SBI Amrit Vrishti Scheme 444 Days

What is the SBI 444 Days FD Interest Rate​?

The SBI 444 days FD is introduced specially for term deposits below 3 crore with attractive interest rates for general, senior citizens, and super senior citizens ( 6.45%, 6.95% and 7.05% p.a, respectively). It is suitable for short-term investors who demand a safe and higher SBI FD interest rate, with multiple payout options. You can easily apply for this scheme through a branch visit, INB, or the YONO mobile application.

SBI Amrit Vrishti Scheme 444 Days Interest Rates 2026

The table will show you the interest rates for the SBI Amrit Vrishti Scheme for different categories:

SBI 444 days FD scheme w.e.f. December 15, 2025

Features of the SBI Amrit Vrishti Scheme

Below are some of the benefits of the Amrit Vrishti SBI:

1. Minimum Deposit Amount: 

   The minimum deposit amount is Rs 1,000 for this scheme, and you can expect a high interest earned, which will be credited to your account.

2. Interest Payment Options: 

   If you want to pay SBI FD Interest Rates for 444 days, you can choose the special term deposits at the time of maturity, which include monthly/ quarterly/half-yearly intervals.

3. Premature Withdrawal Available: 

   You will lose 0.50% of your interest up to 5 lakhs. 1% of your interest over ₹5 lakhs (but under ₹3 crore). The penalty cannot be reduced or waived for regular customers. If you withdraw your deposit in less than 7 days, you will receive no interest at all.

   • Special exception: Bank staff and SBI pensioners are exempt from all premature withdrawal penalties. They will receive the full interest for the period the deposit was with the bank.

4. Loan Facility: 

   SBI Amrit Vrishti Scheme 444 Days, a loan against SBI FD is available. Instead of breaking your FD and losing out on the high interest, you can get a loan against it to meet a financial need.

5. Fixed Tenure: 

   The FD deposit tenure is fixed for 444 days, as the name itself is self-explanatory, which is for 444 days. 

Eligibility For SBI Amrit Vrishti Scheme

The following is the basic eligibility to buy the SBI Amriti Vrishti scheme:

• Domestic and NRI customers who open or renew a fixed deposit of less than ₹3 crore.
• Individuals who want a standard term deposit or a special term deposit.

Tax Implications on SBI Amrit Vrishti Scheme

The SBI Amrit Vrishti scheme is specifically excluded from tax-saving deposits as it requires a 5-year lock-in period. The scheme is eligible for tax deduction under Section 80C of the Income Tax Act. Under this scheme, TDS will not be applicable.  

Conclusion

SBI FD interest rates vary based on the deposit tenure, with higher rates for senior citizens, and special schemes like the Amrit Vrishti offering competitive returns up to 6.45% p.a. for general citizens. SBI 444 Days FD has a minimum deposit of Rs 1,000, along with a loan facility and a premature withdrawal option. This scheme is ideal for short-term investors who prioritise a safe investment with a competitive return rate and multiple payout options.