The State Bank of India (SBI) continues its popular Amrit Vrishti scheme in late 2025 with a 444-day fixed deposit. This special tenure offers competitive rates for short-to-medium-term investors seeking safe, guaranteed growth from India’s largest public sector bank.
Overview of the 444-Day FD
The Amrit Vrishti scheme features a fixed 444-day period, perfect for balancing liquidity and higher yields. Deposits remain insured up to ₹5 lakh by DICGC, providing complete capital protection for retail investors below ₹3 crore.
Latest Interest Rates as of December 2025
Following revisions effective December 15, 2025, general citizens earn 6.45% p.a.. Senior citizens receive an extra 0.50%, reaching 6.95% p.a., while super seniors (80+) get an additional 0.10%, totaling 7.05% p.a..
Key Features and Advantages
Minimum investment starts at ₹1,000 with no upper cap. Interest credits at maturity, with loan options up to 90% of the value. Premature withdrawal incurs a minor penalty, and auto-renewal ensures continuity.
Easy Application Process
Resident Indians, HUFs, and seniors qualify effortlessly. Open via YONO app, net banking, or branches with basic KYC. Seniors provide age proof for enhanced rates.
| Feature | Details |
|---|---|
| Tenure | 444 days |
| Interest Rate (General) | 6.45% p.a. |
| Interest Rate (Senior Citizens) | 6.95% p.a. |
| Interest Rate (Super Seniors 80+) | 7.05% p.a. |
| Minimum Deposit | ₹1,000 |
| Interest Payout | At maturity |
Secure Your Savings Today
The SBI 444-Day FD 2025 delivers predictable returns amid rate fluctuations. With SBI’s trusted reliability and preferential senior benefits, it suits conservative savers planning for goals or emergencies.
Invest in Amrit Vrishti now through sbi.co.in or your nearest branch before further updates.
Also read: 8th Pay Commission Pension Hike 2026: Minimum Pension May Rise to ₹25,000