Introduction
Building a habit of regular savings has never been easier with the SBI Recurring Deposit (RD) scheme in 2025, a trusted option for disciplined investors seeking guaranteed returns. Whether you’re planning for a vacation, education, or retirement, the SBI RD scheme allows small monthly investments starting from just ₹100, earning competitive interest compounded quarterly. As of late December 2025, SBI RD interest rates range from around 6.50% to 7.00% p.a. for general citizens and up to 7.50% p.a. for seniors, matching term deposit rates. Use the handy SBI RD calculator to forecast maturity returns accurately. This low-risk product offers flexibility, loan facilities, and nomination options, making it ideal for salaried individuals, homemakers, and retirees aiming for steady wealth growth without market volatility.
Key Features of SBI RD Scheme 2025
Explore why the SBI Recurring Deposit stands out for reliable savings:
- Latest Interest Rates SBI aligns RD rates with fixed deposits: general public earns 6.50%–7.00% p.a., while senior citizens get an extra 0.50% premium, reaching up to 7.50% p.a. Rates vary by tenure (1–10 years) and are subject to periodic revisions.
- Monthly Investment Flexibility Start with ₹100 (no upper limit) and deposit in multiples of ₹10 or ₹100. Tenures range from 12 months to 120 months, customizable in 3-month increments for goal-aligned planning.
- SBI RD Calculator for Easy Planning. The free online SBI RD calculator estimates maturity amounts instantly. Input monthly deposit, tenure, and current rate to view total investment, interest earned, and final payout. Quarterly compounding boosts returns effectively.
- Maturity Returns and Payout Options. At maturity, receive the principal plus compounded interest. Choose reinvestment, transfer to savings, or cash. Example: ₹5,000 monthly for 5 years at 7.00% yields around ₹3.65 lakh total (₹3 lakh invested + ₹65,000 interest approx.).
- Additional Benefits
- Loan/overdraft up to 90% of the balance.
- Nomination facility.
- Penalty for missed installments; premature withdrawal allowed with a minor rate reduction.
- TDS applies if annual interest exceeds ₹40,000 (₹50,000 for seniors).
Open via branch, net banking, or the YONO app for a seamless experience.
Conclusion
The SBI RD scheme 2025 remains a cornerstone for risk-free, disciplined savings with attractive interest rates, flexible monthly investments, and precise tools like the RD calculator to track maturity returns. In an era of fluctuating markets, it delivers peace of mind and steady growth, especially for seniors benefiting from higher rates. Rates can change, so verify the latest on sbi.co.in before investing. Start small today—use the calculator to visualize your goals and watch consistent deposits compound into a substantial corpus over time.
FAQs
What are the latest SBI RD interest rates in December 2025?
Rates range from 6.50%–7.00% p.a. for general citizens and up to 7.50% p.a. for senior citizens, depending on tenure (same as applicable FD rates).
How does the SBI RD calculator work?
Enter monthly deposit amount, tenure, and interest rate—it computes total investment, interest earned, and maturity value using the quarterly compounding formula.
Can senior citizens get higher rates on SBI RD in 2025?
Yes, an additional 0.50% premium over general rates, often reaching 7.50% p.a.