Think about it, you can invest your money in a risk-free place where it will grow slowly but surely, unlike the stock market that goes up and down. In the present scenario of erratic economies, the State Bank of India’s limited-offer Amrit Vrishti 444-day Fixed Deposit scheme, risk-free investment with reliable returns in just over a year’s time, comes out as a lighthouse for investors who want.
What is the Amrit Vrishti Scheme?
SBI’s Amrit Vrishti is a time-restricted special term deposit for the retail clientele market that will end the customers’ wait for 444 days. So, about a year and 2 months. The scheme is distinguished from the others by the higher interest rates offered than those of standard FDs for the same maturity periods.
Initially launched for 2024 and later revised, it is still available in December 2025. The depositor can withdraw up to ₹3 crores.
Latest Interest Rates as of December 15, 2025
SBI altered the rates once again starting December 15, 2025, which is a reflection of market adjustments. The current rates now set it up as a competition among public sector banks.
| Category | Interest Rate (p.a.) |
|---|---|
| General Public | 6.45% |
| Senior Citizens | 6.95% |
| Super Senior Citizens (80+ years) | 7.05% |
These rates are applicable for new deposits as well as renewals under the Amrit Vrishti scheme. Interest is compounded quarterly, which means the overall yield is higher.
Key Eligibility and Features
This scheme is open to all resident individuals, HUFs, and NRIs. The minimum amount to be invested is only ₹1,000, and there is no maximum limit for most of the cases.
Early withdrawal is allowed but a penalty of 0.50% to 1% will be imposed depending on the amount of the deposit and the period it has been served. Loans against the FD are available up to 90% of the value.
Interest can either be paid quarterly or at the time of maturity. Taxation is applicable as per income slabs, and TDS is levied if the interest paid to the depositor exceeds ₹40,000 (₹50,000 for seniors) in a financial year.
Sample Maturity Returns
In case you invest ₹1 lakh (interest compounded quarterly, roughly speaking):
- General: Maturity is around ₹1,08,100 (interest ~₹8,100)
- Senior: Maturity is around ₹1,08,600 (interest ~₹8,600)
- Super Senior: Maturity is around ₹1,08,700 (interest ~₹8,700)
The actual amounts are slightly different according to the specific methods of calculation.
Why Choose Amrit Vrishti Now?
This FD backed by India’s largest bank, guarantees safety of capital through DICGC insurance coverage up to ₹5 lakh. It offers a surpassing income in uncertain times for purposes such as holidays, emergencies, or even retirement funding.
The 444-day lock-in offers a perfect mix of liquidity and returns as compared to the longer maturity periods. The seniors get the most significant benefit from the additional premiums.
