SBI RD Yojana 2025: Invest ₹60,000 and Get Attractive Returns एसबीआई आरडी योजना 2025: एसबीआई आरडी योजना के तहत ₹60,000 जमा करके पाएं इतना रिटर्न, जाने पूरी खबर
SBI RD Yojana 2025: The State Bank of India (SBI) has introduced the Recurring Deposit (RD) Yojana 2025, a secure and disciplined investment option for those looking to save regularly and earn attractive returns. Under this scheme, you can deposit a fixed amount every month and receive a lump sum amount at maturity with added interest.
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जाने इस आर्टिकल में क्या क्या है
1. Key Features of SBI RD Yojana 2025:
- Monthly Deposit Amount: ₹[Insert Amount] (For example: ₹5,000 per month)
- Total Investment: ₹60,000 (For a 12-month period at ₹5,000 per month)
- Interest Rate: [Insert Current Interest Rate, e.g., 6.5% per annum]
- Maturity Period: 12 months to 10 years (You can choose the tenure according to your financial goals)
- Maturity Amount: ₹[Insert Maturity Amount] (Varies based on tenure and interest rate)
- Interest Compounding: Quarterly Compounded Interest
- Tax Benefits: Interest earned is taxable; however, RD investments are subject to Tax Deducted at Source (TDS) if interest income exceeds ₹40,000 in a financial year.
2. Benefits of SBI RD Yojana 2025:
- Guaranteed Returns: Your savings are secure with SBI, and the returns are guaranteed based on the fixed interest rate applicable at the time of opening the RD account.
- Flexible Tenure: Choose a tenure that suits your financial plan, ranging from 12 months to 10 years.
- Low Initial Investment: Start with a small monthly deposit and grow your savings systematically.
- Premature Withdrawal: You can withdraw your RD amount before maturity, subject to a penalty as per SBI rules.
- Loan Facility: Avail a loan against your RD up to 90% of the deposit value.
3. How to Calculate Returns:
For example, if you invest ₹60,000 over 12 months with an interest rate of 6.5% per annum:
- Monthly Deposit: ₹5,000
- Total Investment: ₹60,000
- Interest Earned: ₹[Calculate Interest Earned Based on the Interest Rate and Tenure]
- Maturity Amount: ₹[Insert Maturity Amount]
(Note: The exact maturity amount depends on the interest rate and the compounding frequency. Use SBI’s online RD calculator for precise calculations.)
4. How to Open an SBI RD Account:
- Visit Your Nearest SBI Branch: Carry your KYC documents (Aadhaar, PAN, etc.) and passport-sized photographs.
- Online Through SBI YONO App: Log in to the SBI YONO app, navigate to ‘Deposits,’ and select ‘Recurring Deposit’ to open an RD account.
- Fill Out the Application Form: Provide details such as the monthly deposit amount, tenure, and nominee information.
- Deposit Amount: Set up an auto-debit instruction from your SBI savings account for monthly deposits.
5. Important Links:
- SBI RD Calculator: SBI RD Calculator
- Apply Online: SBI YONO App or Online Portal
- Detailed Brochure: Link to PDF or Webpage
6. Terms and Conditions:
- The interest rate is subject to change as per SBI’s discretion.
- Premature closure or withdrawal of RD will attract a penalty as per SBI’s rules.
- TDS will be applicable if the interest income exceeds ₹40,000 in a financial year.
7. Contact Information:
For more details or assistance, contact your nearest SBI branch or reach out through:
- Customer Care: 1800 11 2211
- Email:
- Website: SBI Official Website Link
