444-Day Special FD Schemes: Which Bank Offers the Highest Interest—PNB, SBI or BOB?

By Siddhi Jain | Apr 28, 2026, 10:57 IST

If you are looking for a safe investment with assured returns, special 444-day Fixed Deposit (FD) schemes launched by public sector banks are gaining attention in 2026. With interest rates higher than regular FDs, these limited-period schemes are becoming a preferred choice for conservative investors.

With the Reserve Bank of India keeping repo rates stable, FD interest rates have also remained steady—making this a good time to lock in returns.

Why 444-Day FD Schemes Are Popular

These special FDs are designed to offer:

Higher returns than standard tenure deposits
Fixed and predictable earnings
Low risk compared to market-linked investments

In an environment of rising inflation and uncertain markets, such schemes provide stability and peace of mind.

Top Banks Offering 444-Day FD Interest Rates

Here’s a comparison of major public sector banks:

Punjab National Bank (PNB) – Highest Returns

General Public: 6.60%
Senior Citizens: 7.10%
Super Senior Citizens: 7.40% (highest)

👉 PNB currently offers the best returns among major PSU banks.

State Bank of India (SBI) – “Amrit Vrishti” Scheme

General Public: 6.45%
Senior/Super Senior: Additional benefits

Canara Bank

General Public: 6.50%
Senior Citizens: Around 7.00%
Super Senior: Up to 7.10% (in select cases)

Bank of Baroda – “bob Square Drive”

General Public: 6.45%
Senior Citizens: 6.95%
Super Senior: 7.05%

Indian Bank – “IND Secure”

General Public: 6.60%
Senior Citizens: 7.10%
Super Senior: Up to 7.35%

Which Bank Offers the Best Deal?

Best for Maximum Returns: PNB (up to 7.40%)
Close Competitor: Indian Bank (up to 7.35%)
Stable Options: SBI, Canara Bank, and Bank of Baroda

👉 If your goal is the highest interest, PNB stands out currently.

How to Open a 444-Day FD

Opening an FD is simple and can be done in two ways:

Online:

Log in to net banking or mobile app
Select FD option
Choose tenure (444 days) and deposit amount

Offline:

Visit your bank branch
Fill out the FD application form

Documents Required

To open an FD, you’ll need:

Identity proof (Aadhaar, PAN, Passport)
Address proof
Date of birth proof

Final Takeaway

The 444-day FD schemes are offering attractive returns compared to regular deposits, especially for senior citizens. With interest rates stable and risks low, this could be a good opportunity to lock in higher returns.

However, always compare rates and check terms before investing, as interest rates may change over time.

Disclaimer: Interest rates are subject to change. Please verify with the respective bank before investing.