SBI 444-Day FD Scheme 2026: The SBI 444-Day Fixed Deposit, popularly known as the Amrit Vrishti FD, is a special deposit scheme designed for investors seeking stable returns in a short period. The scheme offers a fixed tenure of 444 days and competitive interest rates compared with many regular short-term fixed deposits offered by banks.
This scheme is suitable for investors who prefer safe investments with predictable returns. Since the deposit is offered by the State Bank of India, it is considered reliable for conservative investors. Customers can open the deposit online through digital banking or by visiting a bank branch.
SBI 444-Day Fixed Deposit Scheme Explained for Investors
The SBI 444-Day Fixed Deposit is a special tenure deposit introduced to provide better interest rates than many short-term deposits. The scheme requires investors to lock their money for exactly 444 days and earn fixed interest during the tenure.
Because the interest rate remains stable throughout the tenure, investors can easily estimate their maturity amount. This makes the scheme attractive for individuals planning short-term financial goals while keeping their investment secure.
Latest Interest Rates Offered in SBI 444-Day FD
The interest rate for the SBI 444-Day FD depends on the type of investor. General customers currently receive around 6.45 percent annual interest, which is competitive for a short-term fixed deposit.
Senior citizens receive a higher interest rate of approximately 6.95 percent per annum. This additional benefit makes the scheme more appealing for retirees who want stable returns on their savings.
SBI 444-Day FD Scheme 2026 Overview
| Key Detail | Information |
| Scheme Name | Amrit Vrishti Fixed Deposit |
| Bank | State Bank of India |
| Tenure | 444 Days |
| Minimum Deposit | ₹1,000 |
| Maximum Deposit | Less than ₹3 Crore |
| Interest Rate (General) | Around 6.45% Per Year |
| Interest Rate (Senior Citizens) | Around 6.95% Per Year |
| Availability | Online and Bank Branch |
| Loan Against FD | Available |
| Premature Withdrawal | Allowed With Penalty |
Key Features of the SBI Amrit Vrishti Fixed Deposit
One important feature of the scheme is the fixed investment period of 444 days. Investors know exactly when their deposit will mature, helping them plan their finances with greater clarity.
Another feature is the flexibility to open the deposit through internet banking or mobile banking. This convenience allows customers to invest without visiting a branch.
Eligibility Criteria for Opening the SBI 444-Day Deposit
The scheme is mainly available to resident individuals who want to invest in a safe banking product. Existing customers and new investors can open this deposit if they meet the bank’s requirements.
Senior citizens are also eligible and receive higher interest benefits. Deposits under this scheme are generally limited to retail investments below ₹3 crore.
Minimum Investment and Maximum Deposit Limits
The minimum amount required to start this fixed deposit is ₹1,000. This low entry requirement allows small savers to invest without needing a large initial amount.
Investors can deposit higher amounts according to their financial capacity. However, the scheme is typically available for deposits below ₹3 crore, keeping it focused on retail investors.
Example Calculation of Returns on ₹5 Lakh Deposit
If an investor deposits ₹5,00,000 for 444 days at an interest rate of about 6.45 percent annually, the maturity amount can reach roughly ₹5.40 lakh to ₹5.43 lakh.
The exact return may vary slightly depending on compounding methods used by the bank. However, the deposit still provides predictable and stable returns during the tenure.
Benefits of Investing in the SBI 444-Day FD Scheme
One major advantage of the scheme is the security it provides. Fixed deposits are considered low-risk investments because the returns are predetermined and not affected by market fluctuations.
Another benefit is the additional interest rate for senior citizens. This helps retirees earn slightly higher returns while keeping their savings protected.
Loan and Premature Withdrawal Rules Explained
Investors can take a loan against the fixed deposit if they need funds during the tenure. This feature allows them to access liquidity without breaking the deposit completely.
Premature withdrawal is also allowed if investors need to close the deposit earlier. However, the bank may apply a small penalty on the interest rate for early withdrawal.
Important Points Investors Should Know Before Investing
Investors should remember that the tenure of this deposit is fixed at 444 days and cannot be changed after opening the account. Proper planning is therefore important before investing.
Another important point is that the interest earned from the fixed deposit is taxable according to income tax rules. Investors should consider their tax liability when calculating the final returns.