SBI Amrit Vrishti vs Punjab & Sind Bank vs Indian Bank vs IOB: Top 444-Day FD Schemes Compared For Best Return

The 444-day special FD schemes offered by leading Indian banks are a smart choice for investors who are looking for stable returns. Though the interest rate is not much as compared to other market-linked investment options, this plan gives risk-free returns and is most suitable for people of older age or who are less aware of the investment market.

SBI 444-Day Special FD: Amrit Vristi

India's largest lender, the State Bank of India (SBI), is offering a 6.60% interest rate under its Amrit Vriti 444-day special FD scheme. This FD option is open to general citizens and is perfect for risk-averse individuals.

If you invest Rs.1 lakh, you can expect a maturity amount of approximately Rs. 1,08,017. The same scheme offers a 7.10% interest rate for senior citizens and 7.20% for super senior citizens.

Punjab & Sind Bank 444-Day FD

Punjab & Sind Bank takes the lead in this 444-day FD rate, offering the highest interest rate of 7.05% to general depositors. If you're looking to maximise returns on your fixed deposit in 2025, this option stands out.

A Rs. 1,00,000 investment in this scheme would give approximately Rs. 1,08,580 at maturity. This is currently the best return on a 444-day FD by a PSU bank in India.

Indian Bank 444-Day FD Interest Rate

Indian Bank offers a 6.90% interest rate on its 444-day FD scheme for general citizens. An investment of Rs. 1 lakh would grow to around Rs. 1,08,288.

Indian Overseas Bank 444-Day FD Rates

Indian Overseas Bank (IOB) provides 6.75% interest for general citizens investing in its 444-day fixed deposit scheme. Though slightly lower than others, it still beats the national

With Rs. 1,00,000 invested, the maturity amount will be approximately Rs. 1,08,005. This FD is suited for conservative investors who want to park funds for a short term in a low-risk public sector bank.

Which 444-Day FD Should You Choose?

If your goal is to earn maximum interest on a Rs. 1 lakh FD in 2025, Punjab & Sind Bank clearly offers the best 444-day FD rate at 7.05%, translating to the highest returns among the four banks. For those prioritising safety, SBI's 6.60% FD under Amrit Vristi can be a reliable choice.

Disclaimer: The information provided in this article is for general informational purposes only and does not constitute financial, investment, or credit advice. The views and recommendations mentioned are based on publicly available data and expert opinions at the time of writing. Neither the author nor GoodReturns endorses any specific product or financial decision. GoodReturns.in and its affiliates are not responsible for any loss or damage resulting from reliance on the information presented.