The State Bank of India (SBI) has tossed a money-spinning fixed deposit scheme called SBI Amrit Vrishti FD, which assures returns for a tenure of 444 days. It’s for those customers who want to get the bank to accept a part of their future deposits and guarantee high returns within a very short timeframe. With effect from June 15, 2025, and after the bank adjusts its revised rates, both regular and senior citizens have taken this scheme to their hearts.
What Is the SBI 444-Day FD Scheme?
SBI Amrit Vrishti FD is of a limited period. The said tenure will automatically get mature after 444 days. The whole difference between a regular FD and this is that this will actually earn you a lot more than the former for a very short time. What does it mean to you? It means you can start as low as ₹1,000, making it easier for low-income earners and first-time investors.
Interest Rates and Returns:
As of June 2025, the interest rates being offered by SBI are as follows:
- General citizen: 6.60% per annum
- Senior citizen: 7.10% per annum
That suggests a ₹1 lakh investment by a senior would give more than ₹8,000 of interest in a mere 444 days. Interest is compounded quarterly, and the maturity amount is paid at the end of the term if approval. It earns more than the normal FDs in a much shorter time.
Ways to Invest and Eligibility
One can invest in this scheme through an Indian resident savings account holder with SBI. These are ways to open your FD:
- Online via SBI’s net banking or YONO app
- At the closest SBI branch
For accounts singly and jointly, the scheme purveys early withdrawal, although with a penalty. If you want to take part in safe, short-term profit-making activities without market risks, go for it.
Last Thoughts
SBI 444 Days FD: Investments for smart minds with less is about to get more. This plan could not just be an option where younger as well as senior savers could realize their pleasant dreams- no matter whether it will give them high return at the end of the day or not. If you would go for FDs which offer lower rates of interest, certainly this plan is better than those. And the investment is in fixed deposits- so that it will stay a flexible investment scheme forever.