5 Major Banks Offering Attractive Returns on 444-Day Special FD Schemes – Check Rates and Maturity Amounts

Several leading Indian banks are currently offering special fixed deposit (FD) schemes with a 444-day tenure, designed to provide investors with secure and attractive returns in a short period. These schemes cater to regular depositors, senior citizens, and even super senior citizens with higher interest rates for each category.

With less than one and a half years of lock-in, these deposits have emerged as a popular choice for individuals seeking safe investment options with decent returns. Let’s take a detailed look at the latest interest rates and maturity amounts offered by State Bank of India (SBI), Indian Bank, Bank of Baroda (BoB), IDBI Bank, and Canara Bank on their 444-day FD schemes.

SBI Amrit Varsha FD Scheme

India’s largest lender, State Bank of India (SBI), offers a 444-day special FD under the scheme called Amrit Varsha.

• Interest Rate:

  • Regular citizens: 6.60%

  • Senior citizens: 7.10%

  • Super senior citizens: 7.20%

For instance, if you invest ₹1 lakh at 6.60%, the maturity amount after 444 days will be approximately ₹1,08,288, including interest earnings of around ₹8,288.

Indian Bank – Ind Secure Product FD

Indian Bank has introduced its special Ind Secure Product FD for 444 days, offering slightly higher returns compared to SBI.

• Interest Rate:

  • Regular citizens: 6.70%

  • Senior citizens: 7.20%

  • Super senior citizens: 7.45%

On a deposit of ₹1 lakh at 6.70%, the maturity value comes to ₹1,08,418, which includes ₹8,418 as interest.

Bank of Baroda – bob Square Drive Deposit

Bank of Baroda (BoB) also has a dedicated scheme named bob Square Drive Deposit for a 444-day tenure.

• Interest Rate:

  • Regular citizens: 6.60%

  • Senior citizens: 7.10%

  • Super senior citizens: 7.20%

A deposit of ₹1 lakh at 6.60% yields a maturity amount of ₹1,08,288, providing an interest income of about ₹8,288.

IDBI Bank – Utsav FD (Valid till September 30, 2025)

IDBI Bank has rolled out its Utsav FD Scheme with a 444-day tenure, available until 30 September 2025.

• Interest Rate:

  • Regular citizens: 6.70%

  • Senior citizens: 7.20%

  • Super senior citizens: 7.35%

An investment of ₹1 lakh at 6.70% will mature to ₹1,08,418, generating ₹8,418 in interest.

Canara Bank – Special 444-Day FD

Canara Bank has also introduced a 444-day FD plan. While slightly lower than some peers, it still offers a competitive return.

• Interest Rate:

  • Regular citizens: 6.50%

  • Senior citizens: 7.00%

If you invest ₹1 lakh at 6.50%, the maturity amount will be approximately ₹1,08,159, with interest earnings of ₹8,159.

Comparative Table of 444-Day FD Returns Bank Scheme Name Rate for Regular Citizens Maturity Amount (₹1 lakh) Interest Earned (₹)

SBI	Amrit Varsha FD	6.60%	₹1,08,288	₹8,288
Indian Bank	Ind Secure Product FD	6.70%	₹1,08,418	₹8,418
Bank of Baroda	bob Square Drive FD	6.60%	₹1,08,288	₹8,288
IDBI Bank	Utsav FD (till Sept 30)	6.70%	₹1,08,418	₹8,418
Canara Bank	444-Day Special FD	6.50%	₹1,08,159	₹8,159

Key Takeaway

The 444-day FD schemes by these five banks strike a balance between safety and attractive returns, especially for those who want a short-term investment horizon. Among them, Indian Bank and IDBI Bank currently offer the highest returns for regular citizens at 6.70%, while senior and super senior citizens enjoy even better interest benefits across banks.

For risk-averse investors, these fixed deposits present a secure avenue with assured maturity values in less than 15 months. However, depositors should check the latest rates and terms with respective banks before investing, as interest rates may change depending on bank policies.