The State Bank of India (SBI) 444-Day Fixed Deposit (FD) 2026 special deposit scheme provides attractive interest rates which secure returns to investors. The flexible options together with the higher rates which exceed those of standard fixed deposits have made this investment option popular among senior citizens and regular depositors.
What is the 444-Day FD?
The 444-day FD represents a temporary savings solution which SBI offers to assist customers who wish to save money for a period of three to five years. The product offers customers superior interest rates together with guaranteed investment returns which provide them with secure investment options that do not involve market risks.
Why Choose SBI 444-Day FD in 2026?
The fixed deposit offers an attractive feature because its interest rates exceed those of standard tenured deposits. The system permits investors to select between cumulative and non-cumulative choices which enable them to receive interest payments either at fixed times or when their investment ends.
Key Features of SBI 444-Day FD 2026
- The special 444 days tenure offers customers attractive interest rates.
- The system provides access to all customers including senior citizens.
- The system requires a minimum deposit of ₹1,000 while investors can deposit any amount they choose.
- Customers can withdraw their money before the due date but they must pay a penalty.
- The investment provides security because it comes with SBI’s trustworthiness and DICGC insurance protection which extends up to ₹5 lakh.
Interest Rate Comparison
| Category | Interest Rate (Approx.) |
|---|---|
| Regular Customers | 6.80% – 7.00% |
| Senior Citizens | 7.30% – 7.50% |
Benefits for Investors
The scheme is perfect for those who want a medium-term investment with guaranteed returns. Senior citizens receive higher interest rates compared to regular customers who obtain superior returns through standard fixed deposits. The system provides multiple payout choices which suit customers who prefer monthly income together with customers who want to save their money for long-term goals.