{"id":11276,"date":"2026-01-03T07:55:17","date_gmt":"2026-01-03T07:55:17","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=11276"},"modified":"2026-04-15T07:08:16","modified_gmt":"2026-04-15T07:08:16","slug":"sbi-days-fd-scheme-sbi-amrit-vrishti-scheme","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/","title":{"rendered":"SBI 444 Days FD Scheme 2026 (SBI Amrit Vrishti Scheme)"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The <\/span><span style=\"font-weight: 400;\">SBI Amrit Vrishti Schem<\/span><span style=\"font-weight: 400;\">e 2026 (also known as the <\/span><span style=\"font-weight: 400;\">SBI 444 Days FD<\/span><span style=\"font-weight: 400;\">) 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.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If we talk about the SBI 444 days FD interest rate for senior citizens, 60+ investors can earn 50 basis points extra, while super senior citizens (80+) get an additional 60 basis points over the regular rate. <\/span><span style=\"font-weight: 400;\">This <\/span><span style=\"font-weight: 400;\">SBI new FD scheme 2026<\/span><span style=\"font-weight: 400;\"> may suit conservative + short-term investors who are looking for returns higher than a regular fixed deposit.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Need more details? Read this article to check out the primary features of the <\/span><span style=\"font-weight: 400;\">SBI Amrit Vrishti FD scheme <\/span><span style=\"font-weight: 400;\">and the <\/span><a href=\"https:\/\/goldenpi.com\/blog\/sbi-fd-rates\/how-much-sbi-fd-rates-changed\/\"><span style=\"font-weight: 400;\">latest <\/span><span style=\"font-weight: 400;\">SBI FD interest rates<\/span><\/a><span style=\"font-weight: 400;\"> applicable<\/span> <span style=\"font-weight: 400;\">across investor categories.\u00a0<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/#Features_of_the_SBI_Amrit_Vrishti_FD_Scheme_2026\" >Features of the SBI Amrit Vrishti FD Scheme 2026<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/#1_Minimum_Deposit_Amount\" >1. Minimum Deposit Amount<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/#2_Interest_Payment_Options\" >2. Interest Payment Options<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/#3_Premature_Withdrawal_Facility\" >3. Premature Withdrawal Facility<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/#Special_Exception_for_SBI_Staff_and_Pensioners\" >Special Exception for SBI Staff and Pensioners<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/#4_Loan_Facility_Against_Deposit\" >4. Loan Facility Against Deposit<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/#SBI_444_days_FD_Interest_Rate\" >SBI 444 days FD Interest Rate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/#To_Sum_Up_the_SBI_Amrit_Vrishti_Scheme_is_a_Special_444-day_FD_in_SBI\" >To Sum Up, the SBI Amrit Vrishti Scheme is a Special 444-day FD in SBI<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/#SBI_Amrit_Vrishti_FD_Scheme_FAQs\" >SBI Amrit Vrishti FD Scheme FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/#1_What_is_the_minimum_amount_for_an_FD_in_SBI\" >1. What is the minimum amount for an FD in SBI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/#2_Is_the_SBI_Amrit_Vrishti_FD_Scheme_eligible_for_Section_80C_deduction\" >2. Is the SBI Amrit Vrishti FD Scheme eligible for Section 80C deduction?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/#3_Is_TDS_applicable_to_the_SBI_444-day_FD\" >3. Is TDS applicable to the SBI 444-day FD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/#4_How_can_you_apply_for_the_SBI_444-day_FD_in_2026\" >4. How can you apply for the SBI 444-day FD in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/#5_What_is_the_Amrit_Vrishti_scheme_in_SBI\" >5. What is the Amrit Vrishti scheme in SBI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/#6_What_is_Amrit_Vrishti\" >6. What is Amrit Vrishti?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/#7_What_is_the_interest_of_10_lakh_in_SBI_per_month\" >7. What is the interest of 10 lakh in SBI per month?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-days-fd-scheme-sbi-amrit-vrishti-scheme\/#8_How_to_open_Amrit_Vrishti_SBI_online\" >8. How to open Amrit Vrishti SBI online?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Features_of_the_SBI_Amrit_Vrishti_FD_Scheme_2026\"><\/span><span style=\"font-weight: 400;\">Features of the <\/span><span style=\"font-weight: 400;\">SBI Amrit Vrishti FD Scheme<\/span><span style=\"font-weight: 400;\"> 2026<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As the name suggests, the <a href=\"https:\/\/goldenpi.com\/blog\/sovereign-gold-bond\/what-is-the-tenure-or-maturity-period-of-sovereign-gold-bonds\/\">tenure<\/a> of this scheme is strictly fixed at 444 days. You cannot choose a shorter or longer period under this option. The special S<\/span><span style=\"font-weight: 400;\">BI 444-day FD interest rate<\/span><span style=\"font-weight: 400;\"> is valid only if the deposit remains invested for the full term. This makes the <\/span><span style=\"font-weight: 400;\">SBI new FD scheme 2026<\/span><span style=\"font-weight: 400;\"> suitable for investors who already know their time horizon and do not require flexibility in tenure selection.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are looking to commit funds, firstly, read out these features of the <\/span><span style=\"font-weight: 400;\">SBI Amrit Vrishti scheme:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Minimum_Deposit_Amount\"><\/span><span style=\"font-weight: 400;\">1. Minimum Deposit Amount<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The minimum amount required to open an <\/span><span style=\"font-weight: 400;\">SBI 444-day <a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/why-most-indians-have-only-fds-and-why-thats-a-problem\/\">FD<\/a><\/span><span style=\"font-weight: 400;\"> is \u20b91,000. 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\u2019s fixed deposit rules.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Interest_Payment_Options\"><\/span><span style=\"font-weight: 400;\">2. Interest Payment Options<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The <\/span><span style=\"font-weight: 400;\">SBI Amrit Vrishti FD scheme<\/span><span style=\"font-weight: 400;\"> allows you to choose from several interest payout options, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Monthly<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Quarterly<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Half-yearly payouts<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Premature_Withdrawal_Facility\"><\/span><span style=\"font-weight: 400;\">3. Premature Withdrawal Facility<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can close the fixed deposit before maturity, but a penalty applies as per the schedule below:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Deposit Amount<\/span><\/th>\n<th><span style=\"font-weight: 400;\">When You Withdraw Early<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Interest Penalty Applied<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Up to \u20b95 lakh<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Withdraw before 444 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Interest rate reduced by 0.50%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Above \u20b95 lakh and below \u20b93 crore<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Withdraw before 444 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Interest rate reduced by 1%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Any amount<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Withdraw within 7 days of booking<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No interest payable<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Disclaimer: The penalty rates mentioned above are applicable as of December 19, 2025, and are subject to change at the bank\u2019s discretion. Investors should review the latest terms and conditions before investing.<\/span><\/i><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Special_Exception_for_SBI_Staff_and_Pensioners\"><\/span><span style=\"font-weight: 400;\">Special Exception for SBI Staff and Pensioners<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Bank staff and SBI pensioners are treated differently under this <\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-much-sbi-fd-rates-changed\/\">SBI<\/a> fixed deposit plan<\/span><span style=\"font-weight: 400;\">. If they withdraw the deposit before maturity, no penalty is charged and full interest is received. This exception does not apply to regular customers.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Loan_Facility_Against_Deposit\"><\/span><span style=\"font-weight: 400;\">4. Loan Facility Against Deposit<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Instead of breaking the fixed deposit, you can take a loan against the <\/span><span style=\"font-weight: 400;\">SBI 444-day FD<\/span><span style=\"font-weight: 400;\">. 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.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"SBI_444_days_FD_Interest_Rate\"><\/span><span style=\"font-weight: 400;\">SBI 444 days FD Interest Rate<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Recently, the interest rate for the <\/span><span style=\"font-weight: 400;\">SBI new FD scheme 2026<\/span><span style=\"font-weight: 400;\"> 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\u2019s prevailing rules.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As of December 19, 2025, the following interest rates prevail:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Investor Category<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Interest Rate (p.a.)<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Regular Investors<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.45%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Senior Citizens (60 years &amp; above)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.95% (6.45% + 0.50%)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Super Senior Citizens (80 years &amp; above)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.05% (6.45%+ 0.60%)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<h2><span class=\"ez-toc-section\" id=\"To_Sum_Up_the_SBI_Amrit_Vrishti_Scheme_is_a_Special_444-day_FD_in_SBI\"><\/span><span style=\"font-weight: 400;\">To Sum Up, the <\/span><span style=\"font-weight: 400;\">SBI Amrit Vrishti Scheme<\/span><span style=\"font-weight: 400;\"> is a Special<\/span><span style=\"font-weight: 400;\"> 444-day FD in SBI<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Till now, you must have understood that the <\/span><span style=\"font-weight: 400;\">SBI Amrit Vrishti Scheme<\/span><span style=\"font-weight: 400;\"> is a <\/span><span style=\"font-weight: 400;\">444-day FD <\/span><span style=\"font-weight: 400;\">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 <\/span><a href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-fixed-deposit\/sbi-interest-rates-on-retail-domestic-term-deposits-below-rs-3-crore\/\"><span style=\"font-weight: 400;\">higher rates available<\/span><\/a><span style=\"font-weight: 400;\"> for senior and super senior citizens.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Also, the scheme has a minimum deposit requirement of \u20b91,000 and offers flexible interest payout options. You can even avail a loan against the 444-day FD in SBI to meet your financial emergencies.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Besides this, if you are interested in other fixed-income investment options, you can <\/span><a href=\"https:\/\/goldenpi.com\/\"><span style=\"font-weight: 400;\">explore the Goldenpi platform<\/span><\/a><span style=\"font-weight: 400;\">. Here, you can explore <\/span><a href=\"https:\/\/goldenpi.com\/collections\"><span style=\"font-weight: 400;\">multiple bond collections<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\"><span style=\"font-weight: 400;\">fixed deposits<\/span><\/a><span style=\"font-weight: 400;\"> from small finance banks and NBFCs, and even apply to the <\/span><a href=\"https:\/\/goldenpi.com\/bond-ipo-online\"><span style=\"font-weight: 400;\">ongoing NCD IPOs<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"SBI_Amrit_Vrishti_FD_Scheme_FAQs\"><\/span><span style=\"font-weight: 400;\">SBI Amrit Vrishti FD Scheme<\/span><span style=\"font-weight: 400;\"> FAQs<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_the_minimum_amount_for_an_FD_in_SBI\"><\/span><span style=\"font-weight: 400;\">1. What is the minimum amount for an FD in SBI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can start investing in<\/span><span style=\"font-weight: 400;\"> the SBI Amrit Vrishti scheme <\/span><span style=\"font-weight: 400;\">or other FD products of SBI with a minimum deposit of \u20b91,000.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Is_the_SBI_Amrit_Vrishti_FD_Scheme_eligible_for_Section_80C_deduction\"><\/span><span style=\"font-weight: 400;\">2. Is the <\/span><span style=\"font-weight: 400;\">SBI Amrit Vrishti FD Scheme<\/span><span style=\"font-weight: 400;\"> eligible for Section 80C deduction?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">No. The <\/span><span style=\"font-weight: 400;\">SBI 444-day FD<\/span><span style=\"font-weight: 400;\"> 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\u2019s income tax slab.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Is_TDS_applicable_to_the_SBI_444-day_FD\"><\/span><span style=\"font-weight: 400;\">3. Is TDS applicable to the <\/span><span style=\"font-weight: 400;\">SBI 444-day FD<\/span><span style=\"font-weight: 400;\">?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_How_can_you_apply_for_the_SBI_444-day_FD_in_2026\"><\/span><span style=\"font-weight: 400;\">4. How can you apply for the SBI 444-day FD in 2026?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can apply online through SBI net banking or the YONO mobile app by selecting the \u201cSpecial Term Deposit\u201d 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.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_is_the_Amrit_Vrishti_scheme_in_SBI\"><\/span><span style=\"font-weight: 400;\">5. What is the Amrit Vrishti scheme in SBI?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">SBI Amrit Vrishti <\/span><span style=\"font-weight: 400;\">is a special fixed deposit scheme that comes with a fixed tenure of 444 days. It offers higher interest rates than the regular rate card offered by the SBI.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_What_is_Amrit_Vrishti\"><\/span><span style=\"font-weight: 400;\">6. What is Amrit Vrishti?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">SBI Amrit Vrishti <\/span><span style=\"font-weight: 400;\">is a 444-day FD scheme. If we talk about the <\/span><span style=\"font-weight: 400;\">SBI FD interest rates 2026 for 444 days, <\/span><span style=\"font-weight: 400;\">this scheme is offering 6.45% p.a. to regular investors (as of December 19, 2025). Senior and super senior citizens are eligible for additional interest rates.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_What_is_the_interest_of_10_lakh_in_SBI_per_month\"><\/span><span style=\"font-weight: 400;\">7. What is the interest of 10 lakh in SBI per month?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">With the <\/span><span style=\"font-weight: 400;\">SBI Amrit Vrishti<\/span><span style=\"font-weight: 400;\"> scheme, regular investors can earn up to 6.45% p.a. (as of December 19, 2025). When calculated on the initial principal of \u20b910 lakhs, you can earn \u20b95,375 per month [(10,00,000 x 6.45%)\/ 12] before TDS.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_How_to_open_Amrit_Vrishti_SBI_online\"><\/span><span style=\"font-weight: 400;\">8. How to open Amrit Vrishti SBI online?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can open the <\/span><span style=\"font-weight: 400;\">SBI Amrit Vrisht<\/span><span style=\"font-weight: 400;\">i scheme online through SBI Internet Banking or the YONO app. All you have to do is log in and go to \u201cDeposit and Investment\u201d. Next, navigate to Fixed Deposit and select Amrit Vrishti. Here, enter the deposit amount, accept the terms, and submit. The FD is opened instantly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">____________________________________________________<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Disclaimer:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p>Latest updated: 13-02-2026<\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the minimum amount for an FD in SBI?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"You can start investing in the SBI Amrit Vrishti scheme or other SBI fixed deposit products with a minimum deposit of \u20b91,000.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is the SBI Amrit Vrishti FD Scheme eligible for Section 80C deduction?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No, the SBI 444-day FD is not a tax-saving fixed deposit and 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\u2019s income tax slab.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is TDS applicable to the SBI 444-day FD?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, Tax Deducted at Source (TDS) applies if the total interest earned in a financial year exceeds the prescribed limit under income tax rules. SBI deducts TDS before crediting interest. Eligible investors can submit Form 15G or 15H to avoid TDS deduction.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How can you apply for the SBI 444-day FD in 2026?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"You can apply online through SBI Internet 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 FD offline.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the Amrit Vrishti scheme in SBI?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"SBI Amrit Vrishti is a special fixed deposit scheme with a fixed tenure of 444 days. It offers higher interest rates compared to the regular SBI fixed deposit rate card.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is Amrit Vrishti?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"SBI Amrit Vrishti is a 444-day fixed deposit scheme offering 6.45% per annum to regular investors (as of December 19, 2025). Senior and super senior citizens are eligible for additional interest rates. Interest rates are subject to change.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the interest of 10 lakh in SBI per month?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Under the SBI Amrit Vrishti scheme offering 6.45% per annum (as of December 19, 2025), an investment of \u20b910 lakhs can earn approximately \u20b95,375 per month before TDS, calculated as (10,00,000 x 6.45%) divided by 12.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How to open Amrit Vrishti SBI online?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"You can open the SBI Amrit Vrishti scheme online through SBI Internet Banking or the YONO app. Log in, go to 'Deposit and Investment', select Fixed Deposit, choose Amrit Vrishti, enter the deposit amount, accept the terms, and submit. The FD is opened instantly.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The SBI Amrit Vrishti Scheme 2026 (also known as the SBI 444 Days FD) is a special fixed deposit product from State&hellip;<\/p>\n","protected":false},"author":8,"featured_media":11297,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[225],"tags":[19,41,58,59,886,887,888,889,890,891,892,893],"class_list":["post-11276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-deposit","tag-fixed-income-investments","tag-fixed-income","tag-fixed-income-securities","tag-fixed-deposits","tag-sbi-444-days-fd","tag-sbi-amrit-vrishti-fd-scheme","tag-sbi-amrit-vrishti-scheme","tag-sbi-444-days-fd-interest-rate","tag-what-is-the-minimum-amount-for-fd-in-sbi","tag-444-days-fd","tag-sbi-fixed-deposit-plan","tag-444-days-fd-in-sbi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Know Everything About the SBI Amrit Vrishti FD Scheme 2026 | Key features, Interest Rate, Eligibility, and More<\/title>\n<meta name=\"description\" content=\"Understand the SBI Amrit Vrishti FD scheme in detail. 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