FD Schemes 2025: SBI Patrons, PNB 303-day, BoB Liquid, & more; what will be your maturity on 1 lakh investment in each?

A fixed deposit (FD) is a non-market-linked investment where you deposit a fixed amount with a bank for a set tenure at a predetermined interest rate.

Shrishti Bisht | Feb 07, 2025, 09:19 AM IST

Fixed deposit rates 2025: Leading banks, including State Bank of India, Punjab National Bank, Bank of Baroda and IDBI Bank, have launched new fixed deposit schemes in January 2025. These schemes offer higher interest rates, increased flexibility and tailored options for different customer segments. As competition for deposits rises, banks are enhancing their FD products to provide better returns to investors.

Here’s a look at maturity amount you can earn on Rs 1 lakh investment in these fixed deposit schemes introduced by banks in 2025:

 

Image: Pixabay, Freepik

 
(Disclaimer: Our calculations are projections and not investment advice. Do your due diligence or consult an expert for financial planning)

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What is FD?

What is FD?

 

A fixed deposit (FD) is a non-market-linked investment where you deposit a fixed amount with a bank for a set tenure at a predetermined interest rate. It offers guaranteed returns and is ideal for investors with a low-risk appetite.

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SBI Patrons FD

SBI Patrons FD

SBI Patrons FD is a special fixed deposit scheme exclusively for super senior citizens aged 80 years and above. It offers an additional 0.10 per cent interest rate over the standard senior citizen rate, benefiting both new and existing investors. Currently, the scheme offers the highest interest rate of 7.6 per cent on a tenure of 2-3 years for super senior citizens. The scheme requires a minimum deposit of Rs 1,000, with a maximum deposit limit of Rs 3 crore.  

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Punjab National Bank 303-day FD

Punjab National Bank 303-day FD

Punjab National Bank (PNB) has introduced two new fixed deposit tenures. The first is a 303-day FD, offering an interest rate of 7 per cent for general citizens. These FDs came into effect on January 1.  

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Punjab National Bank 506-day FD

Punjab National Bank 506-day FD

PNB’s second FD offers a 506-day tenure at an interest rate of 6.7 per cent for general citizens.  

 

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IDBI Bank FD for super senior citizens

IDBI Bank FD for super senior citizens

IDBI Bank has launched the IDBI Chiranjeevi-Super Senior Citizen FD as part of its limited-period Utsav FD scheme. The scheme is designed to meet the financial needs of individuals aged 80 years and above. The highest interest rate offered under this scheme is 8.05 per cent for a tenure of 555 days.  

Additional options include:  
- 7.90 per cent for 375 days  
- 8 per cent for 444 days  
- 7.85 per cent for 700 days  

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Bank of Baroda Liquid Fixed Deposit Scheme

Bank of Baroda Liquid Fixed Deposit Scheme

Bank of Baroda (BoB) has introduced the Liquid Fixed Deposit scheme for retail investors. BoB offers interest rates between 4.25 per cent and 7.15 per cent on regular fixed deposits for general citizens. The highest interest rate offered is 7.30 per cent on the BoB Utsav Deposit Scheme (400 days). Senior citizens receive an additional 0.50 per cent interest for deposits below Rs 3 crore.  

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How much you can get on Rs 1 lakh maturity in SBI's Patron?

How much you can get on Rs 1 lakh maturity in SBI's Patron?

In SBI's Patron, you can earn an estimated:
Maturity value: Rs 1,25,340.15 in 3 years  
Interest earned: Rs 25,340.15

 

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How much you can earn on Rs 1 lakh maturity in PNB's 303 and 506-day FD?

How much you can earn on Rs 1 lakh maturity in PNB's 303 and 506-day FD?

For a 303-day FD:  

Estimated maturity value: Rs 1,05,929.86  
Estimated interest earned: Rs 5,929.86  

For a 506-day FD:  

Estimated maturity value: Rs 1,09,648.86  
Estimated interest earned: Rs 9,648.86  

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How much you can get on Rs 1 lakh maturity in IDBI Chiranjeevi FD?

How much you can get on Rs 1 lakh maturity in IDBI Chiranjeevi FD?

For 555 days at an 8.5 per cent interest rate:  

Estimated maturity value: Rs 1,13,643.08  
Estimated interest earned: Rs 13,643.08  

For 444 days at an 8 per cent interest rate:
  
Estimated maturity value: Rs 1,10,114.96  
Estimated interest earned: Rs 10,114.96  

For 700 days at a 7.85 per cent interest rate:  

Maturity value: Rs 1,16,077.72  
Interest earned: Rs 16,077.72  

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How much you can get on Rs 1 lakh maturity in Bank of Baroda FD?

How much you can get on Rs 1 lakh maturity in Bank of Baroda FD?

For 400 days at a 7.30 per cent interest rate:  

Estimated maturity value: Rs 1,08,250.60  
Estimated interest earned: Rs 8,250.60

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