ET OnlineSeveral banks, including Indian Bank and IDBI Bank, run special fixed deposit (FD) schemes that offer attractive interest rates to their investors. Indian Bank runs the 444-day and 555-day as its two special FD schemes with a September deadline. On the other hand, IDBI Bank’s 444, 555, and 700 special FDs also have their deadlines in September.
According to the Indian Bank website, “New retail term deposit product “IND SECURE ” has been introduced w.e.f 08.05.2025 with investment starting from Rs1,000 to less than 3 crore in the form of FD/MMD with callable options for a maturity tenor of 444 days.
Indian Bank is offering a 6.60% interest rate to general citizens on its 555-day special fixed deposit scheme (Ind Green Product). The interest rate for senior citizens for the same scheme is 7.10%, while super senior citizens get a 7.35% rate.
The deadline to invest in Ind Green and Ind Secure is September 30, 2025.
IDBI Bank is offering a 6.70% interest rate to general citizens/NRE/NRO on its 444-day special FD. Senior citizens are getting a higher rate at 7.20%
For IDBI Bank’s 555-day special deposit scheme, the rate for general citizens/NRE/NRO is 6.75%, while senior citizens get a 7.25% rate.
On the 700-day special FD, IDBI Bank is offering a 6.60% interest rate to general/NRE/NRO depositors. The rate for senior citizens is 7.10%.
IDBI Chiranjeevi-Super Senior Citizen FD
IDBI Chiranjeevi-Super Senior Citizen FD is exclusively for resident individuals aged 80 years. For super senior citizens, the interest rate offered in the 444-day FD is 7.35%. While they get a 7.40% interest rate in the 555-day deposit, the rate for them in the 700-day FD is 7.25%.
The deadline for investing in all these 3 FDs is September 30, 2025.
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%.
The deadline for SBI’s Amrit Vrishti FD scheme had been extended, but the bank is yet to announce the new deadline.
What are special FDs?
These FDs are available for unique tenures such as 444 days, 555 days, and 700 days. They offer higher interest rates to senior and super senior citizens compared to what they offer to general citizens. Banks issue these special FDs for a limited period and with a deadline. On the deadline, the bank may close the scheme or continue it after a rate revision. For anyone planning to park their surplus funds, these special FDs could be an attractive option before the window to invest in them shuts.Indian Bank special FD deadline
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.According to the Indian Bank website, “New retail term deposit product “IND SECURE ” has been introduced w.e.f 08.05.2025 with investment starting from Rs1,000 to less than 3 crore in the form of FD/MMD with callable options for a maturity tenor of 444 days.
| Category | Rate of Interest (% p.a) w.e.f 01.08.2025 | |
| Public | 6.70% | |
| Senior Citizen | 7.20% | |
| Super Senior Citizen | 7.45% | |
Indian Bank is offering a 6.60% interest rate to general citizens on its 555-day special fixed deposit scheme (Ind Green Product). The interest rate for senior citizens for the same scheme is 7.10%, while super senior citizens get a 7.35% rate.
The deadline to invest in Ind Green and Ind Secure is September 30, 2025.
| Category | Rate of Interest (% p.a) w.e.f 01.08.2025 | |
| Public | 6.60% | |
| Senior Citizen | 7.10% | |
| Super Senior Citizen | 7.35% | |
IDBI Bank special FD deadline
IDBI’s Utsav Callable FD has tenures of 444, 555, and 700 days. The deadline to invest in all these 3 FDs is September 30, 2025.IDBI Bank is offering a 6.70% interest rate to general citizens/NRE/NRO on its 444-day special FD. Senior citizens are getting a higher rate at 7.20%
For IDBI Bank’s 555-day special deposit scheme, the rate for general citizens/NRE/NRO is 6.75%, while senior citizens get a 7.25% rate.
On the 700-day special FD, IDBI Bank is offering a 6.60% interest rate to general/NRE/NRO depositors. The rate for senior citizens is 7.10%.
| Interest Rate (% p.a.) | ||
| Special Buckets | General/NRE/NRO | Senior Citizens |
| 444 Days | 6.7 | 7.2 |
| 555 Days | 6.75 | 7.25 |
| 700 Days | 6.6 | 7.1 |
IDBI Chiranjeevi-Super Senior Citizen FD
IDBI Chiranjeevi-Super Senior Citizen FD is exclusively for resident individuals aged 80 years. For super senior citizens, the interest rate offered in the 444-day FD is 7.35%. While they get a 7.40% interest rate in the 555-day deposit, the rate for them in the 700-day FD is 7.25%.
| Special Buckets | Chiranjeevi-Super Senior Citizen |
| 444 Days | 7.35 |
| 555 Days | 7.4 |
| 700 Days | 7.25 |
The deadline for investing in all these 3 FDs is September 30, 2025.
SBI 444-day Amrit Vrishti special FD deadline
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%.
The deadline for SBI’s Amrit Vrishti FD scheme had been extended, but the bank is yet to announce the new deadline.
Special FD interest rate for general citizens, senior citizens and super senior citizens
| Bank / Scheme | Tenure | General / NRE / NRO | Senior Citizens | Super Senior Citizens | Deadline |
| SBI – Amrit Vrishti | 444 Days | 6.60% | 7.10% | 7.20% | No deadline (open-ended) |
| Indian Bank – Ind Secure | 444 Days | 6.70% | 7.20% | 7.45% | 30-Sep-25 |
| Indian Bank – Ind Green | 555 Days | 6.60% | 7.10% | 7.35% | 30-Sep-25 |
| IDBI – Utsav Callable FD | 444 Days | 6.70% | 7.20% | 7.35 | 30-Sep-25 |
| 555 Days | 6.75% | 7.25% | 7.4 | 30-Sep-25 | |
| 700 Days | 6.60% | 7.10% | 7.25 | 30-Sep-25 |
