SBI Amrit Kalash Scheme: Special FD Details, Last Date & Benefits
01 July 2025 · Sachin Gadekar
Everything you need to know about SBI Amrit Kalash FD Scheme – features, interest rates, last date, eligibility and whether you should invest.
Introduction
Introduction
When it comes to safe and secure investments, a fixed deposit (FD) remains one of the top choices for many Indians. To make FDs more attractive, banks sometimes launch special FD schemes with higher interest rates for a limited period. One such popular scheme is the SBI Amrit Kalash Scheme.
In this detailed guide, Ultra explains what is SBI Amrit Kalash Scheme, its FD interest rates, last date, tenure, benefits, and whether it’s the right investment option for you.
What is SBI Amrit Kalash Scheme?
SBI Amrit Kalash is a special fixed deposit scheme offered by the State Bank of India (SBI). This scheme is designed to offer higher interest rates than regular FDs for a specific period.
Key Highlights:
Special Tenure: 400 days FD.
Higher Interest Rate: Attractive FD rates up to 7.10% p.a. for general customers and 7.60% p.a. for senior citizens.
Offer Period: Limited time. SBI extends it periodically based on demand.
SBI Amrit Kalash Scheme Last Date
The latest official update says the SBI Amrit Kalash FD Scheme is open for investment till March 31, 2025.
Earlier, the scheme’s last date was extended multiple times due to its popularity. Investors should always check SBI’s official website or visit their nearest branch to confirm the current last date before booking.
Pro Tip: Book before the Amrit Kalash SBI last date to lock in the special rate.
SBI Amrit Kalash FD Scheme: Tenure & Interest Rate
| Particulars | Details |
|---|---|
| Scheme Name | SBI Amrit Kalash |
| Tenure | 400 Days |
| Interest Rate (General) | 7.10% p.a. |
| Interest Rate (Senior Citizens) | 7.60% p.a. |
| Minimum Investment | ₹1,000 |
| Maximum Investment | No upper limit (as per bank norms) |
| Premature Withdrawal | Allowed with penalty |
| Loan Facility | Available against FD |
Who Can Invest in SBI Amrit Kalash?
Eligible Investors:
Resident Individuals
Senior Citizens
NRE and NRO accounts are not eligible
Hindu Undivided Families (HUFs)
How to Open SBI Amrit Kalash FD
Opening an SBI Amrit Kalash FD is simple and can be done online or offline:
SBI Net Banking / YONO App:
Login to your SBI internet banking or YONO SBI app.
Go to ‘Deposits’ section and select ‘Special Term Deposit’.
Choose ‘Amrit Kalash’ scheme.
Enter amount, tenure (400 days) and submit.
Branch Visit:
Visit your nearest SBI branch.
Fill the FD form mentioning ‘Amrit Kalash’.
Submit KYC documents if required.
Deposit the amount.
SBI Amrit Kalash vs Regular FD
| Feature | SBI Amrit Kalash | Regular SBI FD |
|---|---|---|
| Tenure | Fixed 400 Days | Flexible 7 days to 10 years |
| Interest Rate | Higher than regular FD | Lower compared to special FD |
| Eligibility | Limited period offer | Available anytime |
| Premature Withdrawal | Allowed | Allowed |
Benefits of SBI Amrit Kalash FD
Higher Returns: Earn higher interest than normal FDs.
Safe Investment: Backed by India’s largest public sector bank.
Flexible Booking: Can be booked online or offline easily.
Loan Facility: Get a loan against your FD if needed.
Senior Citizen Benefit: Extra 50 bps for senior citizens.
Should You Invest in SBI Amrit Kalash FD?
If you are looking for:
A safe, fixed income option with better returns than a standard FD.
Short-term parking for surplus funds.
Guaranteed returns with low risk.
Then SBI Amrit Kalash Scheme can be a good choice.
However, remember that interest earned is taxable. For longer investment horizons, you may compare with other options like debt funds, tax-free bonds or diversified portfolios on platforms like Ultra.
How to Check SBI Amrit Kalash FD Status
You can check your FD status online:
Login to SBI Net Banking or YONO App.
Go to ‘Deposits’ > ‘Term Deposits’.
See your active deposits, maturity amount and date.
Or, visit your branch.
FAQs on SBI Amrit Kalash Scheme
Q1: What is SBI Amrit Kalash Scheme? A: It is a special FD by SBI with a tenure of 400 days and a higher interest rate for a limited period.
Q2: What is the SBI Amrit Kalash Scheme last date? A: As per latest updates, March 31, 2025 is the last date to invest.
Q3: Can I withdraw SBI Amrit Kalash FD early? A: Yes, premature withdrawal is allowed with a penalty as per SBI rules.
Q4: Is the SBI Amrit Kalash FD scheme good? A: It’s a good short-term safe option for conservative investors wanting higher returns than regular FDs.
Q5: How to apply for Amrit Kalash SBI FD? A: Apply online through SBI net banking/YONO or visit your nearest branch.
Final Thoughts
SBI Amrit Kalash Scheme is a smart way for depositors to earn more on their idle savings for a fixed time. If you’re looking for safe short-term gains, this could be your pick.
For diversified returns, explore other low-risk and alternative investment options at Ultra. Stay smart, stay invested.