Summary of this article
Indian Overseas Bank raises 444-day senior citizen FD rate to 7.25 per cent.
Central Bank of India offers 7.40 per cent to seniors.
SBI and Canara Bank provide competitive 444-day FDs.
Indian Overseas Bank (IOB) increased interest rates on its ‘444 days’ fixed deposit (FD) tenure, effective November 10, 2026. The bank raised the interest rates by 15 basis points (bps) for callable FDs of less than Rs 3 crore by bringing it up from the previous 6.60 per cent to 6.75 per cent per annum. The same rate will apply to the NRE term deposit as well, but for the non-callable FDs of the same tenure, the rates are 10 bps higher at 6.85 per cent.
Senior citizens (those who are 60 years and above) can avail of 7.25 per cent on this FD, including the additional 50 bps over the card rates, which the bank offers to senior citizens. For the same tenure (444 days), super senior citizens (those aged 80 and above) can receive 7.50 per cent per annum, including the additional 75 bps offered to super seniors.
Banks determine FD tenure based on their requirement and accordingly fix the interest rates. Many banks offer 444-day FD as a standard FD, whereas others offer this tenure as a special FD.
Here is a comparison of what other banks are offering for a 444-day FD, at present.
State Bank of India (SBI)
SBI offers this as a special FD, Amrit Vrishti. These 444-day FD rates were revised on December 15, 2025, when the bank reduced the rates from 6.60 per cent to 6.45 per cent per annum. For super senior, the rates are 50 bps higher, so it's 6.95 per cent for a 444-day tenure.
Canara Bank
Canara Bank offers 444-day FDs under its regular FDs and offers 6.65 per cent to the general public. The annualised return comes out to be 6.66 per cent. Upon including the additional 50 bps available for senior citizens, this FD offers seniors 7.15 per cent per annum.
Central Bank of India
The bank offers this (444-day tenure) as a special FD. Following the recent interest rate revision on November 11, 2026, its interest rate is 6.90 per cent for the general public and 7.40 per cent for seniors.
Bank of Baroda (BoB)
The Bank offers a 444-day FD named Bob Square Drive Deposit Scheme, and offers 6.45 per cent to the general public, 6.95 per cent to senior citizens, and 7.05 per cent to super senior citizens, with effect from today, November 12, 2026.
As these rates are for callable FDs, depositors can break them before maturity if needed.
