SBI Bonds: A Complete Guide to Investment & Interest Rates
20 March 2025 · Sachin Gadekar
Discover SBI Bonds: Interest Rates, How to Buy, and Investment Benefits
Understanding SBI Bonds and Their Investment Potential
SBI (State Bank of India) bonds are a reliable fixed-income investment option, offering stable returns and safety. Investors looking for secure financial instruments often turn to SBI bonds for their credibility and attractive interest rates. In this guide, we’ll explore SBI bonds, their interest rates, types, and how to invest in them.
What Are SBI Bonds?
SBI bonds are debt instruments issued by the State Bank of India to raise capital. These bonds provide periodic interest payments to investors and return the principal amount at maturity. They cater to different investor profiles, including retail investors, senior citizens, and institutional buyers.
Types of SBI Bonds
SBI offers various bond options for investors. Here are some key types:
SBI Infrastructure Bonds – Issued to raise capital for infrastructure projects.
SBI Perpetual Bonds – No fixed maturity date, often providing higher interest rates.
SBI Corporate Bonds – Ideal for investors seeking stable returns from a reputed institution.
SBI Tax-Free Bonds – Offer tax exemptions on interest income under specific government schemes.
SBI Floating Rate Bonds – The interest rate varies based on prevailing market rates.
SBI Bonds Interest Rates 2025
| Bond Type | Interest Rate | Maturity Year | Price (₹) |
|---|---|---|---|
| SBI Perpetual Bonds | 8.25% | No Fixed Maturity | ₹1,000 |
| SBI Infrastructure Bonds | 7.75% | 2035 | ₹1,020 |
| SBI Tax-Free Bonds | 7.50% | 2030 | ₹980 |
How to Buy SBI Bonds?
Investors can purchase SBI bonds through multiple channels:
Stock Exchanges: Some SBI bonds are listed on the NSE and BSE for secondary market trading.
Banks & Financial Institutions: Bonds are available through SBI branches and associated financial institutions.
Online Bond Platforms: Platforms like TapBonds simplify the process of purchasing SBI bonds online.
Mutual Fund Schemes: Certain SBI mutual funds include corporate bonds in their portfolios.
SBI Bonds for Senior Citizens
SBI bonds are a great option for senior citizens seeking fixed returns. Special bond schemes, such as SBI Floating Rate Savings Bonds, offer additional interest rates and stable income post-retirement.
SBI Bonds vs. Fixed Deposits
| Feature | SBI Bonds | Fixed Deposits |
|---|---|---|
FAQs on SBI Bonds
1. What is the interest rate on SBI bonds?
SBI bond interest rates vary between 7.50% and 8.25%, depending on the type and maturity period.
2. How to buy SBI bonds online?
You can invest in SBI bonds through stock exchanges, banks, or bond platforms like TapBonds.
3. Are SBI bonds a safe investment?
Yes, SBI bonds are considered low-risk investments backed by a reputed financial institution.
4. Can senior citizens invest in SBI bonds?
Yes, SBI offers special bond schemes with higher interest rates for senior citizens.
5. Are SBI bonds better than fixed deposits?
SBI bonds often offer higher returns and better liquidity than fixed deposits, but they carry moderate market risks.
For the latest SBI bond prices and investment opportunities, visit TapBonds. 🚀