SBI Special FD Scheme 2025

SBI Special FD Scheme Interest Rates

FD Rates in India are highly competitive, making fixed deposits a reliable investment option for many investors. The SBI Special FD scheme offers the following interest rates:

As of May 2025, the interest rates for the SBI Special FD Scheme 2025 are:

• For the General Public: The rates have been revised from 7.05% to 6.85% per annum in May, 2025.
• For Senior Citizens: An elevated 7.35% per annum.
• For Super Senior Citizens (80 years and above): A highly attractive 7.45% per annum.

These rates ensure a solid return over the scheme's unique fixed tenure, and distinguishes it from other standard fixed deposit offerings in the market. Moreover, SBI staff and pensioners receive additional interest benefits, making it an even more rewarding choice for them.

Benefits of SBI Special FD Scheme

The special fixed deposit scheme 2025 by SBI offers more than just competitive interest rates; it offers multiple benefits to many investors.

• Guaranteed Returns: The SBI special FD scheme 2025 offers assured returns to its investors, making it a safe and predictable investment option amid volatile market conditions.
• Strategic Tenor: The scheme has a fixed 444-day tenure of investment, striking a balance between short-term liquidity and long-term growth. This unique tenure is perfect for those targeting specific financial goals roughly a year and a half away.
• Senior Citizens-Centric: SBI's commitment to senior and super senior citizens is evident in the preferential rates. SBI Special FD Scheme 2025 is an ideal investment choice for retirees seeking stable, higher income from their savings.
• Liquidity Through Loan Facility: One of the top benefits of the scheme lies in its liquidity option through an overdraft facility. In the event of an uncertain need for funds, you don't necessarily have to break your FD; rather, you can conveniently take a loan facility against your SBI Special FD scheme deposit, allowing you to access funds while your investment continues to earn interest.
• Easy Access and Investment: SBI ensures your investment experience is comfortable and convenient. To invest, you can open an account through various convenient channels, including any SBI branch, via Internet Banking, or using the popular YONO mobile application.

Important Details for Investors

It is essential to know the following important details before investing in the SBI Special FD scheme 2025:

• Minimum Deposit: With the SBI Special FD Scheme 2025, you can start investing with as little as ₹1,000.
• Eligibility: The scheme is open to domestic retail term deposits, including NRI Rupee Term Deposits (for amounts less than ₹3 crore). It applies to both new deposits and the renewal of existing ones.
• Interest Payout: Interest can be paid monthly, quarterly, or half-yearly for term deposits, providing regular income. For special term deposits, the interest is compounded and paid upon maturity.
• Premature Withdrawal: While allowed, premature withdrawals do incur a penalty. For deposits up to ₹5 lakh, a 0.50% penalty applies. For deposits above ₹5 lakh (up to ₹3 crore), the penalty is 1%. However, SBI staff and pensioners are exempt from these penalties. No interest is paid if the deposit is withdrawn within 7 days.

How to Invest in SBI Special FD Scheme?

You can invest in the Scheme through online or offline modes.

1. Online Method: 

   Existing customers can follow the given steps to invest in the Special FD Scheme by SBI:

   Step 1: Log into your SBI Internet Banking account or the YONO app.

   Step 2: Look for the 'Deposits' section.

   Step 3: Select 'Fixed Deposits.'

   Step 4: Choose 'Amrit Vrishti,' and follow the stated procedure to complete your investment.

2. Offline Method:

   Step 1: Visit your nearest SBI branch.

   Step 2: Fill the Amrit Vrishti FD application form.

   Step 3: Submit your deposit.

   Step 4: Complete the process as per bank's rules and regulations.

   New customers follow the bank's prompts to invest in SBI Special FD Scheme 2025.

Conclusion 

SBIs Special FD Scheme 2025 or Amrit Vrishti is an absolute go-to investment option for various investors, especially senior citizens,who want guaranteed returns, competitive SBI FD interest rates, and a balanced tenure for investment. Maximize your returns through SBI Special FD Scheme.