444 Days Fixed Deposit Interest Rates for 2025 – Bank Wise Rate Comparison

In 2025, many banks are offering the 444-day fixed deposit (FD) scheme as an attractive mid-term investment option. This scheme provides high interest rates to investors as well as helps them maintain their liquidity. For those who want to keep their money safe and also expect better returns, this scheme can prove to be beneficial.

The scheme came into operation on 16 July 2024, while the last date to put in funds is 31 March 2025. This article will take a close look into bank-wise interest rates, eligibility criteria, application procedure, and other related important aspects.

444 Days FD Interest Rate 2025: Comparison of Bank-wise Interest Rates

The 444-day fixed deposit scheme is one of the best mid-term investment options in 2025. Annual interest offered under the scheme for an investor could be between 7% to 7.75% by different banks. Senior citizens get the benefit of higher interest rates than normal investors.

Let us look at the comparison of interest rates of some major banks:

Bank Name	Interest Rate for General Investors (Per Annum)	Interest Rate for Senior Citizens (Per Annum)
Federal Bank	7.50%	8.00%
Central Bank	7.45%	7.95%
State Bank of India (SBI)	7.25% to 7.50%	7.75%
IDBI Bank	7.60%	7.60%
Karnataka Bank	7.50%	7.65%
Bank of Baroda	7.25% to 7.50%	7.75%
Union Bank	7.50%	8.00%

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Benefits of 444 Days FD Scheme

The 444-day FD scheme offers several benefits for investors. This plan is great for nervous investors who still want to get better returns. Here are the main benefits of this plan:

• High interest rates: Higher interest is offered in this scheme as compared with other short-term FD schemes.
• Options for liquidity: Investors might choose months, quarters, or lump-sum payments of interest as per their requirements.
• Additional benefit for the senior citizen: The senior citizens get a benefit of higher interest rates than normal investors.
• Low-risk investment: FD investment is considered safe because it is offered by the banks under RBI guidelines.

Eligibility Criteria

The following eligibility criteria have been set to invest in 444 Days FD Scheme 2025:

• The investor must be an Indian citizen.
• Senior Citizens i.e. investors aged 60 years and above get special interest rates.
• Institutional Investors: Companies, partnership firms, Hindu Undivided Families (HUFs), and educational or social institutions can also invest.
• KYC Process: Investors are required to submit documents for the verification of identity such as passport, voter ID, Aadhaar card, PAN card, or a driving license.

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Other Documents Required:

• Proof of residence (electricity bill or bank passbook).
• Passport-size photo (for new customers).

Application Procedure: How to Invest in 444 Days FD Scheme?

Investing in the 444 Days FD scheme can be made through the following:

• 1. Apply online:
  • Log on to the bank’s mobile app or internet banking.
  • Under the Fixed Deposit section, choose the 444-day FD scheme.
  • Input the investment amount and select interest payment on a Monthly, Quarterly, or Lump sum basis.
  • Your FD receipt will reach you by email/post after processing your application.
• 2. Through bank branch application:
  • Visit the nearest bank branch and fill out the FD application form.
  • Enter the required details such as name, age of the depositor, FD tenure (444 days), amount to be deposited, etc.
  • Submit the form along with the required documents and the amount.
  • The bank will issue your FD receipt post-KYC verification.

Conclusion

The 444 Days FD Scheme 2025 is a great option for mid-term investors who expect high returns along with safe investments. This scheme is suitable for those who want to maintain their liquidity and do not want to lock their money for a long period.

FAQs: FAQs about 444 Days FD Scheme