SBI 444-Day FD Scheme 2026 has become one of the most talked-about fixed deposit options among conservative investors looking for stable and predictable returns. With market volatility continuing to affect equity investments, many individuals are turning to fixed deposits for capital protection and assured interest income. The 444-day tenure offered by State Bank of India provides a mid-term investment opportunity that balances liquidity and returns.
This special tenure fixed deposit is designed for investors who want better returns than short-term FDs while avoiding long lock-in periods of 3 to 5 years. The 444-day FD works like a standard term deposit but may offer a slightly differentiated interest structure compared to regular tenure slabs.
What Is SBI 444-Day Fixed Deposit?
The 444-day fixed deposit is a special tenure FD introduced by State Bank of India (SBI) for customers seeking secure investment options. Under this scheme, investors deposit a lump sum amount for a fixed period of 444 days and earn interest at a predetermined rate declared by the bank at the time of booking.
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The interest rate remains fixed throughout the tenure, ensuring guaranteed returns regardless of market fluctuations. Senior citizens may receive an additional interest benefit over regular depositors, as per bank norms.
How the 444-Day FD Works
Investors can open the 444-day FD by depositing a minimum amount as specified by SBI. Once booked, the amount remains locked for the chosen tenure. Interest is calculated on a quarterly compounding basis and paid either at maturity or periodically, depending on the payout option selected.
At the end of 444 days, the principal amount along with accrued interest is credited to the investor’s bank account. Customers also have the option to auto-renew the deposit upon maturity.
Key Features of SBI 444-Day FD 2026
The scheme offers guaranteed returns with zero market risk. It is suitable for salaried individuals, retirees, and conservative investors. The deposit can be opened online through internet banking, mobile banking apps, or by visiting a branch.
Premature withdrawal is allowed, but a penalty may apply as per SBI’s prevailing rules. Investors should carefully review the penalty structure before investing if liquidity is a concern.
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Who Should Consider This FD?
The 444-day FD is ideal for investors who want short-to-medium term stability. It may suit individuals planning for near-term financial goals, such as education expenses, travel, or emergency funds. Senior citizens seeking predictable income may also find this tenure attractive due to additional interest benefits.
For those who prefer capital protection over high returns, this FD can act as a safe component within a diversified investment portfolio.
SBI 444-Day FD 2026 Overview Table
| Feature | Details |
|---|---|
| Bank | State Bank of India |
| Tenure | 444 Days |
| Interest Rate | As per prevailing SBI FD rates |
| Senior Citizen Benefit | Additional interest over regular rate |
| Minimum Deposit | As per SBI norms |
| Premature Withdrawal | Allowed with penalty |
| Compounding | Quarterly |
| Risk Level | Very Low |
Interest Calculation Example
If an investor deposits ₹1,00,000 in the 444-day FD at the applicable interest rate, the bank calculates interest quarterly and compounds it. The final maturity amount will depend on the interest rate applicable at the time of investment. Since rates may vary during 2026, investors should check the latest SBI FD rate chart before booking.
Taxation on SBI Fixed Deposits
Interest earned from fixed deposits is taxable as per the investor’s income tax slab. If the interest exceeds the prescribed threshold, TDS may be deducted by the bank. Investors can submit Form 15G or 15H, if eligible, to avoid TDS deduction.
Advantages of Investing in SBI 444-Day FD
One of the major advantages is capital safety, as SBI is one of India’s largest public sector banks. The fixed interest rate ensures predictability in returns. Additionally, the moderate tenure offers flexibility compared to long-term FDs.
The deposit can also be used as collateral for loans, providing liquidity without breaking the FD in certain situations.
Points to Consider Before Investing
While the scheme offers safety, returns may be lower than market-linked instruments such as mutual funds or equities. Inflation may also affect real returns over time. Therefore, investors should align the FD with their financial goals and risk tolerance.
Checking current interest rates, penalty clauses, and renewal options before investing is always recommended.
1. What is the tenure of the SBI 444-Day FD Scheme 2026?
The fixed deposit has a tenure of exactly 444 days from the date of investment.
2. Is premature withdrawal allowed in this FD?
Yes, premature withdrawal is permitted, but a penalty may apply as per SBI rules.
3. Do senior citizens get extra interest?
Yes, senior citizens generally receive an additional interest rate benefit over regular depositors.
4. How can I open the SBI 444-Day FD?
You can open it online via SBI net banking, mobile banking, or by visiting your nearest SBI branch.
The SBI 444-Day FD Scheme 2026 offers a secure and structured investment opportunity for individuals looking for stable returns within a moderate tenure. Before investing, it is advisable to review current interest rates and evaluate how the scheme fits into your overall financial planning strategy.