In today’s unpredictable financial world, if you’re searching for stable monthly income with zero risk, then SBI’s Special Fixed Deposit (FD) Scheme 2025 might be your perfect match. With this plan, you can earn up to ₹31,000 every month, and the offer is only valid until
Let’s understand how you can benefit from this golden opportunity.
What is SBI Special FD 2025?
SBI Special FD 2025 is a limited-period fixed deposit scheme introduced by State Bank of India to offer higher returns and monthly income directly to your savings account.
This plan is ideal for salaried individuals, senior citizens, and conservative investors who want guaranteed earnings without market risks.
Key Highlights of SBI Special FD Scheme 2025
- Monthly Interest Credit: Interest is deposited directly into your savings account every month.
- Higher Interest Rate: Up to 7.4% annually, which is higher than regular FD rates.
- Mnimum Investment: Start with just ₹2 lakh.
- Flexible Tenure: Choose between 3, 5, or 10 years.
- Eligibility: Open to all Indian residents. Senior citizens enjoy extra interest benefits.
How to Earn ₹31,000 Per Month from SBI FD?
To earn ₹31,000 per month, you’ll need to invest a higher principal amount. Here’s a quick breakdown of how much monthly income you can generate based on your investment:
| Investment | Tenure | Interest Rate | Monthly Income | Yearly Income |
|---|---|---|---|---|
| ₹5,00,000 | 5 years | 7.4% | ₹3,083 | ₹37,000 |
| ₹10,00,000 | 5 years | 7.4% | ₹6,166 | ₹74,000 |
| ₹20,00,000 | 5 years | 7.4% | ₹12,333 | ₹1,48,000 |
| ₹30,00,000 | 5 years | 7.4% | ₹18,500 | ₹2,22,000 |
| ₹40,00,000 | 5 years | 7.4% | ₹24,666 | ₹2,96,000 |
| ₹50,00,000 | 5 years | 7.4% | ₹30,833 | ₹3,70,000 |
| ₹1,00,00,000 | 5 years | 7.4% | ₹61,666 | ₹7,40,000 |
How to Apply for SBI Special FD 2025?
SBI has made the process super simple and 100% digital. You can invest via NetBanking, YONO App, or visit a nearby SBI branch.
Online Process via NetBanking/YONO App:
- Login to your SBI NetBanking or YONO App.
- Go to the “Fixed Deposit” section.
- Select “Special FD 2025” from the list.
- Enter your investment amount, tenure, and interest payout preference (monthly).
- Confirm and submit the transaction.
That’s it! Your money is now locked in a safe, high-return instrument from India’s largest bank.
Why Choose SBI Special FD?
- No market risks
- Guaranteed monthly income
- Trusted brand – backed by the Government of India
- Ideal for retirees, homemakers, and anyone who wants safe passive income