SBI Fixed Deposit: Investing in the stock market is subject to risk, meaning there is a fear of losing the money invested. In such a situation, if you don't have much risk-taking capacity but still want good returns, then Fixed Deposits (FDs) can be a good option for you. It guarantees a fixed return, and there is no fear of losing money.
If you invest in a bank FD for a fixed period, the maturity amount is credited to your account upon completion of the term. Today, through this news, we will tell you how to earn up to ₹86,012 in interest on a State Bank of India (SBI) FD with a tenure of 2.5 years.
Bank interest rates keep changing
First of all, it is important to know that banks keep changing the interest rates offered on FDs for different tenures, which are based on the repo rate decided by the RBI's Monetary Policy Committee. This time, in the Monetary Policy meeting held between February 4-6, the Reserve Bank of India kept the repo rate unchanged at 5.25 percent. Like other banks, SBI also offers different interest rates on FDs for different tenures, which are different for senior citizens and the general public.
SBI FD Interest Rates
| Tenure |
Interest Rates for General Public (from 15/12/2025) |
Interest Rates for Senior Citizens (from 15/12/2025) |
|---|---|---|
| 7 days to 45 days | 3.05% | 3.55% |
| 46 days to 179 days | 4.90% | 5.40% |
| 180 days to 210 days | 5.65% | 6.15% |
| 211 days to less than 1 year | 5.90% | 6.40% |
| 1 year to less than 2 years | 6.25% | 6.75% |
| 2 years to less than 3 years | 6.40% | 6.90% |
| 3 years to less than 5 years | 6.30% | 6.80% |
| 5 years to 10 years | 6.05% | 7.05%* |
If you want to earn ₹86,012 from an SBI FD in 2.5 years, you will have to invest a capital of ₹500,000. Currently, the interest rate on SBI FDs for a period of more than 2 years and less than 3 years is 6.4 percent. Based on this, your ₹5 lakh will become ₹586,012 after 2.5 years. The fact that the repo rate remains unchanged means that the deposit rate will also likely stay the same, as banks would have no particular reason to adjust their interest payouts quickly.
