SBI Bank Fixed Deposit (FD) Scheme 2025 New Interest Rate | SBI FD and SIP Return on ₹5 lakh Deposit

📌 SBI Bank FD Scheme 2025 | New Interest Rate & SIP Return on ₹5 Lakh – Full Details Explained! Welcome to our channel! In this video, we’re breaking down everything you need to know about the SBI (State Bank of India) Fixed Deposit (FD) Scheme 2025 and the SIP (Systematic Investment Plan) return on ₹5 lakh investment. Whether you're a conservative saver or a smart investor, this guide will help you make informed financial decisions in 2025. 🔹 SBI Fixed Deposit (FD) Scheme 2025 Highlights: SBI is India’s largest public sector bank, and its FD schemes remain one of the most trusted saving options for crores of Indians. In 2025, SBI has announced updated interest rates on FDs, which vary according to the tenure and the depositor’s age category. ✅ Revised FD Interest Rates (as of June 2025): For General Public: 7 days to 45 days – 3.50% 46 days to 179 days – 4.75% 180 days to 1 year – 5.75% 1 year to less than 2 years – 6.80% 2 years to less than 3 years – 7.00% 3 years to less than 5 years – 6.75% 5 years and above – 6.50% ✅ Senior Citizen FD Rates (Additional 0.50%): Up to 7.50% for select tenures These rates ensure safer and guaranteed returns for those looking to park their savings in a low-risk investment. 🔹 What Will You Earn on ₹5 Lakh FD? Let’s take an example: ₹5 lakh for 3 years at 6.75% (general rate) You’ll earn approx ₹1,08,000 as interest Maturity Amount: ₹6,08,000 (without quarterly payout) For senior citizens, the same investment could yield around ₹1,20,000, with a total maturity value of ₹6,20,000 over 3 years. 🔹 SBI SIP Return on ₹5 Lakh Investment: If you're considering mutual fund SIPs instead of FDs and want to invest ₹5 lakh via SBI Mutual Funds: Let's say you invest ₹5 lakh in a Balanced Advantage Fund or Equity Hybrid Fund Assuming a return rate of 10-12% annually over 5 years: Your corpus may grow to ₹8.1–₹8.9 lakh SIPs offer higher returns but come with market risks and are ideal for long-term wealth creation. 🔹 FD vs SIP – Which Is Better in 2025? FDs: Secure, guaranteed returns, ideal for short to medium term SIPs: Market-linked, potentially higher returns, good for long-term goals Best Strategy: Diversify – balance both options based on your risk appetite 📈 Watch the full video to: ✅ Compare SBI FD vs SIP returns ✅ Understand tax implications ✅ Learn which option suits your financial goals ✅ See expert analysis on 2025 rates & market conditions 👉 Don’t forget to Like, Share & Subscribe for more banking updates, investment guides, and personal finance tips! 🔔 Hit the bell icon for real-time updates on SBI and other bank schemes! #SBIFD2025 #SBISIPReturns #SBIFixedDeposit #SBIInterestRate2025 #FDvsSIP #InvestSmart #PersonalFinanceIndia #SBIMutualFundReturns #BankingUpdate #SBI2025Schemes #BestFDInIndia2025