State Bank of India has launched its special 444-Day Fixed Deposit Scheme for 2025, giving investors a chance to earn up to 7.20 percent interest with guaranteed, risk-free returns. This short-term FD has quickly gained popularity among customers looking for high returns without locking in money for too long.
Why the 444-Day FD Is Popular in 2025
The 444-day tenure offers a balance between short-term liquidity and higher-than-usual returns. With rising market uncertainty, many investors prefer stable instruments, making this FD a strong banking option. The guaranteed interest rate is locked at the time of investment, protecting your money from future rate cuts.
Interest Benefits for Regular and Senior Investors
Senior citizens enjoy an additional interest premium, making the effective return even more attractive. Regular investors also receive a competitive rate that outperforms many standard savings options. The structure is designed to provide strong growth within a relatively short period.
| Key Feature | Details |
|---|---|
| Scheme Name | SBI 444-Day Special FD |
| Interest Rate | Up to 7.20% (higher for senior citizens) |
| Tenure | 444 days |
| Deposit Type | Fixed Deposit with assured returns |
| Interest Payout | Monthly, quarterly, or at maturity |
| Minimum Deposit | As per SBI’s FD rules |
| Safety Level | Fully secure, backed by SBI |
How SBI’s 444-Day FD Works
Once invested, your funds remain fixed for 444 days. You can choose to receive interest periodically or at maturity, based on your financial needs. SBI ensures that your principal and interest are fully protected throughout the tenure.
Only Bullet Section (Allowed Once)
The main points to remember are up to 7.20 percent interest, short 444-day tenure, higher rates for seniors, flexible payout options, and guaranteed returns with the safety of SBI.
Who Should Consider This Deposit Scheme
This FD is ideal for salaried individuals, senior citizens seeking secure income, first-time investors, and anyone looking for a stable short-term investment with predictable growth. It also suits those who want a safe alternative to market-linked volatility.
Premature Withdrawal Rules
SBI permits premature closure under standard FD norms. However, a reduced interest rate or penalty may apply depending on how long the deposit was held. Investors can also opt for a loan against the FD if they need liquidity without breaking the deposit.
Conclusion: The SBI 444-Day FD Scheme for 2025 delivers a high-interest, low-risk investment opportunity tailored for short-term savers. With up to 7.20 percent returns, strong safety, and flexible payout options, it stands out as one of the most attractive fixed deposits available this year.
Disclaimer: Interest rates and terms are subject to change based on SBI’s official updates; always verify the latest rates before investing.
