{"id":9580,"date":"2026-06-09T14:57:11","date_gmt":"2026-06-09T09:27:11","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=9580"},"modified":"2026-06-09T14:57:17","modified_gmt":"2026-06-09T09:27:17","slug":"5-best-sbi-investment-schemes-offering-up-to-7-05-interest-which-one-should-you-choose","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/5-best-sbi-investment-schemes-offering-up-to-7-05-interest-which-one-should-you-choose\/","title":{"rendered":"5 Best SBI Investment Schemes Offering Up to 7.05% Interest: Which One Should You Choose?"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis: <\/strong><em>By 2026, despite market volatility and uncertainty, investors opt for safer choices. SBI stays a go-to bank with its secure fixed deposits and steady returns. This article covers key SBI deposit schemes that offers decent returns.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Safe investing matters a lot to many Indian households, particularly those who prefer protecting capital over taking risks in the market. As India\u2019s biggest public sector bank, SBI offers various deposit schemes that balance security, flexibility, and consistent returns. By 2026, these options remain a solid base for folks saving for retirement.\u00a0<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1507322855\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-top-schemes-by-sbi\" style=\"font-size:22px\"><strong>Top Schemes by SBI\u00a0<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-sbi-regular-fixed-deposit\" style=\"font-size:18px\"><strong>1. SBI Regular Fixed Deposit<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tenure: 7 days to 10 years<\/li>\n\n\n\n<li>Interest rates (approx.): 3.05% to 6.45% p.a. for general customers<\/li>\n\n\n\n<li>Minimum deposit amount: \u20b91,000\/-<\/li>\n\n\n\n<li>Maximum deposit amount: No Upper Limit<\/li>\n\n\n\n<li>Senior citizens get an additional 0.50% interest benefit<\/li>\n\n\n\n<li>Interest payout options: monthly, quarterly, or cumulative<\/li>\n\n\n\n<li>Loan facility available against FD<\/li>\n<\/ul>\n\n\n<div id=\"footable_parent_9581\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"9581\" data-filter-delay=\"1000\" aria-label=\"Mutual Fund - Sheet1 (92).csv\"            id=\"footable_9581\"\n           data-unique_identifier=\"ninja_table_unique_id_2939381223_9581\"\n           class=\" foo-table ninja_footable foo_table_9581 ninja_table_unique_id_2939381223_9581 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-sbi-tax-saving-fixed-deposit-5-year-lock-in\" style=\"font-size:18px\"><strong>2. SBI Tax Saving Fixed Deposit (5-year lock-in)\u00a0<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tax Benefit: Eligible for deduction under Section 80C (up to \u20b91.5 lakh per year)<\/li>\n\n\n\n<li>Lock-in Period: 5 years (no early withdrawal)<\/li>\n\n\n\n<li>Tenure Range: 5 to 10 years<\/li>\n\n\n\n<li>Minimum Deposit: \u20b91,000 (\u20b910,000 for senior citizens)<\/li>\n\n\n\n<li>Maximum Investment: \u20b91.5 lakh per financial year (for tax benefit)<\/li>\n\n\n\n<li>Interest Rate: Same as SBI regular FD rates <strong>6.05% (public)<\/strong> and <strong>7.05% (senior citizens)<\/strong> for 5-year tenure.\u00a0<\/li>\n\n\n\n<li>Interest Payment: Monthly, quarterly, or at maturity<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-sbi-amrit-vrishti-fixed-deposit-444-days\" style=\"font-size:18px\"><strong>3. SBI Amrit Vrishti Fixed Deposit\u00a0 (444 Days)\u00a0<\/strong><\/h3>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\"><\/ol>\n\n\n\n<p>The <strong>SBI Amrit Vrishti FD<\/strong> is a <strong>special fixed deposit scheme<\/strong> designed to offer <strong>higher interest rates than regular FDs<\/strong> for a specific tenure.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tenure: 444 days<\/li>\n\n\n\n<li>Interest Rate:<strong> 6.45% p.a<\/strong>. for the general public and <strong>6.95% p.a<\/strong>. for senior citizens and <strong>7.05%<\/strong> for super senior citizens.\u00a0<\/li>\n\n\n\n<li>Eligible Deposits: Domestic retail term deposits including NRI rupee deposits ( less than \u20b93 crore)<\/li>\n\n\n\n<li>Applicable To: New deposits and renewal of existing term deposits (TD\/STD only)<\/li>\n\n\n\n<li>Exclusions: RD, Tax Saving FD, Annuity deposits, MOD, Capital Gains scheme, etc.<\/li>\n\n\n\n<li>Interest Payment (Term Deposits): Monthly \/ Quarterly \/ Half-yearly<\/li>\n\n\n\n<li>Special Term Deposits: Paid on maturity<\/li>\n\n\n\n<li>Penalty: <strong>0.50%<\/strong> for deposits up to \u20b95 lakh and <strong>1% <\/strong>for deposits above \u20b95 lakh and below \u20b93 crore (all tenors)<\/li>\n\n\n\n<li>Other Conditions: No interest if withdrawn before 7 days, and no penalty waiver for general customers.\u00a0<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/elss-vs-ppf-vs-tax-saver-fixed-deposit-which-80c-tax-saving-option-delivers-the-highest-returns\/\" target=\"_blank\" rel=\"noreferrer noopener\">ELSS vs PPF vs Tax-Saver Fixed Deposit: Which 80C Tax-Saving Option Delivers the Highest Returns?<\/a><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-sbi-har-ghar-lakhpati\" style=\"font-size:18px\"><strong>4. SBI Har Ghar Lakhpati\u00a0<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Type: Recurring Deposit (RD) scheme<\/li>\n\n\n\n<li>Purpose: Build \u20b91 lakh or more through monthly savings<\/li>\n\n\n\n<li>Tenure: 3 to 10 years<\/li>\n\n\n\n<li>Eligible Customers: All resident individuals (including minors above 10 years with conditions)<\/li>\n\n\n\n<li>Deposit Structure: Pre-calculated monthly instalments based on target amount and tenure<\/li>\n\n\n\n<li>Flexibility: Partial instalment payments allowed<\/li>\n<\/ul>\n\n\n<div id=\"footable_parent_9585\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_1\" data-footable_id=\"9585\" data-filter-delay=\"1000\" aria-label=\"Mutual Fund - Sheet1 (95).csv\"            id=\"footable_9585\"\n           data-unique_identifier=\"ninja_table_unique_id_1020992727_9585\"\n           class=\" foo-table ninja_footable foo_table_9585 ninja_table_unique_id_1020992727_9585 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-sbi-green-rupee-term-deposit\" style=\"font-size:18px\"><strong>5. SBI Green Rupee Term Deposit\u00a0<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Type: Green fixed deposit (term deposit scheme)<\/li>\n\n\n\n<li>Purpose: Funds used exclusively for eligible green and sustainable projects<\/li>\n\n\n\n<li>Deposit Type: Term Deposit \/ Special Term Deposit<\/li>\n\n\n\n<li>Eligible Customers: Resident individuals, non-individuals, and NRIs (as per SBI rules)<\/li>\n\n\n\n<li>Minimum Deposit: \u20b91,000<\/li>\n\n\n\n<li>Maximum Deposit: No upper limit<\/li>\n\n\n\n<li>Tenure Options: 1111 days, 1777 days, 2222 days<\/li>\n\n\n\n<li>Eligible Products: Term Deposit and Special Term Deposit only (not applicable for RD, MOD, Tax Saving FD, etc.)\u00a0<\/li>\n<\/ul>\n\n\n<div id=\"footable_parent_9583\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_2\" data-footable_id=\"9583\" data-filter-delay=\"1000\" aria-label=\"Mutual Fund - Sheet1 (94).csv\"            id=\"footable_9583\"\n           data-unique_identifier=\"ninja_table_unique_id_1914360139_9583\"\n           class=\" foo-table ninja_footable foo_table_9583 ninja_table_unique_id_1914360139_9583 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                            <col class=\"ninja_column_3 \">\n                            <col class=\"ninja_column_4 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<p><strong>Note: <\/strong>Interest rates, eligibility, and scheme features are subject to revision by SBI from time to time. Please refer to official SBI sources for the latest updates.&nbsp;<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2187172372\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-final-takeaway\" style=\"font-size:22px\"><strong>Final takeaway<\/strong><\/h2>\n\n\n\n<p>Despite economic uncertainty, market swings, and unstable global events, investors keep searching for safe investments. With all that, SBI continues to stand out as one of the most trusted choices in India.&nbsp; With a wide range of deposit schemes like Regular Fixed Deposits, Tax Saving FDs, Special FDs like Amrit Vrishti, goal-based RD schemes like Har Ghar Lakhpati, and sustainable options like Green Rupee Term Deposits, SBI offers something for every type of investor.<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-847762444\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<p>SBI stands out with its competitive and stable interest rates, making it trustworthy for risk-averse investors, retirees, and long-term savers. It&#8217;s India\u2019s largest public sector bank, offering a straightforward, safe way to grow money steadily without worrying about market dips.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>&nbsp;Written By Ameet S<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: By 2026, despite market volatility and uncertainty, investors opt for safer choices. SBI stays a go-to bank with its secure fixed deposits and steady returns. This article covers key SBI deposit schemes that offers decent returns. Safe investing matters a lot to many Indian households, particularly those who prefer protecting capital over taking risks [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":9586,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[8,14],"tags":[],"ppma_author":[3332],"class_list":["post-9580","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate","category-trending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Best SBI Investment Schemes Offering Up to 7.05% Interest: Which One Should You Choose?<\/title>\n<meta name=\"description\" content=\"By 2026, despite market volatility and uncertainty, investors opt for safer choices. 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