Fixed Deposit New Rates: Which bank is giving the highest interest on 444 days FD, check the new interest rates before investing..

IDBI Utasav FD vs SBI Amrit Vrishti FD: Most people consider investing in FDs safe. Recently, after the Reserve Bank of India reduced the repo rate, most of the banks have reduced the interest rate on UPD. In such a situation, most investors are thinking about where to invest.

In such a situation, let us tell you that many banks are running FD schemes for a few days. In this series, SBI and IDBI Bank are offering a special FD scheme of 444 days. SBI's 444 days FD is named Amrit Vrishti, and IDBI Bank's FD is named Utsav (utsav scheme). Know here which bank is offering the best interest on a 444-day FD.

IDBI Bank Utsav FD-

IDBI Bank is offering attractive interest rates on a 444-day Utsav FD. General, NRE, and NRO categories are getting 6.85% interest per annum, while senior citizens will get 7.35%. The bank had cut interest rates on 12 June 2025. The last date to invest in this special FD is the 30th.

How much interest will be received on an investment of Rs 5 lakh?

A general investor will get a total of Rs 5,41,685 on investing Rs 5 lakh for 444 days. That is, a benefit of Rs 41,685 from interest. On the other hand, senior citizens will get an interest of Rs 44,720 on investing Rs 5 lakh.

SBI Amrit Vrishti-

SBI's scheme Amrit Vrishti is for 443 days. Here, the interest is less than that of IDBI. SBI is offering 6.60 percent interest to the general category on this scheme. At the same time, senior citizens are getting 7.10 percent interest.

How much interest will you get on investing Rs 5 lakh?

On investing Rs 5 lakh in SBI Bank's Amrit Vrishti scheme, a general investor gets a total of Rs 5,40,145 on maturity. That is, an interest of Rs 40,145 will be received. On the other hand, senior citizens will get Rs 5,43,230 on investing Rs 5 lakh for 444 days. They will get an interest of Rs 43,230.

Which scheme will get the most benefit?

There is not much difference between IDBI Utsav FD Scheme and SBI FD Scheme, but the interest rate in IDBI Utsav FD Scheme is slightly better, especially for senior citizens where it is giving Rs 1000-1500 more interest than SBI. This scheme of IDBI is open till 30 September 2025, which gives investors enough time to invest.

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