PaisaUpdate.com Special: Dosto, jab baat paisa invest karne ki aati hai, to hum sabse pehle “Suraksha” aur “Zyada Return” dekhte hain. SBI (State Bank of India) ki Amrit Vrishti Scheme aaj kal har jagah charcha mein hai. Maine khud is scheme ki poori detail nikaali hai taaki aapko kahin aur bhatakna na pade.
Is post mein hum jaanenge ki kya sach mein ye scheme 2026 mein aapke liye best hai?
SBI Amrit Vrishti Scheme Kya Hai? (Overview)
SBI Amrit Vrishti ek Fixed Deposit (FD) scheme hai jise bank ne khaas taur par un logo ke liye launch kiya hai jo kam samay mein (Short Term) zyada munaafa chahte hain. Is scheme ki sabse badi khasiyat iska fixed tenure aur high interest rate hai.
Key Highlights of Amrit Vrishti
| Feature | Details |
|---|---|
| Tenure (Samay) | 444 Days (Fixed) |
| Interest Rate (General) | 7.25% p.a. |
| Interest Rate (Senior Citizens) | 7.75% p.a. |
| Valid Upto | 31st March 2026 (Expected) |
| Investment Mode | Online (YONO/Net Banking) & Offline (Branch) |
SBI Amrit Vrishti Interest Rates 2026
Dosto, FD mein sabse zaroori hota hai Interest Rate. Amrit Vrishti mein aapko normal FD ke muqable lagbhag 0.50% se 0.75% tak zyada interest milta hai.
Senior Citizens: Hamare buzurgon ke liye SBI hamesha extra sochta hai. Unhe yahan seedha 7.75% ka tagda return mil raha hai.
Aam Nagrik (General Public): Agar aapki umar 60 saal se kam hai, to aapko 7.25% ka annual interest milega.
Amrit Vrishti Scheme ke Bemisaal Fayde
Is scheme mein paisa lagane ke 5 bade kaaran hain:
Sarkari Suraksha: Kyunki ye SBI hai, aapka ek-ek paisa 100% safe hai.
Fixed Tenure: Sirf 444 din (lagbhag 1 saal 2 mahine aur 19 din) ke liye paisa lock karna hota hai.
Loan Facility: Sabse badi baat, agar aapko beech mein paise ki zaroorat pad jaye, to aap is FD par Loan/Overdraft bhi le sakte hain.
Premature Withdrawal: Aap zaroorat padne par is FD ko beech mein band bhi kar sakte hain (halanki kuch penalty lagti hai).
Flexible Payout: Aap apna interest Monthly, Quarterly ya Half-yearly basis par apne account mein le sakte hain.
Eligibility: Kaun Khulwa Sakta hai ye Account?
SBI ne ise bahut simple rakha hai:
NRE/NRO accounts ke liye bhi ye suvidha uplabdha hai.
Koi bhi Indian Resident (Bharat ka niwasi).
Single ya Joint account (Pati-Patni milkar bhi khulwa sakte hain).
Minor (Bacchon ke naam par bhi parents khulwa sakte hain).
Investment Calculator: 444 Din baad Kitna Milega?
Chaliye ek example se samajhte hain ki agar aap ₹1,00,000 invest karte hain:
| Investment Amount | General Public (7.25%) | Senior Citizen (7.75%) |
|---|---|---|
| ₹1 Lakh | ~₹1,09,100 | ~₹1,09,800 |
| ₹5 Lakh | ~₹5,45,500 | ~₹5,49,000 |
| ₹10 Lakh | ~₹10,91,000 | ~₹10,98,000 |
(Note: Ye ek anumanit (estimated) calculation hai, TDS aur compounding frequency ke hisab se thoda badlav ho sakta hai.)
How to Apply: SBI Amrit Vrishti mein Invest Kaise Karein?
Aap 2 tarikon se isme apply kar sakte hain:
Method 1: SBI YONO App (Sabse Fast)
- YONO App login karein.
- ’Deposits’ section mein jayein.
- ’Open Fixed Deposit’ par click karein.
- Amount dalein aur tenure mein 444 Days select karein.
- ’Amrit Vrishti’ option ko choose karke submit kar dein.
Method 2: Bank Branch
Agar aap online mein comfortable nahi hain, to apni nazdiki SBI branch mein jayein, ek “FD Application Form” bharein aur wahan ke adhikari ko “Amrit Vrishti 444 Days” scheme ke baare mein kahein.
PaisaUpdate.com ki Rai (Conclusion)
Dosto, SBI Amrit Vrishti 2026 un logo ke liye sabse best hai jo Stock Market ke risk se darta hai aur ek safe return chahte hain. 7.75% tak ka interest ek sarkari bank mein milna bahut badi baat hai.
Hamari Advice: Agar aapke paas kuch extra paisa pada hai jise aap agle 1.5 saal tak touch nahi karenge, to ye scheme bilkul miss na karein. Lekin yaad rahe, ye limited period scheme hai, isliye 31 March 2026 se pehle invest karne ka sochein.
Sawal Jawab(FAQs)
Q1. Kya Amrit Vrishti mein 5 saal wali Tax Saving milti hai?
Nahi, ye 444 din ki scheme hai, ismein Section 80C ka tax benefit nahi milta.
Q2. Kya hum beech mein paise nikal sakte hain?
Haan, premature withdrawal allowed hai, lekin bank is par thoda charge (penalty) kaat-ta hai.
Q3. Minimum kitna paisa jama karna hoga?
Aap minimum ₹1,000 se shuru kar sakte hain aur maximum ki koi limit nahi hai.
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