SBI HAR GHAR Lakhpati Yojna 2025 – Save ₹1,391 Per Month & Get ₹1 Lakh in 5 Years
Table of Contents
- Introduction
- What is the SBI Lakhpati Scheme?
- Key Features of SBI Lakhpati Scheme
- How Does the SBI Lakhpati Scheme Work?
- SBI RD Interest Rate 2025 & Returns
- Eligibility Criteria
- How to Apply for SBI Lakhpati Scheme?
- Benefits of SBI Lakhpati Scheme
- Who Should Invest in SBI हर घर लखपति योजना?
- Why is SBI Lakhpati Scheme the Best Savings Scheme in India 2025?
- Conclusion
- FAQs – SBI हर घर लखपति योजना (SBI Lakhpati Scheme 2025)
Introduction
If you’re looking for a secure and high-return savings plan, the SBI Lakhpati Scheme (SBI हर घर लखपति योजना) is a great investment option. With a fixed monthly deposit of ₹1,391, you can save ₹1 lakh in 5 years through SBI Recurring Deposit Scheme. Backed by State Bank of India, this plan is one of the best SBI investment plans in 2025.
What is the SBI Lakhpati Scheme?
The SBI हर घर लखपति योजना is a structured recurring deposit (RD) scheme, allowing individuals to deposit small amounts monthly and accumulate ₹1 lakh in 5 years. It offers guaranteed returns with zero market risk, making it the best savings scheme in India 2025.
Key Features of SBI Lakhpati Scheme
- Affordable Investment – Start with ₹1,391 per month
- Guaranteed Maturity Amount – Get ₹1 lakh after 5 years
- Flexible Tenure – Choose between 3 to 10 years
- Higher Interest Rates – Earn up to 7.25% interest (for senior citizens)
- 100% Safe & Secure – Backed by SBI Recurring Deposit Scheme
How Does the SBI Lakhpati Scheme Work?
The scheme operates on a recurring deposit (RD) model, where your monthly savings grow with compound interest.
💰 Example Calculation (Based on SBI RD Interest Rate 2025 of 6.75%)
- Monthly Deposit: ₹1,391
- Interest Rate: 6.75%
- Maturity Amount after 5 Years: ₹1,00,000
SBI RD Interest Rate 2025 & Returns
| Investor Type | Interest Rate | Total Amount in 5 Years |
|---|---|---|
| General Public | 6.75% | ₹1,00,000 |
| Senior Citizens | 7.25% | ₹1,03,500 |
Eligibility Criteria
To apply for the SBI हर घर लखपति योजना, you must:
- Be an Indian citizen
- Have an SBI savings account
- Be at least 18 years old
How to Apply for SBI Lakhpati Scheme?
Online Application Process
- Log in to SBI Net Banking or YONO App
- Go to Recurring Deposit (RD) Section
- Select tenure as 5 years
- Enter ₹1,391 as the monthly deposit
- Confirm and submit your request
Offline Application Process
- Visit your nearest SBI branch
- Fill out the Recurring Deposit Form
- Provide KYC documents (Aadhaar, PAN, etc.)
- Deposit the first installment and set up auto-debit
Benefits of SBI Lakhpati Scheme
- Safe Investment with Guaranteed Returns
- Higher Interest than Savings Accounts
- Best SBI Investment Plan for Secure Savings
- Senior Citizen Benefits – Extra Interest
- Zero Market Risk Compared to Stocks & Mutual Funds
Who Should Invest in SBI हर घर लखपति योजना?
- Salaried employees looking for fixed monthly savings
- Senior citizens wanting a safe investment option
- Students & homemakers planning for future savings
- Self-employed individuals aiming to build wealth steadily
Why is SBI Lakhpati Scheme the Best Savings Scheme in India 2025?
The SBI Recurring Deposit Scheme is one of the best SBI investment plans because:
- Fixed interest rates (6.75% – 7.25%) ensure consistent growth
- Zero risk investment, unlike mutual funds or stock market
- Flexibility to choose tenure from 3 to 10 years
Conclusion
The SBI Lakhpati Scheme 2025 (SBI हर घर लखपति योजना) is an excellent way to save ₹1 lakh in 5 years with a small monthly investment of ₹1,391. Whether you are a salaried professional, student, or retiree, this SBI Recurring Deposit Scheme offers higher interest rates, flexible tenure, and guaranteed returns.
💡 Start investing today and secure your future with SBI!
FAQs – SBI हर घर लखपति योजना (SBI Lakhpati Scheme 2025)
Here are some frequently asked questions about the SBI हर घर लखपति योजना, also known as the SBI Lakhpati Scheme:
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What is the SBI हर घर लखपति योजना?
SBI हर घर लखपति योजना is a recurring deposit (RD) scheme where investors can save ₹1,391 per month and get ₹1 lakh after 5 years with a fixed interest rate of 6.75%.
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Who is eligible for this scheme?
Anyone who is:
- An Indian citizen
- 18 years or older
- Has an SBI savings account
- Can deposit a fixed amount every month
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What is the interest rate for SBI Lakhpati Scheme in 2025?
The SBI RD Interest Rate 2025 is 6.75% for general investors and 7.25% for senior citizens.
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How can I apply for SBI हर घर लखपति योजना?
You can apply online via SBI Net Banking/YONO App or offline by visiting your nearest SBI branch and filling out an RD application form.
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What happens if I miss a monthly deposit?
If you miss an installment, SBI may charge a small penalty, and the maturity amount may be slightly reduced.
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Can I withdraw my money before 5 years?
Yes, premature withdrawal is allowed, but a penalty may apply, and you may receive a lower interest rate.
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Is there any tax benefit under this scheme?
No, SBI Recurring Deposit does not offer tax benefits under Section 80C of the Income Tax Act. However, interest earned is taxable under income tax laws.
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Can I invest more than ₹1,391 per month?
Yes, you can increase your monthly deposit, but the maturity amount will also increase accordingly.
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Is SBI Lakhpati Scheme better than Fixed Deposits?
SBI RD is more flexible than FDs, allowing monthly investments instead of a lump sum. However, FDs may offer slightly higher interest rates for long tenures.
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How safe is the SBI हर घर लखपति योजना?
Since SBI is a government-backed bank, this scheme is 100% secure with guaranteed returns.
If you’re looking for a safe and disciplined savings plan, SBI हर घर लखपति योजना is one of the best SBI investment plans to secure your future.
