State Bank of India (SBI), the country’s largest public-sector bank, continues to be the most trusted choice for safe and steady investment. In 2025, SBI’s Fixed Deposit (FD) scheme is offering attractive interest rates that can help investors earn ₹22,419 interest on a ₹1 lakh deposit making it one of the best low-risk investment options for salaried individuals, retirees, and conservative investors.
How SBI FD Gives ₹22,419 on ₹1 Lakh
The ₹22,419 interest return is based on SBI’s long-term FD slab, where the bank offers higher interest rates for multi-year deposits. Over the chosen tenure, the interest compounds annually, allowing the principal amount of ₹1,00,000 to grow steadily. The scheme is particularly beneficial for those looking for guaranteed returns without worrying about market fluctuations.
Interest Rate and Tenure Breakdown
SBI FD rates for 2025 vary based on tenure, with the best returns generally seen in the 3–5 year slab. Senior citizens enjoy an additional interest rate benefit, giving them even higher maturity value. By choosing the optimal tenure, investors can maximize earnings and receive the maturity amount directly in their bank account upon completion.
Why SBI FD Is a Safe Investment
SBI is backed by the Government of India, ensuring maximum trust and stability. Additionally, all fixed deposits are protected up to ₹5 lakh under DICGC insurance, adding another layer of safety. For those who prioritize security over risk, SBI FD remains a highly dependable option.
Benefits of the SBI FD Scheme 2025
The scheme offers a range of advantages:
- Guaranteed fixed returns with no market-related risk
- Flexible tenures to suit every investor’s goal
- Higher interest rates for senior citizens
- Option for monthly, quarterly, or annual interest payouts
- Easy digital opening through SBI YONO or net banking
Who Should Choose This FD Scheme
This FD scheme is ideal for:
- Individuals preparing for future financial goals
- Retirees seeking stable interest income
- First-time investors preferring safe returns
- Conservative investors avoiding volatile markets
Application Process
Opening an FD with SBI is simple.
You can invest through:
- SBI YONO App
- Net Banking
- Nearest SBI Branch
Only basic KYC and a savings account are needed.
Conclusion
The SBI FD Scheme 2025 offering ₹22,419 interest on ₹1 lakh stands out as one of the most reliable investment choices of the year. With guaranteed returns, a strong safety net, and flexible terms, this FD plan is perfect for individuals who want steady growth with zero risk.
