One of them is “The State Bank of India (SBI) has come up with a new fixed deposit scheme named SBI Amrit Vrishti FD that will provide good returns in a short period of time that is 444 days. The scheme requires the lowest investment of just ₹1,000 and is perfect for people who want to gain safe and quick growth with high-interest rates.”
What Is the SBI 444-Day FD Scheme?
SBI Amrit Vrishti FD is a limited-deposit plan that is called ‘Special’ and wherein the fixed tenure is for 444 days. It is obtainable only for deposits below ₹3 crore and has higher interest rates than the ordinary FDs. Moreover, the investors can select their desired interest payout option from monthly, quarterly, half-yearly, or even at maturity.
Latest Interest Rates – November 2025
A brief overview of the current interest rates as per the SBI 444-day FD scheme is as follows:
| Category | Interest Rate (p.a.) |
|---|---|
| General Citizens | 6.85% |
| Senior Citizens | 7.35% |
| Super Senior Citizens | 7.45% |
Key Benefits of SBI 444-Day FD
- Low Minimum Investment: A minimum deposit of only ₹1,000
- High Returns: Super senior citizens are entitled to up to 7.45% rate of return
- Flexible Payout Options: Interest will be automatically credited in the manner and at the time specified
- Safe & Secure: The largest public sector bank of India supports it
- Short Tenure: Suitable for the ones who want to get quick returns without a long lock-in
The scheme is excellent for salaried individuals, retirees, and small investors who wish to invest funds safety for a little over a year.
Senior Citizen Advantage
The senior citizens are awarded an extra 0.50% interest, whereas the super senior citizens (above 80 years) get a 0.60% bonus, thus making this FD a fortification for the income source during the retirement planning phase.
Final Thoughts
The 2025 SBI 444-day FD scheme is an enticing one that has a combination of factors working well for it: low entry cost and high returns. Besides the up to 7.45% rates, the flexibility in the payout options, and also the strong backing by an institution, it’s a wise decision for short-term savers. You are either going to invest for a goal or simply enjoy the safe growth; this FD is value with peace of mind.