The Amrit Vrishti FD Scheme 2026 has been launched by the State Bank of India which is also known as the 444-Day FD Scheme. This is a product meant for those investors who want to earn more than bank fds and prefer the security and stability of a guaranteed income. With 444 days as the fixed period, it not only gives good rates of interest but also suits both regular as well as senior citizens.
What Makes This Scheme Unique
The 444-day scheme is not only a short-term deposit but also a rewarding one unlike deposits for the long term. It connects savings account and multi-year deposits, which is why it is perfect for conservative investors. The scheme provides guaranteed returns invulnerable to market risks which is the reason why it has become very popular among those who want to earn predictably.
Allowed Rates, and Advantages
The scheme gives 6.45% per year for common investors and 7.10% maximum for aged people. Super senior citizens (above 80) have a perk of 60 basis points on top of the normal rate which makes it one of the most appealing FD offers in 2026.
Latest Information
| Feature | Details | Impact |
|---|---|---|
| Tenure | 444 days fixed | Short-term with assured returns |
| Interest Rate (General) | 6.45% – 6.60% p.a. | Better than standard FDs |
| Senior Citizen Rate | 7.10% p.a. | Higher earnings for retirees |
| Super Senior Rate | Extra 60 bps above regular rate | Maximum benefit for 80+ age group |
| Scheme Name | Amrit Vrishti FD | Special product by SBI |
Who Should Invest
This scheme is the best option for those who want to save their money safely for just over a year while earning higher returns than regular deposits. Especially, senior citizens will get more from the hikes in interest rates, thus, it as a dependable way for retirement planning.
Final Thoughts
SBI FD 444-Day Scheme 2026 is a considerate extension of SBI’s fixed deposit product. It features high rates of interest, guaranteed returns and special privileges for senior citizens, hence, it is a safe and profitable investment avenue. If the investors looking for the balance of safety with good returns, this scheme could be an intelligent investment in today’s financial environment.