Canara Bank’s unique 444-day Fixed Deposit (FD) plan in 2025 is one of the most appealing short-term investment possibilities for conservative investors. This scheme comes with the feature of attractive interest rates and flexibilities to adapt to the needs of the person who is seeking to get a return without tying up their money too long.
What Is the 444-Day FD Scheme?
The 444-day FD is a special deposit plan with a limited period by Canara Bank. It is provided in two variants: Callable and Non-Callable, meaning that the investors can pick if they wish to have the option of early withdrawal or not. The scheme is meant to provide higher interest rates than regular FDs for a medium-term period that is just over one year.
Latest Interest Rates – November 2025
Here’s a snapshot of the interest rates offered under the 444-day FD scheme:
| Variant | Regular Rate | Senior Citizen Rate |
|---|---|---|
| Callable | 7.25% | 7.75% |
| Non-Callable | 7.35% | 7.85% |
Key Benefits of the Scheme
- Short tenure of 444 days with high returns
- Senior citizen bonus of 0.50% across both variants
- Callable option allows early withdrawal with nominal penalty
- Non-callable option offers higher interest for committed tenure
- Minimum deposit starts at ₹1,000
- Safe investment backed by a public sector bank
This scheme is the best choice for the investors who want to park their extra funds for a short time and still gain better interest rates than regular savings accounts.
Senior Citizen Advantage
A 0.50% additional interest is provided to senior citizens for both the variants. For instance, the non-callable option of a senior citizen can get up to 7.85%, which is a dependable source of income for retirees.
Final Thoughts
Canara Bank’s 444-day FD plan in 2025 is a very clever and safe choice for short-term investors. It has the whole package with interest rates going up to 7.85%, the option of withdrawal whenever required, and solid support from the bank in terms of finance. It is the perfect combination of safety and growth. So, whether you are a retiree or a working professional, this FD will help you get the maximum possible return without locking your money for a long time.
Also Read/Canara Bank 666-Day FD 2025: Highest Interest Rates & Benefits