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The SBI Amrit Vrishti Scheme 2026 (also known as the SBI 444 Days FD) is a special fixed deposit product from State Bank of India offering a fixed tenure of 444 days with competitive interest rates. As of December 19, 2025, the scheme offers 6.45% p.a. to regular investors.
Senior citizens (60+) earn 50 basis points extra, while super senior citizens (80+) get an additional 60 basis points over the regular rate. This option may suit conservative + short-term investors who are looking for returns higher than a regular fixed deposit.
Need more details? Read this article to check out the primary features of the SBI Amrit Vrishti FD scheme and the latest SBI 444-day FD interest rate applicable across investor categories.
Features of the SBI Amrit Vrishti FD Scheme 2026
As the name suggests, the tenure of this scheme is strictly fixed at 444 days. You cannot choose a shorter or longer period under this option. The special SBI 444-day FD interest rate is valid only if the deposit remains invested for the full term. This makes the scheme suitable for investors who already know their time horizon and do not require flexibility in tenure selection.
If you are looking to commit funds, firstly, read out these features of the SBI Amrit Vrishti scheme:
1. Minimum Deposit Amount
The minimum amount required to open an SBI 444-day FD is ₹1,000. Once the deposit is made, interest starts accruing from the date of booking and is credited based on the payout option chosen. There is no upper limit mentioned for regular retail investors within SBI’s fixed deposit rules.
2. Interest Payment Options
The SBI Amrit Vrishti FD scheme allows you to choose from several interest payout options, such as:
- Monthly
- Quarterly
- Half-yearly payouts
If you do not select a periodic payout option, the interest is paid at maturity along with the principal. The interest rate applies for the full 444-day tenure, provided the deposit is not withdrawn early.
3. Premature Withdrawal Facility
You can close the fixed deposit before maturity, but a penalty applies as per the schedule below:
| Deposit Amount | When You Withdraw Early | Interest Penalty Applied |
|---|---|---|
| Up to ₹5 lakh | Withdraw before 444 days | Interest rate reduced by 0.50% |
| Above ₹5 lakh and below ₹3 crore | Withdraw before 444 days | Interest rate reduced by 1% |
| Any amount | Withdraw within 7 days of booking | No interest payable |
Disclaimer: The penalty rates mentioned above are applicable as of December 19, 2025, and are subject to change at the bank’s discretion. Investors should review the latest terms and conditions before investing.
Special Exception for SBI Staff and Pensioners
Bank staff and SBI pensioners are treated differently under this SBI fixed deposit plan. If they withdraw the deposit before maturity, no penalty is charged and full interest is received. This exception does not apply to regular customers.
4. Loan Facility Against Deposit
Instead of breaking the fixed deposit, you can take a loan against the SBI 444-day FD. This allows you to meet short-term financial needs while keeping the deposit active. Note that interest on the loan is charged separately, and the fixed deposit continues to earn interest during the loan period.
SBI 444 days FD Interest Rate
Recently, the interest rate for the Amrit Vrishti (444 days) scheme was reduced from 6.60% to 6.45% for regular investors, effective 15 December 2025. Senior and super senior citizens remain eligible for additional interest benefits as per SBI’s prevailing rules.
As of December 19, 2025, the following interest rates prevail:
| Investor Category | Interest Rate (p.a.) |
|---|---|
| Regular Investors | 6.45% |
| Senior Citizens (60 years & above) | 6.95% (6.45% + 0.50%) |
| Super Senior Citizens (80 years & above) | 7.05% (6.45%+ 0.60%) |
To Sum Up, the SBI Amrit Vrishti Scheme is a Special 444-day FD in SBI
Till now, you must have understood that the SBI Amrit Vrishti Scheme is a 444-day FD product. It offers competitive interest rates for short-term investors. Recently, SBI revised the rates, and as of December 19, 2025, regular customers can earn up to 6.45% p.a., with higher rates available for senior and super senior citizens.
Also, the scheme has a minimum deposit requirement of ₹1,000 and offers flexible interest payout options. You can even avail a loan against the 444-day FD in SBI to meet your financial emergencies.
Besides this, if you are interested in other fixed-income investment options, you can explore the Goldenpi platform. Here, you can explore multiple bond collections, fixed deposits from small finance banks and NBFCs, and even apply to the ongoing NCD IPOs.
SBI Amrit Vrishti FD Scheme FAQs
What is the minimum amount for an FD in SBI?
You can start investing in the SBI Amrit Vrishti scheme or other FD products of SBI with a minimum deposit of ₹1,000.
Is the SBI Amrit Vrishti FD Scheme eligible for Section 80C deduction?
No. The SBI 444-day FD is not a tax-saving fixed deposit. It does not qualify for deduction under Section 80C of the Income Tax Act because it does not have the mandatory five-year lock-in period. The interest earned is fully taxable as per the investor’s income tax slab.
Is TDS applicable to the SBI 444-day FD?
Yes! Tax Deducted at Source (TDS) applies if the total interest earned in a financial year crosses the prescribed limit set under income tax rules. If applicable, SBI deducts TDS before crediting interest. Investors can submit Form 15G or 15H, if eligible, to avoid TDS deduction.
How can you apply for the SBI 444-day FD?
You can apply online through SBI net banking or the YONO mobile app by selecting the “Special Term Deposit” option and choosing the 444-day tenure. Alternatively, you may visit the nearest SBI branch with valid KYC documents to open the fixed deposit offline.
Disclaimer:
This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the debt securities/ municipal debt securities/ securitised debt instruments are subject to risks, including delay and/ or default in payment. Read all the offer-related documents carefully.
Bonds or non-convertible debentures (NCDs) are regulated by the Securities and Exchange Board of India and other government authorities. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.
