from 7 days to 10 years.
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Loan Facility: Borrow up to 90% of the deposit amount.
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Senior Citizen Benefits: Higher rates and special “SBI Wecare” scheme.
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Tax Savings: Eligible FDs allow deductions under Section 80C.
These features make SBI FDs ideal for both short-term savings and long-term wealth creation.
Types of SBI FD Plans 2025
1. Regular Fixed Deposit
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Available to all individuals.
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Tenure ranges from 7 days to 10 years.
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Flexible payout options.
2. Tax-Saving FD
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Lock-in period of 5 years.
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Eligible for deduction up to ₹1.5 lakh under Section 80C.
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No premature withdrawal allowed.
3. SBI Annuity FD Scheme
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Monthly payout of principal plus interest.
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Acts as a pension-like income for retirees.
4. Flexi Deposit Scheme
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Flexible deposit amounts with varying tenures.
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Suitable for irregular income earners.
5. Multi-Option Deposit Scheme
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Auto-sweep facility from savings account to FD.
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Ensures liquidity with higher returns.
These schemes make the SBI FD Plans 2025 versatile and accessible to different customer groups.
Interest Rates on SBI FDs in 2025
As of September 2025, SBI offers competitive interest rates:
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7 days to 45 days: 3.50% (3.75% for senior citizens)
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46 days to 179 days: 4.75% (5.25% for senior citizens)
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180 days to less than 1 year: 5.75% (6.25% for senior citizens)
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1 year to less than 2 years: 6.75% (7.25% for senior citizens)
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2 years to less than 3 years: 7.00% (7.50% for senior citizens)
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3 years to less than 5 years: 7.25% (7.75% for senior citizens)
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5 years to 10 years: 7.50% (8.00% for senior citizens)
Senior citizens receive an additional 0.50% on all deposits.
Benefits of Tax-Saving SBI FD
The tax-saving option under SBI FD Plans 2025 remains popular:
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Eligible for deductions up to ₹1.5 lakh under Section 80C.
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Lock-in period ensures disciplined savings.
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Annual interest payout option available.
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Safe alternative to risky investment instruments.
This makes it perfect for salaried employees planning tax savings and retirement security.
How to Open an SBI FD in 2025
Online Process
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Login to SBI Net Banking or YONO app.
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Select “e-Fixed Deposit.”
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Enter deposit amount, tenure, and payout preference.
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Confirm and submit.
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Receive instant e-FD receipt.
Offline Process
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Visit nearest SBI branch.
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Fill FD application form.
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Submit documents like Aadhaar, PAN, and address proof.
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Deposit cash or cheque.
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Collect FD receipt from the bank.
Both methods ensure quick account activation and interest tracking.
Taxation Rules for SBI FD 2025
Interest earned from SBI FDs is taxable:
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TDS applies if annual interest exceeds ₹40,000 (₹50,000 for senior citizens).
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Investors can submit Form 15G/15H if income is below taxable limits.
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Tax-saving FDs are exempt under Section 80C up to ₹1.5 lakh.
Knowing taxation rules helps investors maximize returns effectively.
Conclusion
The SBI FD Plans 2025 remain one of the most reliable investment choices, combining safety with attractive returns. With multiple schemes like tax-saving FDs, annuity plans, and flexi deposits, SBI caters to the diverse needs of Indian investors. Higher rates for senior citizens and flexible tenures further enhance the appeal. For those looking to balance stability and returns in 2025, SBI FDs continue to be a top choice.
FAQs
What is the highest interest rate offered by SBI in 2025?
SBI offers up to 7.50% for regular customers and 8.00% for senior citizens.
Can I open an SBI FD online?
Yes, SBI allows easy online FD creation through Net Banking and the YONO app.
Is there a lock-in period for tax-saving FDs?
Yes, tax-saving FDs have a mandatory 5-year lock-in.
Can I take a loan against my SBI FD?
Yes, loans up to 90% of FD value are available.
Who should invest in SBI FD Plans 2025?
Anyone seeking safe, guaranteed returns with flexible tenures and tax-saving options.