SBI Fixed Deposit Rs 2 Lakh Return Calculation In Bengali | SBI FD Investment Plan 2025 In Bengali

Описание: SBI Fixed Deposit Rs 2 Lakh Return Calculation In Bengali | SBI FD Investment Plan 2025 In Bengali

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If you're planning to secure your family’s future by investing in a Fixed Deposit (FD), this video is a must-watch! Today, we break down how much return you get from an FD of ₹2,00,000 in SBI if made in your wife's name and kept for 2 years. Fixed Deposits are one of the safest investment options in India, especially with trusted banks like the State Bank of India (SBI). But how much do you actually earn from it? Let's find out with a complete breakdown and real calculation.

🏦 SBI FD Scheme Details State Bank of India, India's largest public sector bank, is offering attractive FD interest rates ranging from 3.50% to 7.00% per annum depending on the tenure of your deposit. If you're looking to lock your money for a stable and guaranteed return, this might be the best option for you. Especially when investing between 2 years to less than 3 years, SBI offers a maximum interest rate of 7.00%, applicable to both men and women equally.

👩‍👧 Why Do People Make FD in Wife’s Name? In many Indian households, women are trusted with managing the household finances. This is not just a tradition but also a way to build financial security for your spouse. By making an FD in your wife’s name, families ensure financial empowerment and equal participation in money matters. Moreover, doing so can sometimes offer better planning in terms of joint holdings, tax planning, and more.

📊 Real FD Calculation – ₹2,00,000 at 7.00% for 2 Years Let’s get into the actual numbers using compound interest. Suppose you deposit ₹2,00,000 in SBI for a 2-year term at 7.00% interest. Using the compound interest formula:

👉 Final Amount = P × (1 + r)^t
👉 ₹2,00,000 × (1 + 0.07)^2
👉 = ₹2,00,000 × 1.1449
👉 ≈ ₹2,29,776

So, the maturity amount after 2 years would be ₹2,29,776. That means your investment earns ₹29,776 as interest — guaranteed and fixed.

This calculation assumes annual compounding, which is how most bank FDs are structured unless otherwise specified. The best part? You don’t have to worry about market fluctuations or losses. Your return is fixed and secure.

👵 Special Benefit for Senior Citizens Are you above 60 years old? Then you’re in luck! SBI offers an additional 0.50% interest for senior citizens. So instead of 7.00%, you would earn 7.50% per annum, leading to an even better maturity amount. This makes FD an even more attractive option for retirees and elderly investors looking for fixed income.

📌 Summary and Key Takeaways ➡️ Investment Amount: ₹2,00,000
➡️ Tenure: 2 Years
➡️ Interest Rate: 7.00% p.a.
➡️ Maturity Amount: ₹2,29,776
➡️ Interest Earned: ₹29,776

This FD investment option is safe, stable, and perfect for conservative investors. Whether you're planning for your spouse’s financial safety, looking for assured returns, or simply don’t want to take risks in the stock market — this is an ideal financial product for you.

💡 Why Choose SBI FD? ✔ Trusted public sector bank
✔ Attractive interest rates
✔ Fixed and guaranteed return
✔ Options for senior citizens
✔ Ideal for medium-term savings

SBI offers flexibility in tenure and compounding options, which can be tailored to your specific financial goals. It's also easy to open an FD online via net banking or by visiting your nearest branch.

💬 Final Words This video explained in detail how much return you can expect from a ₹2,00,000 FD in SBI under your wife’s name for 2 years. It’s a great option if you’re looking for capital preservation with fixed income. The returns are predictable, and the process is simple. So if you're planning to start an FD, now is the time!

Watch the full video to understand the calculation, learn how to open an FD account in your wife's name, and decide if this investment suits your financial plan. Don’t forget to like, share, and subscribe for more such informative videos about money, savings, and smart investments!

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