State Bank of India (SBI), the country's largest public sector lender, operates a range of fixed deposit (FD) options engineered to provide secure and guaranteed returns for its vast customer base. Among these financial instruments, the 444-day special tenure scheme, marketed as Amrit Vrishti, has emerged as a highly preferred choice for conservative investors across India. For retail term deposits under Rs 3 crore, the bank offers structured interest rates tailored across different age categories, including general depositors, senior citizens, and super senior citizens. This fixed-term deposit product delivers competitive yields without exposing principal capital to market volatility or economic uncertainty.
Detailed Breakdown of 444-Day FD Interest Rates
For domestic term deposits under Rs 3 crore committed for a 444-day tenure, State Bank of India provides annual interest rates ranging between 6.45% and 7.05%. The specific interest slabs structured by age bracket are as follows
- General Citizens (Up to 59 Years): Retail depositors up to 59 years of age receive an annual interest rate of 6.45% on their 444-day investment.
- Senior Citizens (Aged 60 to 79 Years): Investors within the 60 to 79 age group earn an annual return of 6.95% on this tenure.
- Super Senior Citizens (Aged 80 Years and Above): Elderly depositors aged 80 years or older receive the highest annual yield of 7.05% under this specialized deposit plan.
Additional Interest Benefits for Elderly Depositors
To enhance financial stability for senior citizens, State Bank of India extends a premium of 0.50% (50 basis points) over the base rate offered to general customers. Furthermore, super senior citizens aged 80 and above gain an additional 0.10% over the senior citizen tier. Consequently, super senior depositors earn a total premium of 0.60% compared to standard retail depositors seeking risk-free capital growth and steady interest payouts.
Rates Effective Since December 2025 Revision
These interest rates follow the bank's last comprehensive revision of domestic fixed deposit interest rates, which took place in December 2025. The yields offered on the 444-day Amrit Vrishti scheme have remained continuously in effect since that December 2025 update without further alterations or downward adjustments for existing depositors.
SBI Posts Q1 Consolidated Net Profit of Rs 24,113 Crore
In addition to its retail deposit structure, State Bank of India recently published its official financial results for the first quarter (April to June quarter) of the financial year 2026-27. The banking giant logged a 13.73 percent year-on-year increase in its consolidated net profit, reaching Rs 24,113 crore. By comparison, SBI registered a net profit of Rs 21,201.47 crore in the corresponding June quarter of FY 2025-26 and Rs 19,642.87 crore in the preceding quarter ended March 2026, demonstrating sustained momentum in earnings growth and core operational income.
Disclaimer: This overview is provided strictly for informational purposes and does not constitute financial or investment advice. Investors should consult a certified financial advisor before finalizing any investment decisions.
