Many banks are highlighting 444-day fixed deposit plans in 2025 as a desirable mid-term investment choice. In order to maximize returns while preserving liquidity, these programs provide competitive 444 Days FD Interest Rate 2025. Investors have until March 31, 2025, to get involved in this plan, which started on July 16, 2024. For individuals, these FDs provide high interest rates of up to 7.75% annually. In this article you will get complete information about these Bank Wise 444 Days FD Interest Rate 2025 along with the eligibility criteria of candidates, bank wise interest and so on.
444 Days FD Interest Rate 2025
The upcoming 444-day fixed deposit program is poised to become one of the most attractive mid-term investment options in 2025. Several banks are introducing this tenure to offer a balanced blend of liquidity and higher returns. For instance, Federal Bank has recently revised its FD offerings by adding a 444-day option that delivers an impressive 7.50% 444 Days FD Interest Rate 2025 for general citizens, while senior citizens may benefit from even higher rates. This innovative product, set to be effective from early 2025, comes at a time when banks are recalibrating their deposit products to better align with RBI policy shifts and changing market dynamics.
The 444-day FD program offers investors seeking a medium-term commitment without committing to funds for an extended period of time a strategic advantage in addition to good rates. In comparison to shorter-term deposits, the product offers stability and superior returns by capturing the premium yield available throughout this ideal time frame. Banks serve a wide spectrum of investors, including senior citizens who frequently benefit from preferential rates, by providing both callable and non-callable versions of this FD.
444 Days Fixed Deposit Interest 2025
| About | 444 Days Fixed Deposit Interest 2025 |
| Year | 2025 |
| Country | India |
| Interest Rate | 7-7.5% |
| Category | Finance |
| Benefit Name | 444 Days FD Interest |
| Website | www.rbi.org.in |
Eligibility Criteria For 444 Days FD Plan Benefits In 2025
Following is the Eligibility Criteria For 444 Days FD Plan Benefits In 2025.
- Indian nationals may invest alone or in partnership, and senior citizens usually those 60 and older—are eligible for special rates.
- Institutional entities are also eligible, including corporations, partnerships, Hindu Undivided Families (HUFs), and educational or philanthropic organizations.
- Valid identification verification, such as a passport, voter ID, Aadhaar, PAN card, or driver’s license, is necessary as part of standard KYC compliance.
- Candidates have to submit their proofs such as utility bills, bank passbook and so on.
- Usually, current passport-sized photos are needed (for current clients, these are waived).
- Certain banks might have extra requirements, particularly for NRE deposits, where senior citizen interest may not be eligible.
- Because eligibility requirements can differ, customers should confirm the policies of their specific banks.
Bank Wise 444 Days FD Interest Rate 2025
| Name Of Bank | Bank Wise 444 Days FD Interest Rate 2025 |
| Federal Bank | 7.50% per annum for regular depositors, while senior citizens earn approximately 8.00% p.a. |
| Central Bank | at roughly 7.45% p.a. for regulars (7.95% for seniors) and a non‑callable option—available for deposits above ₹1 crore—at about 7.60% p.a. for regulars and 8.10% p.a. for senior citizens. |
| SBI | Regular deposit rates are probably between 7.25% and 7.50% p.a. with senior persons receiving approximately 7.75% p.a. |
| IDBI | competitive rates, with older persons benefiting from annual rates close to 7.60% |
| Karnataka Bank | Seniors can get FD at about 7.65%, while normal consumers can get slightly lower rates. |
| BANK Of Baroda | Senior citizen rates are roughly 7.75%, whereas ordinary rates are between 7.25 and 7.50%. |
| Union Banks | approximately 8.00% for older citizens and 7.50% for regular investors. |
Process To Apply 444 Days FD Program 2025
Go to the Fixed Deposit area after logging into your bank’s mobile app or online banking system. Before finalizing your choice, choose the 444-day FD product, input the deposit amount, and decide whether you want a monthly, quarterly, or cumulative interest payout.
Another option is to visit a nearby bank location to pick up an FD application form. Enter the relevant information, such as the nominee’s details, tenure (444 days), and deposit amount. To obtain your FD receipt, fill out the form, deposit the money, and provide your KYC documentation (passport-sized photos, proof of identification, and proof of address).
FAQs On 444 Days FD Interest Rate 2025
There are precisely 444 days in the tenure.
Typically, regular rates fall between 7.25% and 7.50% annually.
The average annual income for seniors is between 7.75% and 8.00%.
Typically, minimum deposits begin at ₹1,000, though each bank may have different requirements.
Yes, banks provide both kinds, and for larger deposit amounts, non-callable options are frequently offered.