444 Days FD Interest Rate- In 2025, 444-day fixed deposit plans are being promoted by numerous banks as an appealing mid-term investment option. The competitive 444 Days FD Interest Rate 2025 offered by these programmes aims to optimise returns while maintaining liquidity.
This scheme began on July 16, 2024, and investors have until March 31, 2025, to participate. These FDs provide significant annual interest rates of up to 7.75% to individuals. Complete details of this Bank Wise 444 Days FD Interest Rate 2025, including candidate eligibility requirements, bank-specific interest rates, and more, are provided in this post.
444 Days FD Interest Rate 2025
One of the most alluring mid-term investment possibilities for 2025 is the forthcoming 444-day fixed deposit programme. This tenure is being introduced by a number of institutions in order to provide a well-balanced combination of increased yields and liquidity.
For example, Federal Bank has added a 444-day option to its FD offerings, which offers regular people an excellent 7.50% 444 Days FD Interest Rate 2025. Senior individuals may be eligible for even greater rates. This cutting-edge product, which will go into effect in early 2025, coincides with banks adjusting their deposit products to better suit shifting market conditions and RBI policy changes.
444 Days FD Interest Rate 2025 Overviews
| 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 |
Read More:- New PF Contribution
About 444-day Fixed Deposit
In 2025, the 444-day Fixed Deposit (FD) plan has emerged as one of the most attractive mid-term investment options for those looking to balance higher returns with liquidity. With competitive interest rates of up to 7.75% annually, this FD plan has been specially designed to cater to investors who want a medium-term commitment without locking their funds for too long. The program, launched on July 16, 2024, is available for investment until March 31, 2025.
What is a 444 Days Fixed Deposit?
The 444 Days Fixed Deposit is a term deposit offered by various banks that allows investors to lock in their money for a tenure of 444 days. During this period, investors earn fixed interest based on the rates offered by the bank at the time of investment. The 444-day FD is ideal for individuals who do not want to commit to long-term investments but still wish to earn competitive interest on their savings.
Check Also:- $445 Family Benefit Payment Date
Eligibility Criteria
To participate in the 444 Days FD plan, investors must meet certain eligibility requirements. These include:
- Indian Nationals: The FD plan is available to Indian nationals, either individually or in partnership.
- Senior Citizens: Individuals aged 60 or above are eligible for preferential rates, often higher than those offered to regular depositors.
- Institutions: Institutional entities, including corporations, partnerships, Hindu Undivided Families (HUFs), and educational or philanthropic organizations, are also eligible to invest in this FD.
- KYC Compliance: As part of the Know Your Customer (KYC)process, investors need to provide identification documents such as Aadhaar, PAN card, passport, or voter ID, along with proof of address.
- Minimum Deposit: Typically, the minimum deposit amount for a 444-day FD starts at ₹1,000, though this may vary depending on the bank’s policies.
Each bank might have slightly different requirements, so it is advisable to check with your respective bank for the most up-to-date eligibility criteria.
Also Check:- New MSME Credit Scheme
Bank Wise 444 Days FD Interest Rate 2025
The 444 Days FD Interest Rate for 2025 varies across banks, with some offering special rates for senior citizens. Here’s a comparison of the interest rates offered by major banks in India:
| Bank Name | Interest Rate for Regular Depositors | Interest Rate for Senior Citizens |
| Federal Bank | 7.50% per annum | 8.00% per annum |
| Central Bank | 7.45% per annum | 7.95% per annum |
| SBI | 7.25% – 7.50% per annum | 7.75% per annum |
| IDBI | 7.50% per annum | 7.60% per annum |
| Karnataka Bank | 7.25% – 7.50% per annum | 7.65% per annum |
| Bank of Baroda | 7.25% – 7.50% per annum | 7.75% per annum |
| Union Bank | 7.50% per annum | 8.00% per annum |
Process to Apply for the 444 Days FD Program in 2025
Investing in the 444 Days FD plan is easy and can be done both online and offline.
Online Process:
- Log into your bank’s mobile banking or internet banking platform.
- Navigate to the Fixed Deposit section and choose the 444-day FD
- Enter the deposit amount and select the interest payout frequency (monthly, quarterly, or cumulative).
- Confirm the details and make the payment to initiate the FD.
- Complete the KYC verification if required.
Check Here:- MPESB Group 4 Salary
Offline Process:
- Visit the nearest bank branch and ask for the FD application form.
- Fill in the required details, including the deposit amount, nominee details, and tenure (444 days).
- Submit the form along with the necessary KYC documents(e.g., passport-sized photographs, identification, and address proof).
- Pay the deposit amount to complete the process.
Conclusion
The 444 Days Fixed Deposit offers an excellent investment opportunity in 2025 for those seeking higher returns on a medium-term commitment. With competitive interest rates ranging from 7.25% to 8.00%, this FD plan caters to both regular and senior citizens. The flexibility in interest payout options and the eligibility for institutional investors further enhance its appeal. Whether you choose to invest online or offline, the process is simple and straightforward. Be sure to compare bank-wise interest rates and choose the option that best suits your financial goals and needs.
444 Days FD Interest Rate FAQ’S
How long does a 444-day FD last?
A 444-day FD lasts exactly 444 days from the date of deposit.
What is the typical interest rate for regular depositors?
The interest rate for regular depositors typically falls between 7.25% and 7.50% annually.
What is the typical interest rate for senior citizens?
Senior citizens can expect to earn between 7.75% and 8.00% per annum on their FD.
What is the minimum deposit amount for a 444-day FD?
The minimum deposit usually starts at ₹1,000, although it may vary depending on the bank's policies.
Related Posts:-