The State Bank of India (SBI) has launched a special 444 Days Fixed Deposit (FD) Scheme for 2025 that’s creating a huge buzz among investors. Known for its reliability and strong returns, this short-term FD offers higher interest rates than regular deposits, making it one of the most attractive options for safe and guaranteed earnings this year.
What Is the SBI 444 Days FD Scheme?
The SBI 444 Days FD is a special tenure deposit plan where investors can earn more in just 1 year and 79 days (444 days). The scheme has been reintroduced under the Amrit Kalash series, aimed at giving short-term investors the benefit of higher fixed returns.
Under this plan, depositors get:
- Interest rate for general customers: 6.60% per annum
- Interest rate for senior citizens: 7.10% per annum
- Minimum deposit: ₹1,000
- Maximum deposit limit: ₹3 crore (for retail investors)
- Tenure: Fixed at 444 days (cannot be changed)
- Premature withdrawal: Allowed with nominal penalty as per SBI rules
Why Investors Are Excited About This FD
This exclusive FD has quickly become a favorite because it offers higher returns than standard 1-year or 2-year FDs, while keeping the risk completely zero. With market volatility and unpredictable equity trends, this plan gives depositors peace of mind and fixed profits.
Other reasons it’s trending:
- Short-term and safe: Only 444 days lock-in period
- Better interest than regular FDs
- Trust of SBI: India’s most reliable public sector bank
- No market risk: Guaranteed return at maturity
- Auto-renewal and nomination options available
How Much Can You Earn?
Let’s take an example:
If you invest ₹1,00,000 in the SBI 444 Days FD at 6.60%, your maturity amount will be approximately ₹1,07,600.
For senior citizens at 7.10%, the same investment will grow to around ₹1,08,150 — all with zero market risk and complete safety.
How to Open SBI 444 Days FD
You can easily open this FD both online and offline:
- Online Method:
- Log in to SBI Net Banking or the YONO SBI App.
- Go to “Term Deposits” → “Special Schemes.”
- Choose “444 Days FD Scheme” and enter your deposit details.
- Confirm and submit — your FD will be instantly activated.
- Offline Method:
- Visit your nearest SBI branch.
- Fill out the fixed deposit form and select the 444 Days plan.
- Submit your KYC documents (Aadhaar, PAN, etc.).
- Deposit the amount and get your FD receipt immediately.
Things to Keep in Mind
- Taxation: FD interest is taxable under “Income from Other Sources.” TDS applies if annual interest exceeds ₹40,000 (₹50,000 for senior citizens).
- Premature Withdrawal: Allowed, but SBI charges a small penalty if withdrawn before maturity.
- Auto-Renewal: You can opt for automatic renewal at maturity.
- Nomination Facility: Always nominate a family member for security.
Why the SBI 444 Days FD Stands Out in 2025
While other banks like Canara Bank, Indian Bank, and Bank of Baroda also offer 444-day deposits, SBI’s plan stands out because of its strong brand trust, widespread network, and reliability. Investors who want steady, guaranteed, and risk-free returns are finding this short-term plan a perfect fit.
Conclusion: The SBI 444 Days FD Scheme 2025 is one of the most rewarding and secure fixed deposit options available right now. With returns up to 7.10%, flexible investment starting from just ₹1,000, and complete safety under India’s top bank, it’s a golden opportunity for smart investors. Whether you’re planning for short-term goals or just want to park your savings safely — don’t miss this special FD before it’s gone!
Disclaimer: The rates and details mentioned are based on SBI’s latest updates as of November 2025. Investors should verify rates and eligibility with their nearest SBI branch or on the official website before investing.
