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SBI FD Rate Maturity: Nowadays, many people invest in the stock market, but it involves risk. You could lose your money, or you could get a good return. Therefore, people still trust Fixed Deposits (FDs) because they offer a guaranteed fixed return. There's no question of losing your money here.

If you invest in a bank FD for a fixed period, the maturity amount is credited to your account when the term ends. In this article, we will tell you how you can earn an interest of Rs. 86,012 on an SBI FD in 2.5 years (SBI FD Rates). We will understand the calculation.

Banks keep changing the interest rates offered on FDs for different tenures. This change is made after the RBI's Monetary Policy Committee decides the repo rate. Today, February 6th, the Reserve Bank of India announced its decision on the repo rate. There was no change; the repo rate remains unchanged at 5.25%.

How to get Rs. 86,012 interest on an SBI FD in 2.5 years?
If you want to get a fixed return on your investment by making a fixed deposit, then there is probably no better investment than an FD. SBI offers different interest rates on FDs for different tenures. This interest rate is different for senior citizens and the general public.

SBI FD Rates | SBI FD Rates
Tenure    Interest Rates for General Public (as of 15/12/2025)    For Senior Citizens (as of 15/12/2025)
7 days to 45 days    3.05    3.55
46 days to 179 days    4.9    5.4
180 days to 210 days    5.65    6.15
211 days to less than 1 year    5.9    6.4
1 year to less than 2 years    6.25    6.75
2 years to less than 3 years    6.4    6.9
3 years to less than 5 years    6.3    6.8
5 years and up to 10 years    6.05    7.05*

If you want to earn Rs. 86012 from an SBI FD in 2.5 years, you will need to invest a capital of Rs. 500000. Currently, the interest rate on SBI FDs for a tenure of more than 2 years and less than 3 years is 6.4%. Based on this, your Rs. 5 lakh will become Rs. 586012 after 2.5 years.

What is the impact of no change in the Repo Rate on FD Rates?
No change in the repo rate means that the value of deposit rates will remain stable, as banks will not have any particular reason to adjust their interest payouts quickly. Most lenders had already factored in the changes from the previous policy, and maintaining the current situation means that FD yields will remain the same in the coming months. 

Adhil Shetty, CEO of BankBazaar.com, said, "Following the policy action that preceded the pause in the repo rate, the gradual decline in deposit returns will continue. High-yielding fixed deposits are becoming increasingly selective, and most mainstream offerings are falling within a narrow range. While the current liquidity situation is helping in deposit mobilization, a significant increase in FD rates is unlikely in a stable interest rate environment."

Disclaimer: This content has been sourced and edited from Dainik Jagran. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.