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SBI Fixed Deposit Schemes
SBI Fixed Deposit Schemes
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SBI Fixed Deposit Schemes

SBI Fixed Deposit Schemes – State Bank of India (SBI) ke investment products

State Bank of India (SBI) aapko kayi tarah ke investment options offer karta hai. Issme se ek important product hai Fixed Deposit (FD) ya Term Deposit.

Bank aapko FD account kholne ka option deta hai, jiska time period 7 din se leke 10 saal tak ka ho sakta hai.

Public (General Public) ke liye FD Rates:

  • FD par jo interest milega, woh 3.50% saalana (p.a.) se lekar 7.00% saalana (p.a.) tak hai. Yeh time period pe depend karta hai.

Senior Citizens ke liye FD Rates:

  • Senior citizens (buzurg members) ko har tenure par 0.50% extra interest milta hai.

  • Matlab unko 4.00% saalana se lekar 7.50% saalana tak ka return mil sakta hai.

Note: Ye interest rates change ho sakte hain. FD karwane se pehle bank ki official website check karna.

SBI Fixed Deposits ke Prakar (Types)

SBI aapko niche diye gaye alag-alag types ki Fixed Deposits offer karta hai:

  1. SBI Term Deposit: Yeh sabse common aur simple FD hai. Aap ek fixed amount ek fixed time ke liye jama karte ho aur maturity par interest ke saath paisa wapis lete ho.

  2. SBI Tax Saving Scheme: Yeh FD aapko tax bachane mein madad karti hai. Is par Section 80C ke under tax benefit milta hai. Par dhyan rahe, iski ek lock-in period (fixed time) hoti hai jo 5 saal ki hai aur isme premature withdrawal (time se pehle paise nikalna) allowed nahi hai.

  3. SBI Reinvestment Plan: Is option mein, aapko har quarter (3 mahine) ya saal mein interest nahi milta. Balki aapka interest wapis se FD mein jama ho jaata hai aur compounding ki wajah se aapka maturity amount zyada hota hai.

  4. SBI Multi Option Deposit Scheme (MODS): Yeh ek bahot hi flexible FD hai. Yeh aapke Savings Account ko ek FD se link kar deti hai. Jab aapke savings account mein ek certain amount se zyada paisa hota hai, toh woh automatically FD mein transfer ho jata hai. Aur jab aapko paise chahiye hotey hain, toh aap FD ko break kiye bina, apne savings account se paisa nikal sakte hain.

SBI Fixed Deposit Schemes ke Fayde (Benefits)

SBI FD schemes ke khaas fayde yeh hain:

  • Nomination Facility: Aap apne FD ke liye kisi ko nominee bana sakte hain (jaise family member). Taaki future mein kisi bi sankat ki situation mein account handle karna aasan ho.

  • Choice of Tenure: Aap apni convenience ke hisaab se 7 din se leke 10 saal tak ke beech kisi bhi time period ke liye FD kara sakte hain.

  • Low Minimum Amount: SBI FD shuru karne ke liye bahot kam paise chahiye hotey hain. Aap sirf ₹1000 ki minimum deposit ke saath bhi nayi FD khol sakte hain.

  • Payout Options: Aap choose kar sakte hain ki aapko interest kaise chahiye:

    • Monthly (Har mahina)

    • Quarterly (Har 3 mahine baad)

    • Calendar Quarter (Financial year ke quarter ke hisaab se)

    • Ya phir maturity ke end mein ek saath (accumulated).

  • SBI Term Deposit Scheme ki Khaas Baatein

    • FD Rates Range: Aapko 3.5% saalana se lekar 7% saalana tak ka byaaj (interest) milta hai. Kitna milega, yeh FD ki time period par nirbhar karta hai.

    • Sabse Zyada FD Rate: Aaj kal, SBI ki sabse zyada FD rate 7.5% saalana tak hai.

    • Time Period Options: Aap apni FD 7 din se leke 10 saal tak kisi bhi time ke liye karwa sakte hain. Bahot hi flexible hai.

    • Kitna Paisa Chahiye: FD shuru karne ke liye sirf ₹1,000 ka minimum investment hai. Isse kam nahi hona chahiye.

    • Maximum Deposit Limit: Maximum deposit ki koi limit nahi hai. Aap jitna chahe utna zyada paisa FD mein laga sakte hain.

    • Senior Citizens ke Liye Extra Faida: Senior Citizens (buzurg log) ko 0.50% extra byaaj milta hai. Unki FD rates generally 4% se 7.5% saalana tak ho sakti hain.

    • Byaaj Kaise Milega: Aap choose kar sakte hain ki aapko byaaj ka payout kaise chahiye:

      • Monthly (Mahine ke)

      • Quarterly (Har 3 mahine baad)

      • Yearly (Saal ke akhir mein)

    • Zarurat Padne Pe Paise Nikaalna (Premature Withdrawal): Agar kahin zarurat pad jaye, toh aap apni FD maturity se pehle bhi break kar ke paise nikal sakte hain. Par ispar thoda penalty lag sakta hai.

    • FD par Loan ya Overdraft (OD): Aap apni FD ke upar bhi loan le sakte hain. Aap FD ki value ke 90% tak ka loan le sakte hain.

    • Overdraft (OD) Limit: Aap ₹25,000 se lekar ₹5 Crore tak ka overdraft limit le sakte hain.

    • Loan ki Interest Rate: FD pe mile waale byaaj ki rate se sirf 1% zyada hogi. Matlab agar aapki FD par 7% mil raha hai, toh loan ki rate 8% hogi.

    • TDS (Tax Ka Cut): Agar aapka total byaaj income ek certain limit se zyada hai, toh bank uspar TDS (Tax Deducted at Source) cut karega jaise ki income tax rules ke hisaab se hota hai.

    • Nomination Facility: Aap apni FD ke liye kisi ko nominee assign kar sakte hain (jaise wife, bacche, maa-baap). Yeh bahot important hai taaki future mein kisi dikkat ki situation na aaye.

    • Automatic Renewal: Aapki FD maturity hone par, agar aap chahein toh woh apne aap renew ho sakti hai. Isse aapka paisa idle nahi padta.

    • Payout Frequency Change Karna: Agar aapne monthly/quarterly payout choose kiya hai, phir bhi aap kabhi bhi decide kar sakte hain ki aapko saara byaaj maturity par ek saath (cumulative) lena hai.

  • SBI Tax Savings Scheme, 2006 ki Khaas Baatein (Section 80C ke under)

    • Kitna Nivesh Karna Hai: Aap ₹1,000 se lekar ₹1.50 lakh tak ka investment kar sakte hain.

    • Time Period (Tenure): Yeh FD 5 saal ya 10 saal ke liye hi hoti hai.

    • Byaaj Dar (Interest Rate):

      • General public ke liye: 6.50% saalana

      • Senior citizens ke liye: 7.50% saalana

    • Tax Benefit (Faida): Isme aapko Income Tax Act, Section 80C ke under tax bachane ka faida milta hai. Aap jo paisa lagate hain uspar deduction milta hai.

    • Kis Tarah ki FD Hai: Yeh do types ki aati hai –

      • Term Deposit (TD)

      • Special Term Deposit (STD)

    • Nomination: Aap nominee bana sakte hain.

    • SBI Staff ke Liye Faida: SBI ke employees aur pensioners ko generally applicable rate se 1% zyada byaaj milta hai.

    SBI Multi Option Deposit Scheme (MODS) ki Khaas Baatein

    • Kitne Time ke Liye: 1 saal se 5 saal tak.

    • Minimum Paisa: ₹10,000 se shuru kar sakte hain.

    • Maximum Paisa: Iski koi limit nahi hai, jitma chahe utna lagayein.

    • Sabse Bada Faida (Liquidity): Aap apne FD ke paise ko easily apne linked savings account mein transfer kar sakte hain bina FD todhe (break kiye). Bahot flexible hai.

    • TDS: Tax rules ke hisaab se TDS cut hoga.

    • Paisa Nikalna: Aap ₹1,000 ke multiples mein hi paisa nikal sakte hain.

    • Premature Withdrawal: Time se pehle bhi FD band kar sakte hain (penalty lag sakta hai).

    • Loan Facility: FD par loan bhi le sakte hain.

    • Nomination: Nominee facility available hai.

    SBI Reinvestment Plan ki Khaas Baatein

    • Byaaj Kab Milega: Aapko saara byaaj maturity date par hi milega, beech mein nahi.

    • Compounding Faida: Har baar jo byaaj banta hai, woh wapis principal amount (jama ki gayi rashi) mein add ho jata hai. Isse aapka maturity amount zyada hota hai.

    • Minimum Paisa: ₹1,000 se shuru kar sakte hain.

    • Maximum Paisa: Koi limit nahi.

    • Time Period: 6 months se 10 years tak ka choice hai.

    • Nomination: Nominee bana sakte hain.

    • Loan/Overdraft: FD par loan ya 90% tak ka overdraft le sakte hain.

    • Kaise Khol Sakte Hain: Aap FD account akela (singly) ya kisi ke saath milke (jointly) bhi khol sakte hain.

    • Premature Closure: Zarurat padne par pehle bhi band kar sakte hain.

    SBI FD Rates (₹3 Crore se Kam ke Liye)

    Tenure (Kitne Time ke Liye) General Public ke Liye Senior Citizens ke Liye
    7 days to 45 days 3.50% 4.00%
    46 days to 179 days 5.50% 6.00%
    180 days to 210 days 6.00% 6.50%
    211 days to less than 1 year 6.25% 6.75%
    1 year to less than 2 years 6.80% 7.30%
    2 years to less than 3 years 7.00% 7.50%
    3 years to less than 5 years 6.75% 7.25%
    5 years and up to 10 years 6.50% 7.50%*

    Note: Yeh rates 15 April 2025 se lagu hain. Bank bina bataye bhi inme change kar sakta hai.
    *5 years and up to 10 years ki senior citizen FD par 7.50% hai.

    SBI FD Ke Liye Eligibility (Kaun Khol Sakta Hai)

    • Bharat ke nagrik

    • HUF (Hindu Undivided Family), firms, companies, government departments, local bodies, etc.

    Documents Chahiye:

    • Pehchan Patra (Identity Proof): Aadhaar Card, PAN Card, Passport, Voter ID, Driving License, NREGA Card.

    • Address Proof: Aadhaar Card, Passport, Voter ID, etc.

    Premature Withdrawal (Time se Pehle FD Todna)

    Agar aap apni FD maturity date se pehle band karte hain, toh yeh rules lagengay:

    • ₹5 lakh tak ki FD ke liye: 0.50% ka penalty hoga.

    • ₹5 lakh se zyada ki FD ke liye: 1% ka penalty hoga.

    • Byaaj ka Calculation: Bank jo rate aapki FD ke time laga tha usse 0.50% ya 1% kam byaaj dega, ya phir us duration ke liye jo rate chalta tha usse kam, dono mein jo bhi kam ho.

    SBI FD Account Kaise Kholein

    Online Method (Ghar Baithe):

    1. SBI ke net banking portal par jayein.

    2. Apne login ID aur password se net banking account mein login karein.

    3. Home page par ‘Deposit Scheme’ aur phir ‘Term Deposit’ choose karein.

    4. ‘E-Fixed Deposit’ option par click karein.

    5. Apni pasand ki FD type choose karke ‘Proceed’ par click karein.

    6. Saari zaruri details bharein.

    7. ‘Submit’ button dabayein aur aapki FD account khul jayegi.

    Offline Method (Bank Jaake):

    Apne najdeeki SBI branch jaayein aur saane required documents le jaayein. Wahan ka bank staff aapki madad karke FD account kholne mein help karega.

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