Imagine parking your hard-earned money in a safe haven that delivers predictable, attractive returns just over a year shielded from market volatility. The State Bank of India, in today’s uncertain economy, retro-spreadposts Amrit Vrishti 444-day term fixed deposit schemes as the trusts in reliability and reward. Launched as a Special Retail Term Deposit, this limited-period offer continues to attract cautious investors seeking higher yields but not tied down for years to come.
Why Amrit Vrishti I unique?”?
The USP of The Amrit Vrishti venture is its tenor: precisely 444 days, read on to be 14-15 months, Unlike Amrit Kalash and earlier specials on the same lines, the scheme might never have an inoperative date, until end of fall 2025 at least.
This FD is for under ₹3 crore. It is one of the special term deposits that offer higher returns than the normal term deposit rates of SBI.
Of course, looking at SBI’s supporting role in the entire story underpinning Amrit Vrishti, the safety for your capital is absolutely taken care of. Further compounding quarterly at the same time improves the effective rate of the return on the FD.
Interest Rates As Of December 2025
Since the revised rates were in effect over June 15, 2025, the reactive measures were reconsidered under a regulatory framework to benefit replacement depositors from the same seniors competing for premium rates.
| Category | Interest Rate (p.a.) |
|---|---|
| General Public | 6.60% |
| Senior Citizens | 7.10% |
| Super Senior Citizens (80+ years) | 7.20% |
Main points of the scheme and eligibility
- The scheme starts from a meager deposit of merely ₹1,000 with no restriction on its retail addition.
- Pre-mature encashment is permissible subject to a nominal penalty such as 0.50% of the deposit balance for deposits below ₹5 lakh or 1% for the remaining(s).
- Loan facility up to 90% on deposit amount.
- Indians, Hindu Undivided Family, NRIs. Employees, retired officials, and pensioners cannot avail of combined benefits.
- The ability to nominate an investment enhances plenty while cutting appropriate hassles and paperwork.
Why Prefer It Right Away?
Amrit Varsha, post the RBI rate adjustments in a stable interest rate environment, offers SBI’s highest short-term deposit interest rates.
It is fitting for the purpose of providing for entertainment, emergencies, or as an intermediate stage toward longer-term investments.
