SBI Relaunches 'Amrit Vrishti' FD Scheme: Earn Up to 7.65% Interest — Here's Who Benefits the Most

In a move that brings cheer to fixed-income investors, the State Bank of India (SBI) has reintroduced its popular fixed deposit (FD) scheme, ‘Amrit Vrishti’, offering interest rates of up to 7.65%. The scheme, tailored for short-term and safe investments, is especially beneficial for senior citizens and those looking for assured returns in a volatile market.

Let’s dive into the details of who can benefit, the revised interest rates, and how this scheme stands apart from SBI’s regular FD offerings.

What Makes ‘Amrit Vrishti’ FD Special?

SBI’s ‘Amrit Vrishti’ scheme has made a comeback, targeting investors who prefer a safe and time-bound investment option. The fixed deposit under this scheme runs for a specific tenure of 444 days, offering attractive returns compared to regular FDs.

While the interest rates under the re-launched scheme are slightly lower than in the past, it still presents a competitive option — especially at a time when many banks are slashing FD interest rates. The scheme is a particularly sound choice for senior and super senior citizens, who can enjoy higher returns.

Investors can easily open this FD through SBI branches, YONO SBI, YONO Lite, or SBI Internet Banking platforms. The bank has not yet announced an end date for the availability of this scheme, making it an open opportunity for eligible depositors.

Updated Interest Rates Under Amrit Vrishti FD (Effective April 15, 2025): Customer Category Tenure (444 Days) Interest Rate (Per Annum)

Regular Customers	444 Days	7.05%
Senior Citizens (60+ years)	444 Days	7.55%
Super Senior Citizens (80+)	444 Days	7.65%

This tiered interest structure ensures maximum benefit to elderly investors, aligning with their preference for secure and stable returns.

How It Compares with Regular SBI FDs

After the latest revision in interest rates, SBI’s regular fixed deposits offer returns ranging from 3.50% to 6.90% depending on the tenure, which ranges from 7 days to 10 years.

Here’s a quick comparison:

• Regular SBI FD (2–3 years): up to 6.90%

• Senior Citizens: between 4% and 7.50%, including special schemes like ‘SBI We-care’, which offers higher rates for longer tenures (7–10 years).

• Amrit Vrishti FD: up to 7.65% for a fixed 444-day term, offering higher yields for a shorter period than many standard FDs.

Who Should Consider the Amrit Vrishti FD?

This scheme is ideal for:

• Conservative investors seeking safe returns without market risk.

• Senior and super senior citizens aiming to maximize interest income.

• Short-term planners looking to lock funds for a little over a year.

• Investors who want to take advantage of a limited-period FD offering with better-than-average returns.

Final Thoughts

In today’s uncertain economic environment, SBI’s Amrit Vrishti FD offers a timely opportunity for individuals — especially elderly depositors — to earn secure and competitive interest on their investments. With rates up to 7.65% and easy digital onboarding options, this FD scheme balances safety and returns smartly.

Pro Tip: Always compare FD options across banks and tenures to align your financial goals with the best available interest rate.

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