State Bank of India (SBI) has always been bringing attractive investment plans to its customers. In 2025, SBI’s 444 days and 440 days’ schemes remain a topic of discussion. Both of these are Fixed Deposit (FD) plans, which give customers a chance to invest with safe and high interest rates. In this article, we will give complete information about both these schemes so that you can decide which scheme is better for you.
SBI 444 Day FD Scheme: Amrit Varsha Yojana
The SBI Amrit Vrishti FD scheme is a special Fixed Deposit Scheme, which is available from 15 July 2024 to 31 March 2025. The scheme is designed for those who want to invest at high interest rates for 444 days.
Brief description of the scheme
| Speciality | Description |
| Name of the scheme | SBI Amrit Vrishti FD |
| Duration | 444 days |
| Interest rate (general customer) | 7.25% per year |
| Interest rate (senior citizen) | 7.75% per year |
| Minimum investment amount | ₹ 1,000 |
| Maximum investment amount | Less than ₹ 2 crore |
| Premature withdrawal | Available (applied fee) |
| Validity of the scheme | By 31 March 2025 |
Characteristics and advantages
- The scheme provides high interest rates for both general customers and senior citizens.
- The minimum investment amount is only ₹ 1,000, so that small investors can also participate in it.
- Interest Payment Options: On monthly, quarter or maturity.
- Premature withdrawal facility is available (some fees will apply).
- Senior citizens get an additional 0.50% interest.
SBI 440 Days FD Scheme: Amrit Kalash Yojana
SBI Amrit Kalash FD scheme is another special Fixed Deposit Scheme, designed for 440 days. It is also a limited period plan, which is available till 31 March 2025.
Brief description of the scheme
| Speciality | Description |
| Name of the scheme | SBI Amrit Kalash Fd |
| Duration | 440 days |
| Interest rate (general customer) | 7.10% per year |
| Interest rate (senior citizen) | 7.60% per year |
| Minimum investment amount | ₹ 1,000 |
| Maximum investment amount | Less than ₹ 2 crore |
| Premature withdrawal | Available (applied fee) |
| Validity of the scheme | By 31 March 2025 |
Characteristics and advantages
- This scheme also provides safe investment options.
- Senior citizens get additional interest benefits.
- Due to the minimum investment amount ₹ 1,000, people of every category can take it.
- Premature withdrawal facilities exist.
Comparison of both schemes
In the table below, both the schemes are compared:
| Speciality | SBI Amrit Vrishti FD (444 days) | SBI Amrit Kalash FD (440 days) |
| Duration | 444 days | 440 days |
| Interest rate for general customers | 7.25% | 7.10% |
| Interest rate for senior citizens | 7.75% | 7.60% |
| Minimum investment amount | ₹ 1,000 | ₹ 1,000 |
| Maximum investment amount | Less than ₹ 2 crore | Less than ₹ 2 crore |
| Premature withdrawal | Available (applied fee) | Available (applied fee) |
Which plan is better?
If you want to invest for a short time and want to get a high interest rate, SBI Amrit Vrishti FD (444 days) may be a better option for you. This scheme also provides higher interest rates to normal customers.
On the other hand, if you want to invest for a little short time and accept a little lower interest rate, you can choose SBI Amrit Kalash FD (440 days).
Keep important things in mind
- Both schemes are available only for limited time (till 31 March 2025).
- Penalty can be imposed on premature withdrawal:
- Up to ₹ 5 lakh: 0.50% penalty
- Over ₹ 5 lakh: 1% penalty
- Senior citizens always get a better interest rate.
conclusion
Both plans offer safe and attractive fixed Deposit options. Your choice depends on how long you want to invest and what are your preferences.
Disclaimer:
This article is written only for the purpose of giving information. Take special advice keeping in mind your needs and risk tolerance before any financial decision.
