​SBI FD Rates Update November 2025: ‘Amrit Vrishti’ Scheme, Senior Citizen Benefits & Latest Interest Rates Explained

By Financial Desk | Updated: November 30, 2025

Synopsis: State Bank of India (SBI) continues to offer attractive fixed deposit options in late 2025. While the popular ‘Amrit Kalash’ has been withdrawn, the 444-day ‘Amrit Vrishti’ scheme remains a top choice. Here is a complete breakdown of the latest interest rates, special schemes for senior citizens, and maturity calculations.

​As we approach the end of 2025, Fixed Deposits (FDs) remain a cornerstone of safe investment portfolios in India. The State Bank of India (SBI), the nation’s largest lender, has updated its term deposit offerings to cater to diverse investor needs. If you are planning to book an FD this month, knowing the latest rates and special schemes is crucial to maximizing your returns.

1. The Flagship Scheme: SBI ‘Amrit Vrishti’ (444 Days)

​The Amrit Vrishti scheme is currently SBI’s headline offering for investors seeking higher returns over a medium-term tenure. Designed for a specific period of 444 days, it offers rates significantly higher than standard deposits.

  • General Citizens: 6.60% p.a.
  • Senior Citizens: 7.10% p.a.
  • Super Senior Citizens: Eligible for additional benefits.

Key Features:

  • Tenure: Exactly 444 days.
  • Booking: Available via SBI Branch, Internet Banking, and the YONO App.
  • Loan Facility: Investors can avail loans against this deposit.
  • Premature Withdrawal: Allowed, subject to a penalty of 0.50% to 1% depending on the deposit amount.
  • Interest Rate: 7.05% p.a. (includes regular senior citizen premium + additional WeCare premium).
  • Objective: To protect the income of senior citizens by offering additional interest in the falling interest rate regime.
  • Eligibility: Residents aged 60 years and above.
TenureGeneral Public RateSenior Citizen Rate
7 days to 45 days3.05%3.55%
46 days to 179 days4.90%5.40%
180 days to 210 days5.65%6.15%
211 days to < 1 year5.90%6.40%
1 Year to < 2 years6.25%6.75%
2 years to < 3 years6.45%6.95%
3 years to < 5 years6.30%6.80%
5 years and up to 10 years6.05%7.05%*

*The 7.05% rate for Senior Citizens includes the benefit of the SBI WeCare scheme.

4. Investment Calculator: What Are Your Returns?

​Understanding your maturity amount is key to financial planning. Here is an estimated calculation for a ₹1,00,000 investment in the current market scenarios:

  • Invest in Amrit Vrishti (444 Days):
    • Senior Citizen: Investing ₹1 Lakh at 7.10% will yield a maturity value of approx. ₹1,08,900+.
    • General Citizen: Investing ₹1 Lakh at 6.60% will yield approx. ₹1,08,200+.
  • Invest in 5-Year FD (WeCare):
    • Senior Citizen: Investing ₹1 Lakh at 7.05% allows for steady quarterly interest payouts or significant compounding benefits over 5 years.

5. Other Notable SBI Schemes

  • SBI Green Rupee Term Deposit: Aims to mobilize funds for green projects. It offers three specific tenures: 1111, 1777, and 2222 days. Investors can choose this to support eco-friendly initiatives while earning returns comparable to retail deposits.
  • SBI Sarvottam (Non-Callable): For high-net-worth individuals investing ₹1 Crore and above, this non-callable scheme offers higher interest rates (approx. 7.10% – 7.40% for 1-2 years) but does not allow premature withdrawal.

How to Book Your FD Instantly

​You do not need to visit a branch to start saving.

  1. Login to the SBI YONO App or Online SBI.
  2. ​Go to the ‘Deposits’ section.
  3. ​Select ‘Fixed Deposit’ or the specific scheme name (e.g., Amrit Vrishti).
  4. ​Enter your Amount and Tenure (e.g., 444 days).
  5. Confirm and watch your savings grow!

[Disclaimer: Interest rates are subject to periodic changes by the bank. Please check the official SBI website for real-time rates before investing.]

Smriti Mandhana–Palaash Muchhal Wedding Postponement Sparks Cheating Rumours; Choreographers and Mary D’Costa Issue Clarifications

The highly anticipated wedding of Indian women’s cricket vice-captain Smriti Mandhana and music composer Palaash Muchhal, originally scheduled for November 23 in Sangli, Maharashtra, has taken a dramatic turn after a sudden postponement due to health concerns in the family. Soon after, fans noticed that Smriti had deleted all wedding-related posts from her Instagram account, including engagement and proposal photos, triggering intense social-media speculation.

Rumours Drag Choreographers Into Controversy

Following the postponement, discussions on Reddit and Instagram amplified unverified claims alleging that two choreographers from the Bosco group — Nandika Dwivedi and Gulnaaz — who were hired to teach the couple their wedding dance routines, were somehow involved in the controversy. These claims quickly went viral, causing outrage and leading both names to trend across social platforms.

Choreographer Gulnaaz Breaks Silence

Amid the rising speculation, choreographer Gulnaaz issued a public statement through her Instagram Stories:

“I’ve been noticing a lot of speculation and false claims going around about Me & My Friend Nandika, so I want to clear this straight that We Are not the people involved in this issue. Just because we know someone socially or have a photo with them doesn’t mean we are connected to their personal matters. Please let’s keep things respectful and not jump to conclusions. We appreciate your understanding and support.”

Her clarification came as social platforms continued to swirl with unverified claims about what went wrong between Smriti and Palaash. Meanwhile, choreographer Nandika Dwivedi has not issued any statement and has made her social-media profile private.

Viral Picture of Palaash With a Choreographer Adds Fuel

A photograph of Palaash Muchhal with a wedding choreographer also began circulating online, further intensifying gossip. The picture, shared by users on X (formerly Twitter), led many to assume alleged involvement before the wedding. Bosco Martis was also seen in one of the images, confirming the choreographer’s association with the pre-wedding events.

Health Emergency Confirmed as Reason for Postponement

Despite the online storm, family members and wedding organisers confirmed that the wedding was postponed due to a medical emergency. Smriti’s father reportedly experienced a health scare, and both families decided to halt all celebrations. Reports also mention that both Smriti’s and Palaash’s fathers were hospitalised but later discharged.

Mary D’Costa’s Name Surfaces; She Issues Statement

Another twist emerged when screenshots labeled as “flirty chats” between Palaash Muchhal and a woman named Mary D’Costa surfaced online. These social-media posts fuelled widespread theories linking her to the wedding halt.

Mary D’Costa later addressed the rumours, clarifying:

  • The chats were from April–May 2025, lasting only a month.
  • She never met Palaash in person.
  • She is not a choreographer, countering misinformation online.
  • She originally exposed the chats back in July, long before the wedding gained public attention.
  • She asked people not to target her, stating she “cannot handle the backlash.”
  • Screenshots she shared on Reddit were the source of the viral content, but Mary emphasized she had no involvement in the couple’s personal issues.
  • Family Responds to Cheating Allegations

As rumours continued escalating, Palaash’s sister Palak Muchhal issued a statement urging the public to respect the privacy of both families:

“Due to Smriti’s dad’s health, Smriti and Palaash’s wedding has been put on hold. We request all of you to respect the privacy of the families during this sensitive time.”

Additionally, Palaash’s mother revealed he was emotionally overwhelmed by the situation and had also been hospitalised briefly due to stress and exhaustion.

No Official Statement From Smriti or Palaash

So far, neither Smriti Mandhana nor Palaash Muchhal has commented publicly on the postponement or the allegations, leaving fans waiting for a clear update. Teammates of Smriti have reportedly unfollowed Palaash and deleted wedding-related posts, adding further confusion to the ongoing speculation.

What We Know for Sure

According to all confirmed details in your file:

  • The wedding was postponed due to a family health emergency.
  • Online rumours about cheating remain unverified.
  • Choreographers Nandika Dwivedi and Gulnaaz both deny involvement.
  • Mary D’Costa clarified she had no personal connection and only shared past chat screenshots.
  • The couple has not issued any official statement.