State Bank of India has introduced a limited-period 400-day special fixed deposit scheme that is attracting strong interest from conservative investors. Offering an interest rate of up to 7.10 percent, the scheme is designed for those looking for stable and predictable returns amid uncertain market conditions. With SBI’s trusted backing and a short-to-medium tenure, this FD plan is being viewed as a safe investment option in 2025.
What Makes the 400-Day FD Special
Unlike regular fixed deposits with standard tenures, the 400-day plan is crafted to lock in higher interest for a fixed duration. The scheme allows investors to benefit from an elevated rate without committing funds for several years. This makes it suitable for individuals who want better returns than savings accounts while maintaining liquidity in the medium term.
Interest Rate and Returns Explained
Under this special FD scheme, investors can earn up to 7.10 percent interest, depending on eligibility. On an investment of ₹2 lakh, the interest earned over 400 days provides a meaningful return compared to traditional short-term deposits. The interest is calculated based on the fixed tenure, offering predictability and peace of mind to investors who prefer low-risk instruments.
Who Should Consider This FD
The 400-day FD is ideal for retirees, salaried individuals, and risk-averse investors seeking guaranteed returns. It also suits those with surplus funds who want to park their money safely without exposure to market volatility. Senior citizens may receive additional benefits, making the scheme even more attractive for long-term income planning.
Investment Process and Accessibility
Opening the 400-day special FD is straightforward and can be done through SBI branches as well as digital banking platforms. Existing customers can use online banking or mobile apps to invest seamlessly, while new customers may complete the process with basic documentation. The simplicity of access adds to the scheme’s popularity.
Premature Withdrawal and Flexibility
As with most fixed deposits, premature withdrawal is allowed, subject to applicable penalties. This provides some flexibility for investors who may need funds before maturity, though holding the deposit until the end of the 400-day period ensures full interest benefits.
Why This Scheme Matters in 2025
With fluctuating interest rates and market uncertainty, fixed deposits offering competitive returns are gaining renewed attention. SBI’s 400-day special FD stands out as it combines a trusted public sector bank, a relatively short tenure, and an attractive interest rate. For many investors, it strikes the right balance between safety, returns, and flexibility.
Final Thoughts
The SBI 400-day special FD plan offers a compelling opportunity for those seeking assured returns on their savings. With a 7.10 percent interest rate and a manageable investment period, it provides stability and confidence at a time when many investors prefer caution over risk. For individuals looking to grow ₹2 lakh safely, this scheme remains a strong option.