If you are looking for a safe and rewarding investment option in 2025, the SBI Amrit Vrishti Scheme might be the perfect fixed deposit (FD) for you. Offered by the State Bank of India (SBI), this special term deposit provides attractive interest rates and a unique 444-day tenure. In this blog, we will explain everything you need to know about the SBI Amrit Vrishti Scheme 2025, including features, interest rates, eligibility, benefits, and how to apply.

What is SBI Amrit Vrishti Scheme?

The SBI Amrit Vrishti Scheme is a special fixed deposit scheme launched by the State Bank of India with a fixed tenure of 444 days. It is designed to offer higher returns compared to regular FDs. This scheme is available for a limited time and is open to both regular and senior citizen investors.

Key Features of SBI Amrit Vrishti Scheme

• Tenure: 444 days (fixed)

• Interest Rates:

  • General Public: 7.05% per annum

  • Senior Citizens: 7.55% per annum

  • Super Senior Citizens (80+): 7.65% per annum

• Minimum Deposit: Rs. 1,000

• Maximum Deposit: Less than Rs. 3 crore

• Interest Payout: On maturity or periodic (monthly/quarterly/half-yearly)

• Premature Withdrawal:

  • Up to Rs. 5 lakh: 0.50% penalty

  • Above Rs. 5 lakh: 1% penalty

• Available for NRI customers too

Benefits of SBI Amrit Vrishti Scheme

• Higher Returns: Offers better interest than standard FDs

• Flexible Options: Interest can be received periodically or at maturity

• Safe Investment: Backed by SBI, India’s largest bank

• Special Senior Citizen Rates: Additional interest for older investors

• Limited-Time Offer: Exclusive scheme with fixed duration

Who is Eligible for SBI Amrit Vrishti Scheme?

• Resident Indians (Individuals and HUFs)

• Senior Citizens (above 60 years)

• Super Senior Citizens (above 80 years)

• NRIs (through NRO accounts)

• Minors (under guardianship)

How to Apply for SBI Amrit Vrishti Scheme

Online Method (SBI YONO or Net Banking)

1. Login to your SBI Net Banking or SBI YONO App

2. Go to Fixed Deposit section

3. Select “Special Term Deposit”

4. Enter deposit amount and choose “444 Days” tenure

5. Confirm and submit

Offline Method (Branch Visit)

1. Visit nearest SBI branch

2. Ask for the “Amrit Vrishti Fixed Deposit Form”

3. Fill in your details and deposit the amount

4. Submit your KYC documents if required

5. Collect the FD receipt

Comparison with Other FDs

Compared to regular SBI FDs, the Amrit Vrishti FD offers a higher interest rate for a specific 444-day term. Regular FD interest rates are usually around 6.5–6.75% for similar durations. This makes the Amrit Vrishti scheme a better option for short-term investment with higher returns.

Taxation on Interest Earned

Interest earned under the SBI Amrit Vrishti Scheme is taxable under the Income Tax Act, 1961. If your total FD interest in a year exceeds Rs. 40,000 (Rs. 50,000 for senior citizens), TDS (Tax Deducted at Source) is applicable.

Documents Required to Open SBI Amrit Vrishti FD

• PAN Card

• Aadhaar Card

• Address Proof

• Passport-size Photograph

• For NRIs: Passport, Visa, and NRO Account Details

Tips to Maximize Returns

• Senior citizens should definitely invest to enjoy extra interest

• Use net banking to avoid branch queues

• Choose maturity payout if not dependent on monthly income

• Link your FD with savings account for easy management

Link to SBI Official Page

You can check the official announcement and latest updates on SBI’s website.

Suggested Internal Links (for your blog):

• What is a Fixed Deposit? Benefits Explained

• Difference Between Recurring Deposit and Fixed Deposit

• Best FD Interest Rates in India 2025

FAQs about SBI Amrit Vrishti Scheme

Q1. Can I extend the Amrit Vrishti FD after maturity?
No, this is a special one-time scheme with a fixed duration of 444 days.

Q2. Can NRIs invest in this scheme?
Yes, NRIs with NRO accounts can invest.

Q3. Is it safe to invest in this FD scheme?
Yes, SBI is a government-backed bank, and the scheme is safe.

Q4. Can I withdraw my money before 444 days?
Yes, but a penalty of 0.50% or 1% will be deducted from the interest.

Q5. What happens if I don’t withdraw the FD on maturity?
It may get auto-renewed at normal FD rates unless you give specific instructions.

Conclusion

The SBI Amrit Vrishti Scheme 2025 is a golden opportunity for people looking for a short-term FD with high returns. It’s perfect for salaried individuals, senior citizens, and NRIs who want to park their money safely for 444 days. Since this is a limited-period scheme, it’s wise to invest early. Whether you’re investing online or offline, SBI makes the process simple and secure.

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