These days, banks are offering special fixed deposit schemes to attract customers. Indian Bank, IDBI Bank and SBI’s FD schemes are offering 6.60% to 6.75% interest to general customers and 7.10% to 7.45% interest to senior and super senior citizens.
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Special FD Schemes: Many banks are offering special fixed deposit schemes for customers. Investing in these schemes gives more interest than normal FDs. Indian Bank and IDBI Bank are currently running special FDs of 444 days, 555 days and 700 days. SBI’s Amrit Vrishti Scheme is also available for a period of 444 days. In these schemes, senior and super senior citizens get more interest than normal customers. These schemes are going to close next month in September. So if you want to take advantage of them, do it soon.
What is Special FD
Special FDs are those fixed deposits whose duration is usually different like 444 days, 555 days or 700 days. Usually higher interest rates are given on them. Senior and super senior citizens get the benefit of more interest in this. Banks bring these FDs for a limited time and investment can be made in it till the fixed date.
Special FD Schemes Comparison Table (Interest Rates and Tenure)
| Banks / Schemes | Duration (days) | Common customers | Senior Citizen | Super Senior Citizen | Last Date |
|---|---|---|---|---|---|
| Indian Bank (Ind Secure FD) | 444 | 6.70% | 7.20% | 7.45% | 30 September 2025 |
| Indian Bank (Ind Green FD) | 555 | 6.60% | 7.10% | 7.35% | 30 September 2025 |
| IDBI Bank (Utsav FD) | 444 | 6.70% | 7.20% | , | 30 September 2025 |
| IDBI Bank (Utsav FD) | 555 | 6.75% | 7.25% | , | 30 September 2025 |
| IDBI Bank (Utsav FD) | 700 | 6.60% | 7.10% | , | 30 September 2025 |
| IDBI Bank (Chiranjivi FD) | Special (Super Senior) | , | , | 7.40% | 30 September 2025 |
| SBI (Amrit Vriddhi FD) | 444 | 6.60% | 7.10% | 7.20% | New deadline to be announced soon (earlier it was 1 September) |
Indian Bank’s Special FD
General customers get 6.70 percent interest on Indian Bank’s 444-day Ind Secure scheme. Senior citizens are given 7.20 percent and super senior citizens are given 7.45 percent interest. On the other hand, the interest rate for general customers on the 555-day Ind Green scheme is 6.60 percent while senior citizens get 7.10 percent and super senior citizens get 7.35 percent interest. The last date for both the schemes is 30 September 2025.
IDBI Bank’s Utsav FD
IDBI Bank’s Utsav FD is available in 444 days, 555 days and 700 days. General customers get 6.70 percent interest on 444-day FD and senior citizens get 7.20 percent interest. The interest rate on the 555-day scheme is 6.75 and 7.25 percent respectively. In the 700 day scheme, 6.60 percent interest is given to general customers and 7.10 percent interest is given to senior citizens. There is a separate Chiranjeevi FD for super senior citizens in which maximum interest of 7.40 percent is given. The last date for investment in these schemes is 30 September 2025.
SBI’s Amrit Vrishti Scheme
General customers get 6.60 percent interest on State Bank of India’s 444-day Amrit Vrishti FD. Senior citizens get 7.10 percent and super senior citizens get 7.20 percent return. The last date for this scheme was earlier September but now the bank has extended it. However, the new deadline has not been announced at the moment.
