SBI 444-Day FD Scheme 2025, commonly known as Amrit Vrishti, has become one of the most preferred fixed-income options for Indian savers who seek stability in a year of mild inflation and volatile market returns.
Launched in April 2025 and further extended due to high demand, this special FD offers a tenure of 444 days—approximately 15 months—and also offers a higher interest rate than standard SBI FDs, which is especially beneficial for senior and super senior citizens.
In a year when inflation was hovering around 4-5% and the RBI maintained policy stability even after the rate cut in June, this FD has emerged as a safe, reliable and government-backed savings instrument for both short-term and medium-term goals.
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 |
What is the SBI Amrit Vrishti FD scheme?
Amrit Vrishti FD is a limited-period retail term deposit designed for deposits of less than ₹3 crore.
It is automatically applied when a customer selects a 444-day tenure when opening a fixed deposit online or in-branch.
SBI offers compound interest every quarter, which increases the maturity value compared to monthly or simple interest options.
This scheme is suitable for those who want better returns without locking up money for a long period, such as 3–5 years.
It can be accessed through SBI’s 22,000+ branches, the 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 interest rate revision on June 15, 2025, SBI has fixed the following returns for 444-day FDs:
- Regular citizens: 6.60% p.a.
- Senior citizens (60+): 7.10% p.a.
- Super senior citizens (80+): 7.20% p.a.
These are slightly lower than the peak of 6.85–7.45% in May 2025, but still higher than most regular SBI FDs and better than many private bank offers for the same period.
There are no further changes to the rate for Q4 2025, giving investors the opportunity to lock in the rate before the next RBI policy cycle.
How Interest is Calculated: Example and Payout Options
Interest is calculated daily and compounded every three months.
For example, a deposit of ₹1,00,000 at 6.60% grows to approximately
- ₹1,08,289 at maturity (444 days)
- Investors can choose from:
- Cumulative FD – interest paid at maturity
- Non-cumulative FD – monthly, quarterly, or semi-annual payments
- The latter option is ideal for retired individuals or those who need a predictable income source.
SBI’s YONO FD calculator helps customers quickly check their personalized maturity value.
Who can invest? Eligibility and Documents
The Amrit Vrishti Scheme is open to:
- Resident Indians (18+)
- NRIs (through NRE/NRO accounts)
- Minors (through guardian)
- Senior and Super Senior Citizens (auto-eligible for extra rates)
- Minimum Investment: ₹1,000
- Maximum: Less than ₹3 crore
Required Documents:
- Aadhaar
- PAN
- Form 60 (if PAN is not available)
- Opening an FD online takes less than 10 minutes, and you receive an instant digital receipt upon completion.
Key Benefits of the SBI 444-Day FD Scheme
This FD offers security along with flexibility, including:
- Higher interest rates than regular SBI FDs
- Auto-renewal at the prevailing rate
- Nomination facility for easy inheritance
- Joint account option
- Quarterly compounding for better returns
- Government security of up to ₹5 lakh through DICGC insurance
- It is especially popular among salaried individuals, senior citizens seeking secure income, and families building emergency reserves.
Liquidity and Premature Withdrawal Rules
FDs can be closed prematurely after 7 days, provided
- 1% penalty on applicable interest
- Those who need money urgently can avoid breaking an FD:
- Loan up to 90% of the principal against FD
- Interest rate: 1–2% higher than the FD rate
- It is a handy liquidity tool during emergencies without compromising on long-term returns.
- Taxation rules and maturity process
- The interest earned is added to the depositor’s taxable income.
- TDS is deducted as follows:
- 10% if interest exceeds ₹40,000/year
- ₹50,000 for senior citizens
- To avoid TDS (if eligible), investors can submit Form 15G/15H.
Upon maturity of 444 days, the entire amount is automatically credited to the linked SBI savings account, with the option to reinvest or renew.
Why You Should Consider the SBI 444-Day FD in 2025
With its balanced time horizon, attractive interest rate, and SBI’s unmatched trust, the Amrit Vrishti FD is one of the best short-term investment options in 2025.
It offers better returns than a savings account, protects against equity market fluctuations, 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, easy, and profitable FD, this scheme offers real value.
Open it through the SBI YONO app or visit sbi.co.in to get started.