SBI Amrit Vrishti Scheme 444 Days

SBI 444 Days FD Interest Rates

The table below shows the interest rates for the SBI 444-day tenure for general, senior and super senior citizens, effective from December 15, 2025 (last verified in August 2026):

SBI 444-day FD scheme rates w.e.f. December 15, 2025

Features of the SBI Amrit Vrishti Scheme

Below are some of the features and benefits of the SBI Amrit Vrishti Scheme:

1. Minimum Deposit Amount:

   For the SBI Amrit Vrishti Scheme, a minimum deposit amount of Rs 1,000 is required for this scheme, and you can expect high interest rates to be 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. The effective annual return is highest on the "Cumulative" option, where interest compounds quarterly.

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 Amrit Vrishti scheme:

• Domestic Residents, NRIs (NRO/NRE), and HUFs for 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

The SBI FD 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.