Calculate SBI Amrit Vrishti FD returns, enter your deposit amount, and choose from the ‘General’ (for individuals less than age 60) or ‘Senior Citizen’ (for age 60 & above) option to check the SBI 444 days interest & maturity amount.
SBI Amrit Vrishti Scheme Calculator
The SBI has introduced a new fixed deposit scheme called Amrit Vrishti. To estimate the maturity amount of your investment, you can use the SBI Amrit Vrishti Scheme Calculator by simply inputting the principal amount, interest rate, and tenure. Now the SBI Amrit Vrishti FD interest rate is 6.6% p.a. for the general public & 7.35% p.a. for senior citizens.
The SBI Amrit Vrishti scheme offers special interest rates for a fixed tenure of 444 days. Initially, from July 15, 2024, to March 31, 2025, the scheme offered interest rates of 7.25% p.a. for general customers and 7.75% p.a. for senior citizens. The scheme was closed on March 31, 2025, and later re-initiated from April 15, 2025, with revised FD interest rates as shown below:
| Period | General Public Interest Rate (p.a.) | Senior Citizen Interest Rate (p.a.) |
|---|---|---|
| July 15, 2024 – March 31, 2025 | 7.25% | 7.75% |
| April 15 – June 15, 2025 | 6.85% | 7.35% |
| June 15, 2025 onwards | 6.60% | 7.35% |
| Dec 15, 2025 onwards | 6.45% | 7.35% |
Select 444 days as the deposit period while opening an FD with SBI, and the scheme will be automatically applied.
SBI has revised the interest rate of the Amrit Vrishti FD Scheme. Effective from Dec 15, 2025, the SBI Amrit Vrishti interest rate is 6.45% p.a. for general public.
Highlights of SBI Amrit Vrishti FD Scheme
The table below shows the overview of the SBI Amrit Vrishti FD Scheme:
| Feature | Details |
|---|---|
| Scheme Name | SBI Amrit Vrishti FD Scheme |
| Availability Period | 15.07.2024 to 31.03.2025 Re-initiated since April 15, 2025 |
| Tenure | 444 days |
| Eligibility | Domestic and NRI Retail Term Deposits (up to Rs. 3 crore) |
| Interest Payment Options | Monthly, quarterly, half-yearly, or on maturity |
| Premature Withdrawal | Penalties apply for general public, not for staff and pensioners |
SBI Amrit Vrishti FD Scheme Interest Rate
The SBI Amrit Vrishti FD Scheme offers competitive interest rates for a fixed tenure of 444 days.
| Customer Type | Interest Rate (% p.a.) |
|---|---|
| General Public | 6.45% |
| Senior Citizens (Additional 0.5%) | 7.35% |
* effective from June 15, 2025, Amrit Vrishti FD interest is 6.6% and for senior citizen it is 7.35% p.a.
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Steps to Use SBI Amrit Vrishti FD Scheme Calculator
Enhance your financial planning with the SBI Amrit Vrishti scheme using the SBI FD Interest Calculator. This user-friendly tool allows you to determine your fixed deposit maturity amount quickly.
Simply follow these easy steps to gain valuable insights into your investment:
Step 1: Enter Your Investment Amount: Start by inputting the total amount you wish to invest.
Step 2: For the SBI Amrit Vrishti scheme, the interest rate is fixed at 6.6% p.a. (General Public) & 7.35% p.a. for senior citizens.
Step 3: The interest rate for SBI Amrit Vrishti Scheme has varied multiple times since launch, so check the interest rate of your choice accordingly.
Once the details are added, the maturity date, interest amount, and maturity amount will be displayed.
*Note: The tenure for this scheme is fixed at 444 days.
**Note: The SBI Amrit Vrishti calculator provided above is for quick estimation of your FD returns. The interest rates and fd calculations are subject to changes as per the bank rules. Contact the bank for more details.
Calculate SBI Amrit Vrishti FD Scheme Maturity Amount
You can calculate the maturity amount of the SBI Amrit Vrishti FD Scheme manually. The formula for calculating the maturity amount (A) of SBI Fixed Deposit is given by:
A = P(1 + r/n)^(nt)}
where,
A is the maturity amount,
P is the principal amount,
r is the annual interest rate,
n is the number of times interest is compounded per year,
t is the tenure in years.
Example 1: For General Public (6.6% p.a.)
Let’s assume you invest ₹2 lakhs on your SBI Amrit Vrishti FD. Here is the calculation for the maturity amount:
Given:
- Principal Amount (P) = ₹2,00,000
- Interest Rate (R) = 6.6% per annum (for general public)
- Tenure (T) = 444 days = 1.216 years (approx.)
- Compounding Frequency (N) = 4 (quarterly)
Formula: A = P * (1 + R/N)^(N*T)
Calculation:
A = 200000 * (1 + 0.066/4)^(4*1.216) A = 200000 * (1.018125)^4.864 A ≈ ₹216,817.
Therefore, the maturity amount for a ₹2,00,000 investment in the SBI Amrit Vrishti FD scheme for a general customer would be approximately ₹216,817.
Example 2: For Senior Citizens (7.75% p.a.)
Let’s calculate the maturity amount for a senior citizen investing ₹2 lakhs in the SBI Amrit Vrishti FD.
Given:
- Principal Amount (P) = ₹2,00,000
- Interest Rate (R) = 7.35% per annum (for senior citizens)
- Tenure (T) = 444 days = 1.216 years (approx.)
- Compounding Frequency (N) = 4 (quarterly)
Formula:
A = P * (1 + R/N)^(N*T)
Calculation:
A = 200000 * (1 + 0.0735/4)^(4*1.216) A = 200000 * (1.019375)^4.864 A ≈ ₹218,797.
Therefore, the maturity amount for a ₹200,000 investment in the SBI Amrit Vrishti FD scheme for a senior citizen would be approximately ₹218,797.
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SBI 444 Days FD Interest & Maturity Amount
The following table illustrates the potential maturity amounts for different investment values in the SBI Amrit Vrishti FD scheme for both general customers at an interest rate of 6.6% and senior citizens at an interest rate of 7.35% with a tenure of 444 days.
| Deposit Amount (₹) | Maturity Amount for General Public (6.6%) (₹) | Maturity Amount for Senior Citizens (7.35%) (₹) |
|---|---|---|
| 10,000 | ₹10,829 | ₹10,926 |
| 20,000 | ₹21,658 | ₹21,853 |
| 50,000 | ₹54,144 | ₹54,632 |
| 1,00,000 | ₹1,08,289 | ₹1,09,264 |
| 2,00,000 | ₹2,16,577 | ₹2,18,528 |
| 3,00,000 | ₹3,24,866 | ₹3,27,792 |
| 4,00,000 | ₹4,33,154 | ₹4,37,056 |
| 5,00,000 | ₹5,41,443 | ₹5,46,320 |
| 6,00,000 | ₹6,49,732 | ₹6,55,584 |
| 7,00,000 | ₹7,58,020 | ₹7,64,848 |
| 8,00,000 | ₹8,66,309 | ₹8,74,112 |
| 9,00,000 | ₹9,74,597 | ₹9,83,376 |
| 10,00,000 | ₹10,82,886 | ₹10,92,640 |
As evident from the table, the SBI Amrit Vrishti FD scheme offers steady growth on your investments. Higher principal amounts naturally lead to higher maturity values. It’s essential to consider individual financial goals and risk tolerance when deciding on the investment amount.
Note: For precise calculations, it’s recommended to use an online FD calculator.
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Benefits of Using SBI Amrit Vrishti FD Scheme Calculator
An SBI Amrit Vrishti FD scheme calculator offers several advantages:
- Quick and Accurate Calculations: Instantly determine your potential earnings without manual calculations.
- Time-Saving: Avoids complex formulas and calculations.
- Decision Making: Helps compare different investment amounts and understand the impact on returns.
- Financial Planning: Assists in setting financial goals based on expected returns.
- Clarity: Provides a clear overview of your investment and its maturity value.
- Accessibility: Available online, making it convenient to use.
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