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SBI vs Post Office FD: Best Interest Rates for the Middle-Class in 2025

SBI vs Post Office FD
SBI vs Post Office FD: In this world of the stock market or mutual funds, FD is still the safest and best investment option for many people. The continuous decline in the stock market has caused concern for investors which in turn is turning investors’ preference towards bank FDs. Government and private banks along with the post office are offering lucrative interest on Fixed Deposits.

Let’s find out which offers better returns on fixed deposits – the State Bank of India (SBI) or the post office. In this article at Breaking Buddy, you will get all the details that everyone should know. 

State Bank of India is the largest government bank in the country. SBI offers interest rates ranging from 3.50% to 7.25% on fixed deposits to its customers. The interest rates for different tenures of FDs are specified below : 

 

Similar to banks, the post office also allows customers to open FD accounts which are also known as Time deposits, which can be opened for a minimum of 1 year and max 5 years.

 

Interests offered by the post office are as follows. 

 

However, the post office does not offer any additional interest for senior citizens.

 

SBI vs Post Office FD – let’s see what is best for the middle class.

For middle-class investors, both the options of SBI and the post office have their advantages.

SBI offers loan options and 0.50%  extra interest for seniors providing good liquidity. On the other hand Post office FD provides higher interest rates for 5-year terms at 7.5% along with government-backed security making it a long-term investment. So customers can choose accordingly as per their preference.

Also, SBI provides an extra 0.50% interest to people above 60 years of age on all FD schemes.

Disclaimer – Breaking Buddy is not responsible for any financial investments made, as it is entirely the user’s responsibility. Please consult a financial advisor for better results.

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