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SBI FD: This bank's strong FD scheme, you will get 76000 as return on investing 2 lakhs

SBI FD: Get a return of up to Rs 76,000 on investing Rs 2 lakh in SBI's new FD scheme! Know the recent cut in interest rates, details of Amrit Vrishti Special FD and complete information about the benefits available to senior citizens.

By Kerala Tak Jun 19, 2025, 09:51 IST

SBI FD: If you make an FD in State Bank of India (SBI) for 5 years and invest Rs 2 lakh, then you will get a total of about Rs 2,76,084 every year at an interest rate of 6.50%. 

That is, you will get a good return on your money. If you want an investment with safe and fixed returns, then SBI FD can be a good option for you. This investment is without any risk and you get a fixed amount after a fixed time.

Customers got a big shock

The country's largest public sector bank, State Bank of India (SBI), has given a big shock to its customers. The bank has reduced the interest rates on all its FDs by 0.15% to 0.25%. 

Along with this, the interest rate on the 444-day special FD 'Amrit Vrishti' has also been reduced by 0.25%. These interest rates are applicable on FDs of less than Rs 3 crore. These new rates of SBI are coming into effect from June 15. After the RBI reduced the repo rate, most banks have reduced the interest on FDs.

SBI also reduced interest on special FD

SBI has also reduced the interest on Amrit Vrishti FD scheme (444 days special FD). Now the interest rate on this has come down from 6.85% to 6.60%. Senior citizens are given 0.50% more interest. Therefore, they will now get 7.10% interest on this FD.

Benefit on SBI's 5 year FD

If you invest Rs 2 lakh in SBI's 5-year FD, then at the interest rate of 6.50%, you will get around Rs 2,76,084 on maturity.

SBI FD Interest Rates:

  1. 7 to 45 days: General public – 3.05%, Senior citizens – 3.55%
  2. 46 to 179 days: General public – 5.05%, Senior citizens – 5.55%
  3. 180 to 210 days: General public – 5.80%, Senior citizens – 6.30%
  4. 211 days to less than 1 year: General public – 6.05%, Senior citizens – 6.55%
  5. 1 year to less than 2 years: General public – 6.25%, Senior citizens – 6.75%
  6. 2 years to less than 3 years: General public – 6.45%, Senior citizens – 6.95%
  7. 3 years to less than 5 years: General public – 6.30%, Senior citizens – 6.80%
  8. 5 years to 10 years: General public - 6.05%, Senior citizens - 7.05%