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 While the popular ‘Amrit Kalash’ has been withdrawn, the 444-day ‘Amrit Vrishti’ scheme remains a top choice.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.
| Tenure | General Public Rate | Senior Citizen Rate |
|---|---|---|
| 7 days to 45 days | 3.05% | 3.55% |
| 46 days to 179 days | 4.90% | 5.40% |
| 180 days to 210 days | 5.65% | 6.15% |
| 211 days to < 1 year | 5.90% | 6.40% |
| 1 Year to < 2 years | 6.25% | 6.75% |
| 2 years to < 3 years | 6.45% | 6.95% |
| 3 years to < 5 years | 6.30% | 6.80% |
| 5 years and up to 10 years | 6.05% | 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.
- Login to the SBI YONO App or Online SBI.
- Go to the ‘Deposits’ section.
- Select ‘Fixed Deposit’ or the specific scheme name (e.g., Amrit Vrishti).
- Enter your Amount and Tenure (e.g., 444 days).
- 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.]
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