SBI Special FD 2025 : Looking for a stable monthly income without taking market risks? The SBI Special Fixed Deposit (FD) Scheme 2025 might just be the perfect choice for you. This exclusive fixed deposit plan by the State Bank of India ensures a fixed monthly income of ₹31,000 – ideal for retirees, salaried individuals, and conservative investors. But hurry, the application window is open only till 31st May 2025.
In this article, we’ll walk you through all the key details of the SBI Special FD 2025 – from features, benefits, eligibility, to returns – everything you need to make an informed decision.
What is SBI Special FD 2025?
The SBI Special Fixed Deposit 2025 is a limited-period investment plan designed to offer assured monthly income. With rising financial uncertainties and volatile markets, this scheme ensures peace of mind and regular returns.
Key Highlights:
- Guaranteed monthly income of ₹31,000
- Tenure options with attractive interest rates
- Suitable for senior citizens and risk-averse investors
- Safe and secure with backing from India’s largest public sector bank
How Does SBI Special FD 2025 Work?
This FD scheme is structured in a way that the interest earned is paid out monthly, while the principal remains locked-in for the selected tenure. It’s a non-cumulative FD, which means the interest doesn’t compound – instead, it is credited to your account every month.
Here’s how it works:
- You deposit a lump sum amount with SBI
- You choose a tenure (usually 36 to 120 months)
- You get a fixed monthly payout (e.g. ₹31,000)
- At the end of the tenure, you get back the original principal amount
Monthly Income Calculation Table
Below is a sample table showcasing how much you need to deposit to receive ₹31,000 per month across different interest rate slabs:
| Tenure | Interest Rate | Required Deposit | Monthly Payout | Total Payout Over Tenure |
|---|---|---|---|---|
| 3 Years | 7.10% | ₹52,00,000 | ₹31,000 | ₹11,16,000 |
| 4 Years | 7.25% | ₹50,70,000 | ₹31,000 | ₹14,88,000 |
| 5 Years | 7.40% | ₹49,50,000 | ₹31,000 | ₹18,60,000 |
| 6 Years | 7.50% | ₹48,75,000 | ₹31,000 | ₹22,32,000 |
| 7 Years | 7.55% | ₹48,20,000 | ₹31,000 | ₹26,04,000 |
| 8 Years | 7.60% | ₹47,70,000 | ₹31,000 | ₹29,76,000 |
| 10 Years | 7.65% | ₹47,20,000 | ₹31,000 | ₹37,20,000 |
Note: The above values are indicative and may vary depending on the actual interest rates applicable at the time of deposit.
Who Can Apply for SBI Special FD 2025?
This scheme is open to various categories of investors, including individual investors and senior citizens.
Eligibility Criteria:
- Resident Indian Individuals
- Senior Citizens (additional interest benefit may apply)
- Joint account holders
- Trusts, Societies, and NRIs (subject to terms and conditions)
Documents Required:
- PAN Card
- Aadhaar Card or any valid ID proof
- Passport-size photographs
- Address proof
- Bank account details
See more : SBI FD Rates for Senior Citizens in 2025
Benefits of SBI Special FD Scheme
The SBI Special FD 2025 offers a wide range of advantages that make it one of the top investment choices in the current economic climate.
Top Benefits:
- Monthly Income Assurance: Fixed ₹31,000 every month directly to your bank account.
- Zero Market Risk: Not impacted by market volatility or inflation.
- Easy Liquidity: Premature withdrawal available (with minor penalty).
- Loan Facility: Can avail loan against FD up to 90% of FD amount.
- Tax Benefit: TDS applicable, but exemption possible with Form 15G/15H.
Comparison with Other Investment Options
Wondering how this stacks up against other popular monthly income instruments? Let’s take a look:
| Investment Option | Risk Level | Monthly Return (₹) | Lock-in Period | Liquidity | Taxation |
|---|---|---|---|---|---|
| SBI Special FD | Very Low | ₹31,000 | 3-10 Years | Moderate | TDS |
| Post Office MIS | Low | ₹25,000 | 5 Years | Moderate | TDS |
| Monthly Income Mutual Funds | Moderate | Varies | None | High | Taxable |
| Corporate FDs | Medium | ₹35,000 | 3-5 Years | Moderate | TDS |
| Senior Citizen Saving Scheme | Very Low | ₹27,000 | 5 Years | Low | TDS |
How to Apply for SBI Special FD 2025?
You can easily open this FD by visiting your nearest SBI branch or through SBI’s digital platforms.
Steps to Apply:
- Visit SBI’s official website or the nearest branch.
- Choose the “SBI Special FD 2025” plan.
- Fill out the application form with necessary details.
- Submit KYC documents.
- Deposit the amount via cheque/online transfer.
- Choose the monthly payout option.
- Collect the acknowledgement slip and FD certificate.
You can also call SBI customer service or contact your relationship manager for personalized assistance.
Important Dates and Deadlines
Don’t miss the window to secure your future with this stable investment.
| Event | Date |
|---|---|
| Scheme Launch | April 1, 2025 |
| Last Date to Apply | May 31, 2025 |
| Monthly Payout Starts | From Deposit Date |
| Interest Crediting Date | 1st of Every Month |
| Early Withdrawal Allowed | After 6 Months |
The SBI Special FD 2025 is an excellent option for those seeking stability, safety, and steady monthly income. With inflation concerns rising and traditional investments offering inconsistent returns, this FD offers the perfect blend of safety and assurance.
Whether you are a retiree looking to manage household expenses or a salaried professional aiming to generate passive income, this FD can be a smart addition to your financial portfolio.
But don’t delay – the last date to apply is 31st May 2025.
This article is for informational purposes only. Interest rates and terms may vary as per SBI’s final offering. Always consult a certified financial advisor or visit the official SBI website before investing.
