444 Days FD Interest Rate- Many banks are touting 444-day fixed deposit plans in 2025 as a good mid-term investment decision. In order to optimise returns while protecting liquidity, these products provide competitive 444 Days FD Interest Rate 2025. Investors have until March 31, 2025, to participate in this plan, which began on July 16, 2024. Individuals can earn up to 7.75% in interest on these FDs each year.
444 Days FD Interest Rate 2025
Several banks are introducing this tenure to give a balanced blend of liquidity and increased rewards. For example, Federal Bank has updated its FD options by adding a 444-day option that offers a competitive 7.50% 444 Days FD Interest Rate 2025 for ordinary residents, while senior citizens may profit from even greater rates. This novel product, which will go into effect in early 2025, comes as banks are recalibrating their deposit products to better fit with RBI policy moves and shifting market dynamics.
444 Days FD Interest Rate 2025 Details
| 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 |
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Eligibility Criteria
The 444 Days FD plan is available to a wide range of individuals and entities, provided they meet the following criteria:
Individual Eligibility:
- Indian Nationals: Both individual investors and partnerships can avail of this scheme. This allows flexibility for personal as well as joint investments.
- Senior Citizens: Individuals aged 60 years or older are eligible for special interest rates, making the 444 Days FD plan an attractive option for retirement planning.
Institutional Eligibility:
- Entities like corporations, partnerships, Hindu Undivided Families (HUFs), as well as educational and philanthropic organizations, can also invest in this FD plan.
KYC (Know Your Customer) Compliance:
- Valid Identification: To open an FD, customers must provide valid identification, which could include a passport, voter ID, Aadhaar card, PAN card, or driver’s license.
- Address Proof: Additionally, applicants must submit proof of address, such as a utility billor bank passbook.
- Passport-sized Photograph: While new customers need to submit recent passport-sized photos, existing clients may be exempted from this requirement.
Specific Requirements for NRE Deposits:
- For Non-Resident External (NRE) deposits, senior citizen interest rates may not be applicable, depending on the bank’s policies.
Note: Always verify the specific requirements with your bank, as eligibility criteria may vary slightly across different institutions.
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Bank-wise 444 Days FD Interest Rate in 2025
The interest rates for the 444 Days FD plan can differ based on the bank and whether you are a regular depositor or a senior citizen. Here’s an overview of the expected interest rates for 2025:
| Bank Name | Interest Rate (Regular) | Interest Rate (Senior Citizens) |
| Federal Bank | 7.50% p.a. | 8.00% p.a. |
| Central Bank | 7.45% p.a. | 7.95% p.a. |
| SBI | 7.25% – 7.50% p.a. | 7.75% p.a. |
| IDBI | Competitive rates | 7.60% p.a. (for seniors) |
| Karnataka Bank | 7.25% – 7.50% p.a. | 7.65% p.a. (for seniors) |
| Bank of Baroda | 7.25% – 7.50% p.a. | 7.75% p.a. |
| Union Bank | 7.50% p.a. | 8.00% p.a. |
Note: These interest rates are indicative and subject to change based on bank policies. It’s essential to confirm the current rates with your bank before making an investment.
How to Apply for the 444 Days FD Plan in 2025?
There are two main ways to apply for the 444 Days FD plan:
Online Method:
- Log into your bank’s mobile banking app or online banking portal.
- Navigate to the Fixed Deposit section and select the 444 Days FD plan.
- Choose the deposit amount and decide whether you want a monthly, quarterly, or cumulative interest payout.
- Complete the application and verify your details.
Offline Method:
- Visit your bank branch and ask for the FD application form.
- Fill in the necessary details, including your nominee information, deposit amount, and tenure of 444 days.
- Submit the form along with your KYC documents(proof of identity and address), and deposit the required amount.
- After processing, you will receive the FD receipt.
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Final Words
The 444 Days FD plan offers a flexible and secure investment option for both regular and senior citizens. With attractive interest rates, easy application procedures, and a range of eligibility criteria, it’s an ideal choice for many investors. Make sure to check the specific terms and rates at your bank before making your investment to ensure it aligns with your financial goals.
444 Days FD Interest Rate FAQ’S
How Long Does A 444 Days FD Last?
The tenure of this FD plan is exactly 444 days.
What is Typical Interest Rate for Regular Depositors?
Regular depositors can expect interest rates between 7.25% and 7.50% per annum.
What is The Interest Rate for Senior Citizens?
Senior citizens typically receive 7.75% to 8.00% per annum on their FD investments.
What is The Minimum Deposit Required?
The minimum deposit for the 444 Days FD plan generally starts at ₹1,000. However, the exact amount may vary by bank.