State Bank of India (SBI) has once again rolled out its exclusive fixed deposit scheme — Amrit Vrishti, after it was discontinued on March 31, 2025. This move brings a golden opportunity for customers, especially senior citizens, to earn assured and attractive returns on their investments.

What is SBI Amrit Vrishti Scheme?

The Amrit Vrishti scheme is a special fixed deposit (FD) plan offered by SBI, designed with a unique tenure of 444 days. After its earlier closure at the end of the financial year, the scheme has now been revived and is active from April 15, 2025.

Revised Interest Rates

While the scheme has made a comeback, the interest rates have been slightly reduced this time. SBI has slashed the interest rate by 20 basis points, lowering the general interest rate from 7.25% to 7.05% for regular customers.

Exclusive Benefits for Senior and Super Senior Citizens

One of the key highlights of the Amrit Vrishti scheme is the preferential rates offered to senior citizens:

• Senior citizens are now entitled to an interest rate of 7.55%.

• Super senior citizens (generally those above 80 years) will receive an even better return of 7.65%.

This makes it an ideal choice for those looking for safe, steady, and superior returns post-retirement.

SBI's Standard FD Rates at a Glance

Apart from this scheme, SBI offers fixed deposit options ranging from 7 days to 10 years, with interest rates spanning from 3.50% to 7.50%, depending on the tenure and customer category.

Why You Should Consider This Scheme

The re-launch of the Amrit Vrishti FD is a strategic move by SBI to cater to risk-averse investors who prefer stability over market-linked instruments. With higher rates for senior citizens, it also strengthens the bank’s commitment to supporting India’s aging population.

If you’re planning to park your funds in a low-risk instrument with decent returns, this is your chance. Visit your nearest SBI branch or check their official website to invest in the Amrit Vrishti scheme today.