Special FD Schemes 2025: Indian Bank, IDBI, and SBI Offer Higher Interest Rates Till September

With several public sector banks rolling out special fixed deposit (FD) schemes, investors now have a chance to lock in higher returns with minimal risk. These limited-period offers from Indian Bank, IDBI Bank, and the State Bank of India (SBI) are available until September 2025, making it a favourable time for those looking to grow their savings safely.

Two Special FD Schemes By Indian Bank

Indian Bank has launched IND SECURE and IND GREEN schemes.

• IND SECURE (444 days): 6.70% (general), 7.20% (senior citizens), and 7.45% (super senior citizens).
• IND GREEN (555 days): 6.60% (general), 7.10% (senior citizens), and 7.35% (super senior citizens).

Both schemes are open for investment until September 30, 2025.

IDBI Utsav Callable FD Scheme

IDBI Bank’s Utsav Callable FD comes with three options — 444, 555, and 700 days.

• Interest rates for general customers: 6.60%–6.75%
• For senior citizens: 7.10%–7.25%
• For super senior citizens: up to 7.40%

This scheme is also available till September 30, 2025.

Amrit Vrishti FD Scheme By SBI

The State Bank of India has introduced the Amrit Vrishti FD scheme with a tenure of 444 days.

• General customers earn 6.60%
• Senior citizens earn 7.10%
• Super senior citizens earn 7.20%

Though SBI has not announced the closing date, the offer is expected to be available for a limited period.

Why These FD Schemes Are Attractive

These schemes are designed to provide higher-than-regular FD returns while ensuring safety of capital. They are especially beneficial for senior and super senior citizens, who enjoy enhanced rates.

What Investors Should Keep in Mind

Financial experts recommend comparing schemes, considering liquidity needs, and aligning tenures with financial goals before making a decision. With most schemes closing by September 30, 2025, acting early ensures better opportunities.