SBI Amrit Kalash FD 2025: Double Your Money in Just 400 Days? Earn Great Returns with This SBI Scheme

If you’re looking for a safe, short-term investment with guaranteed returns, this scheme is worth considering before it expires on March 31, 2025.

By Praveen Singh
Published on
SBI Amrit Kalash FD 2025: Double Your Money in Just 400 Days? Earn Great Returns with This SBI Scheme
SBI Amrit Kalash FD 2025

The State Bank of India (SBI) Amrit Kalash Fixed Deposit (FD) 2025 has caught the attention of investors looking for a safe and lucrative investment opportunity. With claims that it could potentially double your money in just 400 days, many are eager to understand whether this scheme is as rewarding as it sounds.

In this article, we break down everything you need to know about the SBI Amrit Kalash FD, including its interest rates, benefits, eligibility, and how it compares with other investment options. Let’s dive in!

SBI Amrit Kalash FD 2025

FeatureDetails
Scheme NameSBI Amrit Kalash FD
Duration400 days
Interest Rate7.10% (General), 7.60% (Senior Citizens)
Minimum Deposit₹1,000
Maximum DepositNo Upper Limit
TaxabilityTax Deducted at Source (TDS) applies
AvailabilityUntil March 31, 2025
Official WebsiteSBI Official Website

The SBI Amrit Kalash FD 2025 is a fantastic investment for those looking for higher returns than regular FDs with minimal risk. While it won’t double your money in 400 days, it still offers one of the best FD rates available today.

What is SBI Amrit Kalash FD 2025?

The SBI Amrit Kalash FD is a special fixed deposit scheme that offers an attractive interest rate for a fixed tenure of 400 days. It is designed for both individual and institutional investors, ensuring higher returns than regular savings accounts.

However, does this scheme really double your money in 400 days? Let’s find out!

Understanding the Interest Rates

Investor CategoryInterest Rate
General Public7.10% p.a.
Senior Citizens7.60% p.a.

Compared to traditional fixed deposits, these rates are significantly higher, making this scheme an attractive option for risk-averse investors.

Does It Really Double Your Money in 400 Days?

Many investors are curious if their investment will double within the given 400-day tenure. Let’s use the Rule of 72, a simple formula used to estimate when an investment will double:

Rule of 72 Formula: 72 ÷ Interest Rate = Years to Double Investment

  • For 7.10% interest, it would take: 72 ÷ 7.10 = 10.14 years
  • For 7.60% interest (senior citizens), it would take: 72 ÷ 7.60 = 9.47 years

Conclusion: The SBI Amrit Kalash FD will NOT double your money in just 400 days, but it still offers great returns in a short period.

see also: A Smart Investment Strategy for Maximizing Returns

Benefits of SBI Amrit Kalash FD 2025

1. Higher Interest Rates

This FD offers higher rates than standard SBI FDs, making it a better option for short-term investors.

2. Safe & Secure Investment

Being backed by India’s largest public sector bank, this scheme is a safe option for conservative investors.

3. Flexibility & Easy Liquidity

  • Investors can prematurely withdraw their deposit, subject to nominal penalties.
  • Loan facility available against the FD.

4. Available for Both Individuals & Businesses

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Anyone can invest, including individuals, senior citizens, NRIs, and businesses.

5. Auto-Renewal Option

If not withdrawn, the FD can be automatically renewed at the prevailing interest rate.

How to Invest in SBI Amrit Kalash FD 2025

Offline Method (Visiting SBI Branch)

  1. Visit the nearest SBI branch.
  2. Fill out the FD application form.
  3. Submit required KYC documents (Aadhaar, PAN, Address Proof).
  4. Deposit the amount and get FD receipt.

Online Method (SBI Net Banking/App)

  1. Log in to SBI Net Banking.
  2. Navigate to Fixed Deposits section.
  3. Choose Amrit Kalash FD (400 Days).
  4. Enter the deposit amount and select tenure.
  5. Confirm and complete the payment.

see also: SBI Amrit Kalash FD: How Much Benefit Will Investors Get?

How Does SBI Amrit Kalash FD Compare to Other Investments?

Investment TypeInterest Rate (Approx.)Risk Level
SBI Amrit Kalash FD7.10% – 7.60%Low
Regular SBI FD5.75% – 6.50%Low
Post Office Time Deposit6.90%Low
PPF (Public Provident Fund)7.10% (15-year lock-in)Low-Medium
Stock Market (Equities)12%-15% (Variable)High

Best For: Investors who want risk-free, guaranteed returns with SBI’s credibility.

SBI Amrit Kalash FD 2025 FAQs

Is there a minimum deposit amount?

Yes, the minimum deposit amount is ₹1,000.

Can NRIs invest in this FD?

Yes, Non-Resident Indians (NRIs) can invest in this scheme under NRO accounts.

What happens if I withdraw before 400 days?

There will be a penalty on interest rates for premature withdrawal.

Is this FD tax-free?

No, TDS (Tax Deducted at Source) applies as per IT rules.

Is auto-renewal available?

Yes, you can choose auto-renewal during account opening.

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