SBI has introduced a special 444-day fixed deposit scheme for 2025, offering an attractive interest rate of up to 7.20%. If you’re looking for a short-term investment that’s safe, predictable, and higher-yielding than a regular savings account, this FD might be worth a closer look.
Understanding the SBI 444-Day FD and Its Key Benefits
This special fixed deposit is designed for customers who want a short-term but high-return option. The 444-day duration makes it slightly longer than a 1-year FD, allowing SBI to offer a higher interest rate.
Some standout benefits include:
- Guaranteed returns with no market risk
- Higher rate than standard 1-year deposits
- Ideal for parking short-term surplus funds
- Senior citizens earn even more
This FD is especially popular among investors looking for a safe place to grow their money quickly.
When the SBI 444-Day FD Is Applicable in 2025
SBI has launched the 444-day scheme for the 2025 financial year, and it’s available for both new and existing customers.
You can open this FD anytime during 2025 unless SBI withdraws or modifies the offer later in the year.
It’s advisable to check the latest rates on the SBI website or at your branch, as banks occasionally adjust special-tenure FD rates based on market conditions.
How the 444-Day FD Works?
Opening this FD is similar to any other fixed deposit with SBI. Here’s the step-by-step process:
- Choose the 444-day tenure while opening a new FD.
- Deposit any amount between ₹1,000 and no upper limit (non-tax-saving FD).
- Earn interest at up to 7.20% senior citizens get the highest rate.
- Decide your payout option:
- Monthly/quarterly interest, or
- Cumulative interest paid at maturity
- After 444 days, your principal + interest is paid to your account.
It’s simple, safe, and predictable.
Interest Rates for SBI 444-Day FD (2025)
Here’s a neat breakdown of what you can expect:
| Category | Interest Rate (Approx.) |
|---|---|
| General Public | ~7.10% |
| Senior Citizens | ~7.20% |
| NRE/NRO Accounts | Varies, usually similar to general rates |
Rates may vary slightly depending on regulatory changes or updates.
Common Mistakes Investors Make and How to Avoid Them
Not checking premature withdrawal rules
Withdrawing before 444 days may attract penalties. Always confirm the penalty rate before locking your money.
Choosing monthly interest without calculating returns
Opting for monthly payouts reduces overall maturity value. If you don’t need monthly income, go for the cumulative option.
Ignoring auto-renewal settings
If you forget to disable auto-renewal, your FD might get renewed at a lower rate later. Always specify your maturity instructions.
Investing without goal alignment
This FD is great for short-term goals like fees, travel funds, or emergency buffers not for long-term wealth building.
Best Tips to Maximize Returns from the 444-Day FD
- Compare with other special-tenure FDs before locking your money. SBI also launches 300-day and 500-day variants occasionally.
- Use senior citizen benefits if applicable; the extra 0.10% adds up.
- Open online through SBI YONO for quicker setup and better rate visibility.
- Split large deposits into multiple FDs so you can break only one if you need cash.
- Use cumulative interest for higher maturity value.
Latest Updates Related to SBI Fixed Deposits in 2025
- SBI continues offering limited-period special FDs, including the 444-day option.
- Rate revisions may occur quarterly based on RBI decisions.
- The bank is focusing on digital FD openings through YONO and internet banking.
- Senior citizen special rates remain a priority category in 2025.
These updates ensure SBI remains competitive in the short-term deposit market.
Conclusion
The SBI 444-day FD for 2025 is a smart choice if you’re seeking a short-term, low-risk investment with attractive returns. With rates up to 7.20%, flexible payout options, and strong safety from SBI, this FD fits well into most financial plans especially for those aiming to grow savings without taking market risks.
Just remember to check the latest interest rates, understand withdrawal rules, and choose the right interest payout method to get the best value.
FAQs
When does the SBI 444-day FD start in 2025?
It’s available throughout 2025, though SBI may modify or withdraw it later. Check the latest updates before investing.
What is the minimum deposit amount for this FD?
You can start with as little as ₹1,000, making it accessible to all investors.
Why does SBI offer special-tenure FDs like 444 days?
Banks use special tenures to balance liquidity needs and attract short-term deposits with competitive rates.
How can I open this FD?
You can open it via SBI YONO, internet banking, or by visiting any SBI branch.
Can I break the FD before 444 days?
Yes, but premature withdrawal penalties apply, which may reduce your effective returns.