SBI FD Scheme: Get Huge Returns on ₹3.5 Lakh Fixed Deposit with SBI’s Special Plan

Investing in a fixed deposit (FD) is one of the safest and most reliable ways to grow your savings. The State Bank of India (SBI), India’s largest public sector bank, offers a range of FD schemes, including a special Amrit Vrishti Fixed Deposit Scheme with lucrative returns. If you have ₹3.5 lakh to invest, this scheme could be a great option to secure guaranteed returns. Let’s break down all the details in a simple and easy-to-understand manner.

SBI FD Scheme

SBI’s Amrit Vrishti Fixed Deposit Scheme is an excellent investment choice for those looking to earn higher returns with zero risk. With an interest rate of up to 7.75%, a secure investment environment, and easy accessibility, this FD plan is a great option for both general investors and senior citizens. If you are looking for a safe, high-yield investment option, this SBI FD scheme is worth considering.

SBI FD Scheme: What is the SBI Amrit Vrishti FD Scheme?

The Amrit Vrishti FD Scheme is a special fixed deposit plan launched by SBI to offer customers an attractive interest rate on their savings.

Key Features of the Amrit Vrishti FD Scheme:

1. Fixed Tenure: 444 days
2. High-Interest Rate: 7.25% for general public, 7.75% for senior citizens
3. Guaranteed Returns: Secure investment with predictable earnings
4. Flexible Investment Options: Available for both online and offline investment
5. Limited Period Offer: Valid for investments made until March 31, 2025

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SBI FD Scheme: How Much Can You Earn on a ₹3.5 Lakh FD Investment?

If you invest ₹3,50,000 in SBI’s Amrit Vrishti FD, here’s how much you will get upon maturity:

For General Public (7.25% p.a.)

1. Interest Earned: ₹31,967.38
2. Maturity Amount: ₹3,81,967.38

For Senior Citizens (7.75% p.a.)

1. Interest Earned: ₹34,254.65
2. Maturity Amount: ₹3,84,254.65

Comparison with Regular SBI FD Scheme

SBI offers different FD schemes for various tenures. Here’s how the Amrit Vrishti FD Scheme compares with standard FD options:

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Why Choose SBI FD Scheme?

SBI Fixed Deposits are one of the most preferred investment options due to their safety, attractive interest rates, and ease of accessibility. Here are some key benefits:

1. Government-Backed Security: SBI is a government-owned bank, making it one of the safest places to invest.
2. Guaranteed Returns: Unlike stock markets, FDs provide fixed interest with no risk of capital loss.
3. Flexible Payout Options: Choose between monthly, quarterly, or annual interest payouts.
4. Premature Withdrawal Facility: SBI allows premature withdrawals with a small penalty.
5. Loan Against FD: You can avail up to 90% of your FD amount as a loan.

How to Open an SBI FD Scheme Online?

Opening an SBI Fixed Deposit online is a hassle-free process. Follow these simple steps:

1. Log in to SBI Net Banking – Visit onlinesbi.com and enter your credentials.
2. Select Fixed Deposit Option – Navigate to Deposit Schemes > Fixed Deposit.
3. Choose FD Type – Select Amrit Vrishti FD from the list.
4. Enter Investment Amount – Input ₹3.5 lakh or your preferred amount.
5. Select Tenure (444 days) – Ensure the correct tenure is selected.
6. Choose Payout Option – Opt for monthly, quarterly, or cumulative payout.
7. Review and Confirm – Check the details and confirm your FD investment.

Alternatively, you can also invest through the SBI YONO App or by visiting your nearest SBI branch.

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SBI FD Scheme (FAQs)