ET OnlineSeveral major Indian banks have launched special fixed deposit (FD) schemes with special tenures. A 444-day special FD is one of them, offering some of the best interest rates to general, senior, and super senior citizens. Here’s an overview of the latest interest rates of these special FDs, and the estimated maturity amount on Rs 1 lakh investment in each FD.
State Bank of India’s (SBI) 444-day special FD is known as the ‘Amrit Vrishti’ scheme. The PSU bank offers a 6.60% interest rate to general citizens. Senior citizens earn a 7.10% rate on the same FD, while super senior citizens get 7.20%.
If you invest Rs 1 lakh in SBI’s Amrit Vrishti fixed deposit (FD interest rate 6.6%), the estimated maturity value will be Rs 1,08,288, and the estimated interest earned will be Rs 8,288.
A Rs 1 lakh investment in the Ind Secure Product FD (interest rate 6.7%) will help you get an estimated Rs 1,084,18.26 on maturity, where the estimated interest will be Rs 8,418.26.
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If you invest Rs 1 lakh in bob Square Drive Deposit Scheme (interest rate 6.6%), the estimated maturity value will be Rs 1,08,288.61, out of which, the estimated interest will be Rs 8,288.61.
If you invest Rs 1 lakh in Utsav FD (interest rate 6.7%), the estimated maturity value will be Rs 1,08,418.26 while the estimated interest earned wealth will be Rs 8,418.26.
A Rs 1 lakh investment in the 444-day FD from the PSU bank(interest rate 6.5%) will provide an estimated maturity value of Rs 1,08,159.08, and the estimated interest of Rs 8,159.08.
Disclaimer: Values are approximate for Rs 1 lakh investment. Actual maturity may differ based on compounding method, TDS deductions, and bank terms. Calculations provided here are for educational and informational purposes only. Please check with your respective banks before booking an FD.
SBI
State Bank of India’s (SBI) 444-day special FD is known as the ‘Amrit Vrishti’ scheme. The PSU bank offers a 6.60% interest rate to general citizens. Senior citizens earn a 7.10% rate on the same FD, while super senior citizens get 7.20%.If you invest Rs 1 lakh in SBI’s Amrit Vrishti fixed deposit (FD interest rate 6.6%), the estimated maturity value will be Rs 1,08,288, and the estimated interest earned will be Rs 8,288.
Indian Bank
Indian Bank is offering a 6.70% interest rate to general citizens on its 444-day special fixed deposit scheme (Ind Secure Product). The interest rate for senior citizens for the same scheme is 7.20%, while super senior citizens earn a 7.45% rate.A Rs 1 lakh investment in the Ind Secure Product FD (interest rate 6.7%) will help you get an estimated Rs 1,084,18.26 on maturity, where the estimated interest will be Rs 8,418.26.
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Bank of Baroda
Bank of Baroda, under its bob Square Drive Deposit Scheme (444 days), offers an interest rate of 6.60% to general citizens, 7.10% to senior citizens, and 7.20% to super senior citizens.If you invest Rs 1 lakh in bob Square Drive Deposit Scheme (interest rate 6.6%), the estimated maturity value will be Rs 1,08,288.61, out of which, the estimated interest will be Rs 8,288.61.
IDBI Bank
IDBI Bank, on its 444-day UtsavFD special deposit scheme, offers a 6.70% interest rate to general citizens, 7.20% to senior citizens, and 7.35% to super senior citizens. The rates are valid till September 30, 2025.If you invest Rs 1 lakh in Utsav FD (interest rate 6.7%), the estimated maturity value will be Rs 1,08,418.26 while the estimated interest earned wealth will be Rs 8,418.26.
Canara Bank
Canara Bank, on its 444-day deposit, offers a 6.50% interest rate to general citizens and 7.00% to senior citizens.A Rs 1 lakh investment in the 444-day FD from the PSU bank(interest rate 6.5%) will provide an estimated maturity value of Rs 1,08,159.08, and the estimated interest of Rs 8,159.08.
| Bank | Scheme Name | Interest Rate | Maturity Value (₹) | Estimated Interest (₹) |
| SBI | Amrit Vrishti FD | 6.60% | ₹1,08,288 | ₹8,288 |
| Indian Bank | Ind Secure Product FD | 6.70% | ₹1,08,418 | ₹8,418 |
| Bank of Baroda | bob Square Drive FD | 6.60% | ₹1,08,288 | ₹8,288 |
| IDBI Bank | Utsav FD (till Sept 30, 2025) | 6.70% | ₹1,08,418 | ₹8,418 |
| Canara Bank | 444-Day Special FD | 6.50% | ₹1,08,159 | ₹8,159 |
Disclaimer: Values are approximate for Rs 1 lakh investment. Actual maturity may differ based on compounding method, TDS deductions, and bank terms. Calculations provided here are for educational and informational purposes only. Please check with your respective banks before booking an FD.
