5 Special FDs Offering Up to 8.05% Interest Before March 31, 2025:

5 Special FDs Offering Up to 8.05% Interest Before March 31, 2025 To attract investors, most banks launched special fixed deposit (FD) schemes offering greater interest rates in recent years. These temporary offerings are an excellent chance for depositors, particularly senior citizens, to get more returns than through normal FDs. These special FD schemes may not last long, particularly after the recent rate reduction by the Reserve Bank of India (RBI). If RBI reduces policy rates, then FD rates also tend to fall. This implies that returns on fixed deposits may come down in the near future. Therefore, if you wish to freeze better returns, it is advisable to invest in these special FDs before the cutoff date. Now, there are some top banks that have provided these high-return FDs, including: SBI's Amrit Vrishti SBI's Amrit Vrishti is a special fixed deposit plan with a 444-day tenure. It offers an interest rate of 7.25% for regular customers and 7.75% for senior citizens. This scheme is available until March 31, 2025. SBI's Amrit Kalash SBI’s Amrit Kalash is a special fixed deposit scheme with a 400-day tenure. It offers an interest rate of 7.10% for regular customers and 7.60% for senior citizens. This scheme is available until March 31, 2025. IDBI Bank- Utsav Callable FD Utsav Callable FD is a special fixed deposit scheme with interest rates that change based on the deposit period. The last date to invest in this scheme is March 31, 2025.

Tenure	General/NRE/NRO (Interest Rate)	Senior Citizens (Interest Rate)	Super Senior Citizens (Interest Rate)
			(January 13, 2025)
300 Days	7.05%	7.55%	7.55%
375 Days	7.25%	7.55%	7.90%
444 Days	7.35%	7.85%	8.00%
555 Days	7.40%	7.50%	8.05%
700 Days	7.20%	7.70%	7.85%

The bank has also launched the IDBI Chiranjeevi-Super Senior Citizen FD, specially designed for resident individuals aged 80 years and above. This scheme is available starting January 13, 2025. However, the interest rates for this FD will be valid only for the duration of the Utsav FD schemes. Indian Bank Indian Bank has introduced special fixed deposit (FD) schemes called IND Supreme (300 Days) and IND Super (400 Days). These schemes offer interest rates of up to 8.05% for super senior citizens. The last date to invest in these schemes is March 31, 2025. The last date to invest in these schemes is March 31, 2025. This is a limited-time opportunity for those looking to earn higher returns on their savings. Since interest rates may decrease in the future, banks might stop offering these high-return schemes.