The SBI 444-Day FD Scheme 2025, popularly called Amrit Vrishti, has quickly become one of the most preferred fixed-income options for Indian savers looking for stability in a year of moderate inflation and fluctuating market returns.
Launched in April 2025 and extended further due to strong demand, this special FD offers a unique 444-day tenure—roughly 15 months—along with higher-than-standard SBI FD interest rates, especially attractive for senior and super senior citizens.
In a year when inflation hovered around 4–5% and RBI maintained a stable policy stance after the June rate cuts, this FD has emerged as a safe, predictable, and government-backed savings avenue for both short-term and medium-term goals.
What Is the SBI Amrit Vrishti FD Scheme?
The Amrit Vrishti FD is a limited-period retail term deposit designed for deposits below ₹3 crore.
It automatically applies when a customer selects 444 days as the tenure while opening a fixed deposit online or at a branch.
SBI compounds interest quarterly, enhancing maturity value compared to monthly or simple interest options.
The scheme suits those who want better returns without locking money for long durations like 3–5 years.
It is accessible through SBI’s 22,000+ branches, YONO app, and Internet Banking, making it convenient for both urban and rural customers.
SBI 444-Day FD Interest Rates (Updated November 2025)
After the June 15, 2025 interest rate revision, SBI set the following returns for the 444-day FD:
- Regular citizens: 6.60% p.a.
- Senior citizens (60+): 7.10% p.a.
- Super seniors (80+): 7.20% p.a.
These are slightly lower than the May 2025 highs of 6.85–7.45%, but still higher than most regular SBI FDs and better than many private bank offerings for similar tenures.
No further rate changes have been announced for Q4 2025, giving investors a chance to lock in rates before the next RBI policy cycle.
How Interest Is Calculated: Example & Payout Options
Interest is calculated daily and compounded quarterly.
For example, a ₹1,00,000 deposit at 6.60% grows to approximately:
- ₹1,08,289 at maturity (444 days)
Investors can choose between:
- Cumulative FD – interest paid at maturity
- Non-cumulative FD – monthly, quarterly, or half-yearly payouts
The second option is ideal for retirees or those needing a predictable income stream.
SBI’s YONO FD calculator helps customers check their personalized maturity values instantly.
Who Can Invest? Eligibility & Documents
The Amrit Vrishti scheme is open to:
- Resident Indians (18+)
- NRIs (via NRE/NRO accounts)
- Minors (through guardians)
- Senior and super senior citizens (auto-eligible for extra rates)
Minimum investment: ₹1,000
Maximum: Below ₹3 crore
Documents required:
- Aadhaar
- PAN
- Form 60 (if PAN unavailable)
Opening the FD online takes less than 10 minutes, with an instant digital receipt generated on completion.
Key Benefits of SBI 444-Day FD Scheme
This FD combines security with flexibility, offering:
- Higher interest rates than regular SBI FDs
- Auto-renewal at prevailing rates
- Nomination facility for smooth inheritance
- Joint account options
- Quarterly compounding for better returns
- Government-backed safety through DICGC insurance up to ₹5 lakh
It is particularly popular among salaried individuals who receive bonuses, senior citizens seeking safe income, and families building emergency reserves.
Liquidity & Premature Withdrawal Rules
The FD can be closed prematurely after 7 days, subject to:
- 1% penalty on applicable interest
Those who need funds urgently can avoid breaking the FD by using:
- Loan against FD up to 90% of the principal
- Interest rate: 1–2% above the FD rate
This makes it a convenient liquidity tool during emergencies without sacrificing long-term returns.
Taxation Rules & Maturity Process
Interest earned is added to the depositor’s taxable income.
TDS is deducted at:
- 10% if interest exceeds ₹40,000/year
- ₹50,000 for senior citizens
To avoid TDS (if eligible), investors may submit Form 15G/15H.
On maturity at 444 days, the entire amount is automatically credited to the linked SBI savings account, with an option to reinvest or renew.
SBI 444-Day FD Scheme 2025: Overview Table
| Feature | Details |
|---|---|
| Scheme Name | Amrit Vrishti (444 Days) |
| Tenure | 444 Days (≈ 15 Months) |
| General Interest Rate | 6.60% p.a. |
| Senior Citizen Rate | 7.10% p.a. |
| Super Senior Rate | 7.20% p.a. |
| Minimum Deposit | ₹1,000 |
| Maximum Deposit | Below ₹3 Crore |
| Premature Penalty | 1% (after 7 days) |
| Loan Against FD | Up to 90% |
| Compounding | Quarterly |
| Insurance Cover | ₹5 Lakh (DICGC) |
| Availability | April 15, 2025 onwar |
Why You Should Consider the SBI 444-Day FD in 2025
With its balanced tenure, attractive interest rates, and SBI’s unmatched trust, the Amrit Vrishti FD is one of the best short-term investment options of 2025.
It beats savings account returns, avoids equity market volatility, and fits perfectly into financial plans for upcoming goals like school fees, travel savings, emergency funds, or supplementing retirement income.
If you’re looking for a safe, simple, and rewarding FD, this scheme delivers real value.
Open it through the SBI YONO app or visit sbi.co.in to get started.
