If you’re someone who prefers peace of mind over market swings, this might catch your attention. The SBI 444-Day FD Scheme 2026, better known as Amrit Vrishti, continues to be one of the most talked-about fixed deposits this year. And for good reason.
Here’s a simple truth. Many regular FDs don’t excite anyone anymore. Returns are steady but often feel underwhelming. This scheme tries to fix that gap by offering higher interest for a short, clearly defined period. No long lock-ins. No complex terms.
For people planning a short-term goal or parking surplus cash safely, it hits a sweet spot.
What Makes the SBI 444-Day FD Scheme Different?
The biggest draw is the 444-day tenure, which works out to roughly 14.5 months. It’s long enough to earn meaningful interest but short enough to stay flexible.
SBI has positioned Amrit Vrishti for investors who want predictable growth without watching the market daily. Since it’s backed by India’s largest public-sector bank, the principal safety is unquestionable.
Think about it this way. You know exactly how long your money is locked and exactly what return you’ll get. That certainty is valuable.
SBI 444-Day FD Interest Rates in 2026
SBI revised the rates in December 2025, and they remain unchanged in 2026. These rates apply to deposits below Rs. 3 crore.
| Investor Category | Interest Rate (p.a.) |
|---|---|
| General Public | 6.45% |
| Senior Citizens | 6.95% |
| Super Senior Citizens | 7.05% |
You can choose between cumulative returns or quarterly interest payouts, depending on whether you want income now or growth later.
Key Features You Should Know
This scheme is designed to be accessible.
The minimum deposit starts at just Rs. 1,000, and there’s no upper limit for retail investors. Interest compounds quarterly if you opt for reinvestment.
Need money urgently? Premature withdrawal is allowed, though a small penalty applies. You can also take a loan against the FD, usually up to 90 percent of the deposit value, which helps during emergencies without breaking the FD.
Your deposit is covered under DICGC insurance up to Rs. 5 lakh per depositor, adding another layer of safety.
Who Can Invest in Amrit Vrishti?
The eligibility list is broad. Resident individuals, HUFs, minors through guardians, and NRIs can invest. Opening the FD is easy through an SBI branch, internet banking, the YONO app, or mobile banking.
Bulk deposits above Rs. 3 crore fall under a different category and may get negotiated rates.
Is SBI Amrit Vrishti Worth Considering in 2026?
For conservative investors, the answer is yes. In a year where many banks are offering lower short-term rates, the SBI 444-Day FD Scheme 2026 stands out for its balance of safety, return, and flexibility.
Senior citizens benefit the most thanks to the additional interest. Just remember to check the latest terms on SBI’s official website, as special schemes can be revised or withdrawn.
Frequently Asked Questions
Is the SBI 444-Day FD Scheme guaranteed?
Yes. The scheme is offered by State Bank of India, which is government-backed. Additionally, deposits are insured up to Rs. 5 lakh under DICGC norms, making it one of the safest investment options.
Can I break the FD before 444 days?
Yes. Premature withdrawal is allowed, but a small penalty may apply. The exact penalty depends on SBI’s prevailing rules at the time of withdrawal.
Is this FD better than a regular SBI FD?
For short-term investors, yes. The interest rates on the 444-day scheme are higher than many regular FD tenures, making it more attractive for medium-term parking of funds.