444-Day Special FD Schemes: Which Bank Offers the Highest Interest in 2026?

Kokila Chokkanathan
Introduction

Many indian banks now offer special 444-day Fixed Deposit (FD) schemes to attract investors looking for short-term high returns. These schemes are popular because they give slightly better interest than regular FDs. But the big question is: which bank offers the highest rate?

Top Banks Offering 444-Day FD Schemes (2026)

1. Central bank of india – Highest (Among PSU Banks)

  • Interest Rate: Up to 7.60% – 8.10% (depending on option)
  • Senior citizens get extra benefits
  • One of the highest-paying PSU bank 444-day FDs
👉 This is currently among the top highest 444-day FD rates in public sector banks

2. indian bank – Strong Competitor

  • Interest Rate: Around 6.60% (general)
  • Senior citizens: up to 7.10% – 7.35%
  • Stable and safe PSU option
3. sbi (Amrit Vrishti FD)

  • Interest Rate:
    • General: 6.45%
    • Senior citizens: 6.95%
👉 Very safe, but not the highest interest rate

4. bank of Baroda (Square Drive Deposit)

  • Interest Rate:
    • General: 6.45%
    • Senior citizens: up to 7.05%
5. Canara bank (444-Day FD)

  • Interest Rate: Around 6.45% – 7%+ depending on category
  • Includes loan facility and flexibility
Quick Comparison Table

Bank

General Rate

Senior Citizen Rate

Position

Central bank of India

~7.6%–8.1%

Higher

⭐ Highest

Indian Bank

6.6%

7.1%–7.35%

High

Bank of Baroda

6.45%

7.05%

Moderate

Canara Bank

~6.45%+

Higher

Moderate

SBI (Amrit Vrishti)

6.45%

6.95%

Safe but lower

Which bank Is Best?

⭐ Best Return (Highest Interest)

👉 Central bank of india 444-day FD

🏦 Best Safe Option

👉 SBI 444-day FD (most trusted, very safe)

⚖️ Balanced Option

👉 indian bank / bank of Baroda (decent returns + safety)

Important Advice Before Investing

  • Higher interest = slightly higher risk
  • Always check bank credit rating & safety
  • Do not invest all savings in one FD
  • Compare senior citizen benefits if applicable
Conclusion

In 2026, the highest 444-day FD returns are offered by Central bank of India, while sbi remains the safest option with moderate returns. Choosing the right FD depends on whether you want maximum interest or maximum safety.

 

Disclaimer:

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.

For more interesting updates click and follow Indiaherald WhatsApp channel

Find Out More:

FD

Related Articles: