The State Bank of India (SBI) has presented a distinctive scheme for fixed deposit called the 444 Days FD, which is also referred to as the Amrit Vrishti Scheme aforementioned. The primary target of this product is the investors who are in search of returns that are both short-term and safe. The fixed period of 444 days provides an incentive of higher interest rates than the standard deposits which makes the scheme a reasonably good option for risk-averse investors.
Attractive Interest Rates
The 2026 scheme is set to give a yield of 6.45%-6.60% per annum for the ordinary customers at the start of the year. Besides, a 0.50% extra for seniors and a 0.60% excess over the regular rate for super seniors (beyond 80 years) are also provided. Thus older depositors will also be able to derive the benefit of higher guaranteed returns by putting their money in at the very outset.
Who Should Invest
The project is the best match for people who take the road of least resistance in their investment portfolios, that is, they go for safe options and winot worry about the less profitable ones, because they know what the end will be like. Its geriatric audience will mainly consist of retired and salaried professionals and families aiming at short-term financial objectives. Being in the hands of SBI, the largest public sector bank in India, investors can rest assured regarding the safety and soundness of their money.
Latest Information in Table
| Feature | Details 2026 |
|---|---|
| Scheme Name | SBI Amrit Vrishti FD (444 Days) |
| Tenure | 444 days fixed |
| Interest Rate (General) | 6.45%–6.60% p.a. |
| Interest Rate (Senior Citizens) | Up to 7.10% p.a. |
| Interest Rate (Super Senior Citizens) | Up to 7.20% p.a. |
| Minimum Deposit | ₹1,000 |
| Maximum Deposit | As per SBI FD rules |
| Safety | Backed by SBI, insured up to ₹5 lakh |
Why This Scheme Matters
The SBI FD 444 Days Scheme 2026 is important because of the fact that it has superseded the traditional short-term deposits by offering higher returns and at the same time kept the risk at a low level. It joins together common savings accounts and long-term fixed deposits. This scheme is an ideal option for investors looking for both flexibility and security.
Conclusion
The SBI FD 444 Days Scheme 2026 is a wise decision for those who are after safe and short-term investments with good interest rates. Not only does it come with unique advantages for older investors and guaranteed returns but it is also a manifestation of SBI’s commitment to cater to the needs of different investors. In case you are one of those planning for financial stability in the not-so-distant future, this scheme will provide you with both the security of your money and the benefit of growth.