SBI Amrit Vrishti Scheme: Under this scheme of SBI, you get attractive interest rates — know the full details**
State Bank of India (SBI) introduces various savings schemes for middle-class individuals where money can be deposited for a fixed period and returned with interest. These schemes are designed to be completely risk-free and safe. SBI offers several deposit schemes such as Fixed Deposit, Recurring Deposit, Tax Saving FD, Annuity Deposit, SBI Amrit Kalash, SBI Amrit Vrishti, Senior Citizen Scheme, etc.
Among these, one of the most popular schemes is the SBI Amrit Vrishti Fixed Deposit Scheme. In today’s article, we will discuss this scheme in detail.
What is the SBI Amrit Vrishti Scheme?
The SBI Amrit Vrishti Scheme is a special tenure-based fixed deposit plan of the State Bank of India. It has been re-introduced from 15 April 2025 and comes with a 444-day tenure. This scheme offers high interest rates:
- 7.05% for general customers
- 7.55% for senior citizens
- 7.65% for super senior citizens
You can invest from ₹10,000 to ₹3 crore in this scheme. It is completely safe, risk-free, and a reliable savings option. You can apply both online and offline, and get a good lump-sum return at maturity.
Key Features of SBI Amrit Vrishti Scheme
- Tenure: 444 days
- Interest Rates:
- General customers: 7.05% (per year)
- Senior citizens (60+): 7.55%
- Super senior citizens (80+): 7.65%
- Minimum deposit: ₹10,000
- Maximum deposit: Up to ₹3 crore
- Eligible customers: General, Senior Citizens, Super Senior Citizens, NRIs (NRE & NRO accounts)
- Premature withdrawal charges:
- Up to ₹5 lakh – 0.50% penalty
- ₹5 lakh to ₹3 crore – 1% penalty
Example of SBI Amrit Vrishti Scheme
If you deposit ₹1,00,000 for 444 days at 7.05% (general rate):
- Approx interest earned: ₹8,500
- Total return: ₹1,08,500 (approx)
(The actual amount may vary slightly depending on SBI’s calculation method.)
How to apply for SBI Amrit Vrishti Scheme
Online Application
Using SBI Net Banking
- Visit onlinesbi.sbi
- Login with your User ID & Password
- Go to Fixed Deposit > e-TDR/e-STDR
- Select 444-day tenure
- Choose Amrit Vrishti Scheme
- Enter amount & required details
- Submit the form and receive confirmation receipt
Using YONO SBI App
- Open YONO SBI app and log in
- Go to Investments > Fixed Deposits
- Click Create New Deposit
- Select 444-day tenure
- Enter deposit details and submit
Offline Application
- Visit your nearest SBI branch
- Ask for the Amrit Vrishti Fixed Deposit Scheme form
- Fill in required details
- Submit documents
- Deposit amount (cash/cheque/NEFT)
- Receive the deposit receipt after verification
Documents Required
- Aadhaar / Voter ID / PAN / Driving License (ID proof)
- Aadhaar / Electricity bill / Phone bill / Bank statement (Address proof)
- Passport-size color photo
- Existing SBI savings account number (if any)
- Age proof (Birth certificate / Pension order – for senior citizens)
- For NRIs: Passport, Visa copy, NRE/NRO account proof
- Application form
Why is the SBI Amrit Vrishti Scheme important?
- High interest rate for a fixed tenure (444 days)
- Extra benefits for senior and super-senior citizens
- Completely risk-free and backed by SBI
- Guaranteed lump-sum return at maturity
- Minimum deposit only ₹10,000
- Easy online & offline application
- Premature withdrawal allowed with charges
- No monthly deposit required—just one-time investment
SBI Contact Information
- Toll-free Customer Care:
1800 1234 / 1800 2100 / 1800 11 2211 / 1800 425 3800 - Email: contactcentre@sbi.co.in
- Website: sbi.co.in
- App: YONO SBI (Android / iOS)
- Branch: Visit your nearest SBI branch
- Social Media:
- Facebook: @StateBankOfIndia
- Twitter: @TheOfficialSBI
- Instagram: @theofficialsbi
Conclusion
The SBI Amrit Vrishti Scheme is a safe, reliable, and high-interest FD plan designed to secure the financial future of both general and senior citizens. With its fixed 444-day tenure, attractive returns, easy accessibility, and risk-free nature, this scheme becomes an excellent option for those looking for guaranteed savings and financial stability.
