State Bank of India (SBI) has always provided safe and attractive investment options for its customers. In 2025, SBI has given investors the opportunity for best interest rates through its new fixed deposit (FD) schemes. These schemes have attracted not only ordinary citizens but also senior citizens.
These new FD schemes of SBI, such as “Amrit Vrishti”, are in discussion due to high interest rates and flexible options. In this article, we will discuss in detail these schemes of SBI, their interest rates, characteristics and their benefits for investors.
SBI’s new FD scheme: What is special?
SBI’s new fixed deposit plans, such as “Amrit Vrishti”, promise to investors high returns and safe investment. These schemes are especially beneficial for those who want to increase their money while avoiding risk.
Amrit rain scheme
- Duration: 444 days
- Interest Rate:
- For ordinary citizens: 7.25% per year
- For senior citizens: 7.75% per year
- For super senior citizens (80 years or more): 7.85% per year
This scheme is ideal for those who want to take advantage of high interest rates in the medium period.
Description of SBI FD Schemes
The table below gives the main information of SBI FD schemes:
| Speciality | Description |
| Minimum deposit | ₹ 1,000 |
| Maximum deposit | No limit |
| Duration | 7 days to 10 years |
| Interest rate (general) | 3.50% to 7.25% per year |
| Interest rate (senior citizen) | 4.00% to 7.75% per year |
| Premature clearance | Available (with penalty) |
| Loan facility | Loan available against FD |
SBI FD interest rates (2025)
SBI has set different interest rates for different periods. The table below gives details of interest rates:
Interest rates for ordinary citizens:
| Duration | Interest rate (% per year) |
| 7 days to 45 days | 3.50% |
| 46 days to 179 days | 5.50% |
| 180 days to 210 days | 6.25% |
| 211 days to 1 year | 6.50% |
| From 1 year to 2 years | 6.80% |
| From 2 years to 3 years | 7.00% |
| From 3 years to 5 years | 6.75% |
| 5 years and above (up to 10 years) | 6.50% |
Interest Rates for Senior Citizens:
| Duration | Interest rate (% per year) |
| 7 days to 45 days | 4.00% |
| 46 days to 179 days | 6.00% |
| 180 days to 210 days | 6.75% |
| Less than 211 days (up to 1 year) | 7.00% |
| Duration less than 1 year (up to 2 years) | 7.30% |
| Duration less than 2 years (up to 3 years) | 7.50% |
| Long period (up to 5-10 years)-including SBI WeCare Scheme | 7.50% |
Why invest in SBI FD?
Benefits:
- Safe investment: SBI is the largest government bank in India, which provides guaranteed returns.
- Flexible period: Investors can choose the duration according to their needs.
- Senior Citizen Benefits: Senior citizens get additional interest rate benefits.
- Special Schemes: Schemes like Amrit Vrishti provide high returns.
- Loan Facility: You can take a loan against your FD.
Loss:
- Taxable Return: Interest on FD is taxable.
- Penalty on premature withdrawal: Premature withdrawal takes penalty.
How to invest in SBI FD?
It is very easy to invest in SBI FD. You can use the following ways:
- Online medium: using SBI Net Banking or Mobile App.
- Branch Visit: Apply by going to the nearest SBI branch.
Online process:
- Login on SBI Net Banking Portal.
- Go to the “Deposit and Investment” section and choose “Fixed Deposit”.
- Select the deposit and duration.
- Confirm and submit the details.
Special SBI FD Schemes
Amrit Vrishti Yojana:
In this 444 days of this scheme, senior citizens get the highest interest, providing them financial security.
Sbi wecare scheme:
The scheme is specially designed for senior citizens, with additional interest on long -term FDS.
conclusion
SBI’s new FD schemes are ideal for those who want safe and stable returns. Schemes such as “Amrit Vrishti” provide high interest rates, making it popular among investors. However, keep in mind your financial needs and goals before investing.
Disclaimer:
This article is written only for the purpose of providing information. Before investing, check the latest interest rates and conditions from the official website or branch of SBI.
