KEY HIGHLIGHTS
- SBI has revived its ‘Amrit Vrishti’ FD scheme with new interest rates.
- Senior citizens now get up to 7.55%, while super seniors get 7.65%.
- Revised rates may slightly impact returns but still remain solid for safe investors.
If you were waiting for a safe, no-nonsense FD option, SBI just opened the door again.
The bank has relaunched its ‘Amrit Vrishti’ fixed deposit scheme, and the new rates kick in from 15 April 2025.
The earlier version had closed on 31 March 2025, but thanks to strong demand—especially from seniors—SBI has revived it with a fresh rate card.
Summary Table: New Amrit Vrishti vs Earlier Scheme
| Category | Earlier Rate | Revised Rate | Difference |
|---|---|---|---|
| Senior Citizens | 7.75% | 7.55% | -0.20% |
| Super Senior Citizens | 7.85% (approx) | 7.65% | -0.20% |
| General Public | 7.25% | 7.05% | -0.20% |
| FD Tenure | 444 days | 444 days | No change |
What’s New in the Amrit Vrishti FD?
The scheme still keeps its unique 444-day tenure, but the rates have been recalibrated.
- Senior citizens: 7.55%
- Super senior citizens: 7.65%
- General public: 7.05%
Yes, there’s a 20 basis point cut from last time.
This is likely because of the recent repo rate cooldown, pushing banks to rebalance deposit costs.
SBI Tweaks Regular FD Rates Too
Along with Amrit Vrishti, SBI has also quietly trimmed rates across some popular FD slabs:
- 1 year to <2 years: Now 7.20% (earlier 7.30%)
- 2 years to <3 years: Now 7.40% (earlier 7.50%)
Banks are adjusting to the broader interest-rate cycle, so these minor dips aren’t surprising.
Updated FD Rates for Senior Citizens (Effective 15 April 2025)
Here’s the full rate sheet for seniors who prefer stable, paisa-vasool returns:
- 7–45 days: 4.00%
- 46–179 days: 6.00%
- 180–210 days: 6.75%
- 211 days–<1 year: 7.00%
- 1–<2 years: 7.20%
- 2–<3 years: 7.40%
- 3–<5 years: 7.25%
- 5–10 years: 7.50%
No Deadline This Time
The biggest relief?
There’s no end date mentioned for applying to the revived ‘Amrit Vrishti’ FD.
So investors don’t have to rush—they can plan calmly.
Why SBI Revived This FD
Let’s be honest: India’s senior population prefers safety over high risk.
SBI knows this and is aiming to boost deposits by offering a reliable, comforting option—even if rates are a tad lower than before.
And yes, the market responded too.
At 1:11 PM, SBI’s share price was up 3.04%, trading at ₹795.20.
Frequently Asked Questions
1. Is the Amrit Vrishti FD available for all customers?
Yes, but senior and super-senior citizens get the highest benefits.
2. Can I break the FD before 444 days?
Yes, but standard SBI premature withdrawal rules and penalties will apply.
3. Is there a minimum deposit amount?
SBI usually starts FDs from ₹1,000, but branch-specific conditions may apply.