Imagine parking your hard-earned money in a secure haven that grows steadily over just over a year, backed by India’s largest bank. In an era of fluctuating markets, the SBI Amrit Vrishti Fixed Deposit Scheme stands out as a beacon of reliability and attractive yields.
Launched as a special retail term deposit for exactly 444 days, this scheme offers guaranteed returns with enhanced interest rates, making it a smart choice for conservative investors seeking short-term growth.
What Is The Amrit Vrishti Scheme?
The SBI Amrit Vrishti is a limited-period special fixed deposit introduced by State Bank of India. It features a unique tenure of 444 days (approximately 14-15 months). This scheme replaced earlier offerings like Amrit Kalash and has been extended multiple times. As of December 2025, it remains available until further notice, following revisions in mid-2025.
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This FD is ideal for those planning for near-term goals, such as vacations, home renovations, or building an emergency fund. Deposits are insured up to Rs 5 lakh by DICGC, ensuring complete safety.
Latest Interest Rates As Of December 2025
Following the RBI’s repo rate adjustments, SBI revised rates for this scheme. On December 12, 2025, SBI announced a 15 bps cut effective December 15, 2025, bringing the general rate to 6.45%.
Current rates (until December 14, 2025):
| Category | Interest Rate (p.a.) |
|---|---|
| General Citizens | 6.60% |
| Senior Citizens | 7.10% |
| Super Senior Citizens (80+) | 7.20% |
Key Features And Benefits
Minimum deposit starts at just Rs 1,000, with no upper limit for retail (below Rs 3 crore). Investors can avail loans up to 90% against the FD.
