SBI FD Scheme : If you’re planning to invest your savings in a fixed deposit scheme, then this news might be of great benefit to you. As you may already know, fixed deposits (FDs) have long been one of the most trusted and preferred investment options for conservative investors in India. Offering safety, stability, and guaranteed returns, FDs are a go-to choice for individuals looking for secure growth of their capital. Now, the State Bank of India (SBI), the largest public sector bank in India, has launched some exclusive short-term FD schemes with high interest rates that could make you richer in just 400, 444, or 555 days.
Let’s take a detailed look at these newly launched FD schemes by SBI and IDBI Bank that promise attractive returns and can be a game-changer for short-term investors.
SBI FD Scheme : Why Fixed Deposits Remain a Safe and Profitable Investment
Fixed Deposits are considered one of the safest investment instruments available in the Indian financial market. Unlike market-linked instruments like stocks or mutual funds, FDs provide capital protection and assured returns. Your money remains safe from volatility, and you receive it back with interest after a predetermined period.
One of the major advantages of investing in fixed deposits is that they offer a fixed rate of return, which does not change with market fluctuations. Moreover, many banks are now offering special FD schemes with higher-than-usual interest rates for a limited period, especially targeting short- to medium-term investors. Senior citizens, in particular, enjoy an added advantage through additional interest rates offered on such schemes.
If you are looking for the best and safest investment option to grow your savings in a short span, these new FD schemes by SBI and IDBI Bank can be an ideal fit for your portfolio. These schemes are valid for investment only until August 31, 2025, so timely action is crucial.
SBI FD Scheme : SBI Amrit Kalash FD Scheme: 400-Day Deposit Plan
The State Bank of India has launched a special fixed deposit scheme known as the “Amrit Kalash FD Scheme”, aimed at providing high returns over a short investment tenure. This scheme comes with a maturity period of 400 days, making it an attractive option for short-term investors.
Under this scheme:
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Regular citizens are offered an interest rate of 7.10% per annum.
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Senior citizens receive a slightly higher interest rate of 7.60% per annum.
This scheme is perfect for individuals who want to earn a high return over a short period without taking on much risk. The Amrit Kalash FD offers better interest than most traditional FD plans and beats many other conservative investment tools in the market. It’s a limited-period scheme, so investors are advised to take action before the deadline to make the most of this opportunity.
SBI FD Scheme : SBI Amrit Vriddhi FD Scheme: 444-Day High-Interest Option
Another excellent short-term FD scheme by the State Bank of India is the “Amrit Vriddhi FD Scheme.” This scheme is specifically designed for a slightly longer investment period of 444 days and provides even better returns compared to the Amrit Kalash scheme.
The key interest rates under this scheme are:
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Regular citizens: 7.25% per annum
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Senior citizens: 7.75% per annum
These are very competitive interest rates, especially considering the tenure of just 444 days. This makes the Amrit Vriddhi FD scheme suitable for those looking to invest their surplus funds for a little over a year and enjoy higher interest earnings.
Like the Amrit Kalash FD, this scheme is also valid for investment only until August 31, 2025. Investors interested in earning higher returns in a risk-free environment should not miss this window of opportunity.
SBI FD Scheme : IDBI Bank Callable FD Scheme: 555-Day Long-Term Option
Apart from SBI, IDBI Bank is also offering a compelling FD scheme for investors who prefer a slightly longer investment horizon. The IDBI Bank’s “Callable Fixed Deposit Scheme” is structured for a tenure of 555 days, offering one of the highest interest rates in its category.
Under this scheme:
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Regular depositors get an interest rate of 7.40% per annum
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Senior citizens enjoy a higher rate of 7.90% per annum
This fixed deposit is a non-callable scheme, which means the investor agrees not to withdraw the money before maturity, in exchange for a higher interest rate. It is ideal for those who are certain they won’t need the funds for about one and a half years and want to maximize their earnings safely.
The IDBI Bank 555-Day FD scheme is also open for investment until August 31, 2025, making it another limited-period opportunity for savers looking to lock in high returns with safety.
Which Scheme Should You Choose?
Choosing the right FD scheme depends on your investment horizon and return expectations. Here’s a quick comparison to help you decide:
| Bank & Scheme | Tenure | Interest Rate (Regular) | Interest Rate (Senior Citizen) | Last Date to Invest |
|---|---|---|---|---|
| SBI Amrit Kalash | 400 Days | 7.10% | 7.60% | August 31, 2025 |
| SBI Amrit Vriddhi | 444 Days | 7.25% | 7.75% | August 31, 2025 |
| IDBI Callable FD | 555 Days | 7.40% | 7.90% | August 31, 2025 |
If you’re aiming for the highest returns and are willing to invest for a longer period, IDBI’s 555-day FD is a top contender. However, if you prefer shorter lock-in periods, SBI’s Amrit Kalash (400 days) or Amrit Vriddhi (444 days) provide very competitive interest rates with the added safety of being backed by India’s largest bank.
Conclusion: Invest Before August 31, 2025
All these schemes offer an excellent opportunity for individuals looking for safe, short-term investment options with attractive interest rates. As these are limited-period schemes, available only until August 31, 2025, it’s important to act quickly and invest before the deadline to secure these high rates.
Whether you’re a senior citizen looking to earn maximum returns from your retirement savings, or a salaried professional looking to park surplus funds securely for a short period, these fixed deposit schemes from SBI and IDBI are among the best investment options currently available.
Always remember to consult your financial advisor before making any investment decision to ensure that it aligns with your personal financial goals and risk appetite.