By Admin 
SBI Fixed Deposit: Investing in the share market is subject to risk, that is, there is a fear of losing the money invested in the share market. In such a situation, if you do not have that much capacity to take risk, but also want good returns, then fixed deposits (FDs) can be a good option for you. In this, fixed returns are guaranteed and there is no fear of losing money.
If you invest in a bank FD for a fixed period, the maturity amount gets credited to your account on completion of the period. Today we are going to tell you through this news what is the way to earn interest up to Rs 86012 on State Bank of India (SBI) FD with a tenure of 2.5 years.
Interest rate of banks keeps changing
First of all, it is important to know that banks keep changing the interest rates offered on FDs for different periods of time, which is based on the repo rate decided by the Monetary Policy Committee of RBI. This time, in the monetary policy meeting held between 4-6 February, the Reserve Bank of India did not make any change in the repo rate and kept it at 5.25 percent. Like other banks, SBI also gives different interest rates on FDs for different tenures, which are different for senior citizens and general public.
Interest rates on SBI’s FD
| Tenure | Interest rates for general public (from 15/12/2025) | For Senior Citizens (from 15/12/2025) |
| 7 days to 45 days | 3.05 | 3.55 |
| 46 days to 179 days | 4.9 | 5.4 |
| 180 days to 210 days | 5.65 | 6.15 |
| 211 days to less than 1 year | 5.9 | 6.4 |
| 1 year to less than 2 years | 6.25 | 6.75 |
| 2 years to less than 3 years | 6.4 | 6.9 |
| 3 years to less than 5 years | 6.3 | 6.8 |
| up to 5 years and 10 years | 6.05 | 7.05* |
If you want to earn Rs 86012 from SBI FD in 2.5 years, then you will have to invest capital of Rs 500000. Currently, the interest rate on SBI FD for tenure of more than 2 years and less than 3 years is 6.4 percent. Based on this, your Rs 5 lakh will become Rs 586012 after 2.5 years. No change in the repo rate means that the value of the deposit rate will remain the same as banks will have no particular reason to adjust their interest payouts early.
Also read:
‘Buy…’ This stock has the power to give 55% return, why does the brokerage have confidence in this energy stock?