Would you like to grow your savings while you are also safeguarding your capital and earning nice returns? SBI brings to you its one of the most popular 444-Day Fixed Deposits (FDs) that are also known as “Amrit Vrishti.” This mid-term investment is intended for the individuals who seek interest rates above the short-term FDs and in safe hands with the biggest bank in India. In effect, it has caught the eyes of retail investors and senior citizens in this interest rate environment.
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What the SBI Amrit Vrishti 444 Day FD Is
The Special Term Deposit Scheme or STDS for 444-days was conceptualized to lie in between the 1-year and 2-year deposits; as such, it offers an interest that is sure to compete with similar standard tenures. FD Lovers will cherish placing deposits as it offers a sanctioning of a lucrative interest rate for a term of approximately one year and four months while still keeping the deposit set aside; indeed, they are not constrained by their assets for a long-term period.
Current Interest Rates (2026)
The latest interest rate table is shown below for the SBI Amrit Vrishti 444-days FD effective from December 15, 2025 (for deposits less than ₹3 crore).
| Investor Type | Interest Rate (% p.a.) |
|---|---|
| General Public | 6.45% p.a. |
| Senior Citizens (60+) | 6.95% p.a. |
| Note: Rates may vary as per SBI notifications. |
Who Can Take Advantage of This Product?
Ordinary Investors – These investors wish to reap higher returns than a one-year deposit but do not prefer blocking their funds for 2+ years.
Senior Citizens – They are liable to get a higher interest rate than plain investors, through which the total earnings will be higher.
The interest earned will be paid on monthly, quarterly, half-yearly, or on maturity, depending on the choice of the investor.
Important Aspects in a Nutshell
- Tenure: 444 days
- Minimum Investment: Generally ₹1,000 (subject to changes according to the specific scheme)
- Interest Payout Frequency: Multiple options in terms of the frequency you may choose.
- In existence only in accordance with the State Bank of India’s policy
- Premature withdrawal is subject to penalty; please call the helpline at __ for details.
Comparing Other Offers
Though SBI’s FD rates for 444 days range from 6.45 to 6.95, special 444 Day FDs in other banks may sometimes give you even more in interest-on certain conditions that are less favorable regarding safety and terms. Always remember to compare net returns before final decisioning
Investment Facts
- Rate Changes: Banks revise their FD rates periodically based on the approval of the RBI and fluctuations in the market. Hence, after policy rate changes, SBI slightly turned down FD rates in the ending months of 2025 and the 444-day FD rate was also around 6.5 percent.
- Premature Withdrawal: If you withdraw prematurely, you will lose the so-called yield rate.
- Tax Implications: Depending on the kind of taxpayer you are and going by exact earnings, you could come round again and experience TDS.
Is the FD investment correct for you?
SBI’s 444-day fixed ladder will suit investors who already have a savings objective for, say, 12 to 15 months and want a secure bank investment with a safe return for their investment. Decent rates but backed by a large bank make this a good choice for those who really understand and heavily weigh integer accounting principles.
We can draw a return calculator tool for determining the worth of your maturity at the opening of this 444-day fixed-desposit account. (I will arrange one for you.)
[4]: https://economictimes.indiatimes.com/wealth/invest/444-day-fixed-deposit-schemes-sbi-canara-bank-indian-bank-and-bank-of-baroda/articleshow/121285614.cms?utm_source=chatgpt.com SBI, Indian Bank, Bank of Baroda, and Canara Bank 7.9% Rate on 444-day FD