The State Bank of India (SBI), the biggest bank in the country in the public sector, still has FD schemes that are safe and also quite rewarding in the year 2025. Though there are revised interest rates and special short-term offers, still, SBI FDs are a good pick for conservative investors who want guaranteed returns and flexible tenures.
Latest SBI FD Interest Rates – November 2025
For deposits below ₹2 crore, SBI has very attractive interest rates for different tenures. Take a look quickly:
| Tenure | Regular Rate | Senior Citizen Rate |
|---|---|---|
| 7 days to 45 days | 3.00% | 3.50% |
| 46 days to 179 days | 4.50% | 5.00% |
| 180 days to 1 year | 5.75% | 6.25% |
| 1 year to <2 years | 6.60% | 7.10% |
| 2 years to 3 years | 6.50% | 7.00% |
| 5-year Tax Saver FD | 6.05% | 7.05% |
Special Short-Term Offers
By introducing special FD schemes like Amrit Kalash, SBI provides an opportunity for investors to get higher returns for their short tenures:
- Amrit Kalash FD (400 days):
- Regular Rate: 7.10%
- Senior Citizen Rate: 7.60%
- Limited time offer
The short-term offers are very good for the investors who do not mind waiting for a little longer in exchange for better returns.
Senior Citizen Benefits
Retired people get an extra 0.50% interest throughout the tenure which is great. This feature makes SBI FDs a reliable source of income for them especially when the interest payout is monthly or quarterly.
How to Invest
You can open an SBI FD via:
- SBI Net Banking
- YONO App
- The nearest SBI branch
The minimum deposit is ₹1,000, no maximum limit for regular FDs.
Final Thoughts
In the year 2025, the FD schemes offered by SBI will be lauded for their safety, flexibility, and good returns. If you look at the interest rates of 7.60% and the special short-term options like Amrit Kalash, SBI is undoubtedly the safest place for savings. Irrespective of whether you are planning for your retirement or for short-term projects, SBI FDs can be considered for slow and steady growth.