The State Bank of India (SBI) is enhancing its Amrit Vrishti scheme with a special 444-day fixed deposit option available through late 2025. This enticing tenure presents a remarkable opportunity for short-to-medium-term investors seeking safe and guaranteed growth, leveraging the trustworthiness of India’s largest public sector bank.
Overview of the 444-Day FD
This fixed deposit under the Amrit Vrishti scheme offers a 444-day investment period, ideal for those looking to balance liquidity with competitive returns. Furthermore, the deposits are insured by the DICGC up to ₹5 lakh, ensuring complete capital protection for retail investors with amounts less than ₹3 crore.
Latest Interest Rates as of December 2025
As of December 15, 2025, the revised interest rates for this deposit allow general citizens to earn a solid 6.45% p.a.. For senior citizens, the rate increases by an additional 0.50%, totaling 6.95% p.a.. Super seniors aged 80 and above enjoy an even higher interest rate, amounting to 7.05% p.a..
Key Features and Advantages
Some of the outstanding features of this scheme include:
- Minimum investment starts at ₹1,000, with no upper limit.
- Interest is credited at maturity, enhancing liquidity.
- Loan options are available for up to 90% of the FD value.
- Minor penalties apply for premature withdrawals, ensuring flexibility.
- Auto-renewal options are available to maintain continuity.
Easy Application Process
The application for this FD is straightforward. It is open to resident Indians, HUFs, and seniors. You can apply via the YONO app, through net banking, or by visiting SBI branches with basic KYC documentation. Seniors must provide age verification to qualify for enhanced rates.
Secure Your Savings Today
The SBI 444-Day FD 2025 stands out for offering predictable returns, especially invaluable amidst fluctuating interest rates. With SBI’s reputation for reliability and special benefits for seniors, this fixed deposit is well-suited for conservative investors planning for future goals or financial emergencies.
Invest in Amrit Vrishti now through sbi.co.in or visit your nearest branch to secure your savings before the next updates.
Frequently Asked Questions
What is the interest rate for the SBI Amrit Vrishti FD 2025?
The interest rate for the SBI Amrit Vrishti FD 2025 is 6.45% p.a. for general citizens, 6.95% p.a. for senior citizens, and 7.05% p.a. for super seniors aged 80 and above.
How long is the tenure for the SBI 444-Day FD?
The tenure for the SBI 444-Day FD is fixed at 444 days, providing balanced yields for short-to-medium-term investors.
What is the minimum deposit amount for this fixed deposit?
The minimum investment required to open the SBI Amrit Vrishti FD is ₹1,000, with no maximum limit on the amount you can invest.
Can I withdraw funds from the SBI fixed deposit before the maturity date?
Yes, premature withdrawals are permitted, although they may incur a minor penalty depending on the bank’s policies.
How can I apply for the SBI Amrit Vrishti FD?
You can apply for the SBI Amrit Vrishti FD via the YONO app, online banking, or by visiting an SBI branch with the necessary KYC documents.
