Archive · 23 Aug 2026
444-Day FD Returns Compared Across Top PSU Banks
Several public-sector banks offer special fixed deposits lasting 444 days.
Central Bank of India has the highest listed interest rate at 6.75%.
If you deposit ₹20,000 there, you could receive about ₹21,697 at maturity.
Punjab National Bank and Indian Overseas Bank offer 6.60%.
Canara Bank offers 6.50%.
State Bank of India and Bank of Baroda offer 6.45%.
Larger deposits earn more interest at the same rate.
The figures are estimates because banks may calculate interest differently, and senior citizens may receive different rates.
Central Bank of India offers the highest listed rate at 6.75% for 444 days.
A ₹20,000 Central Bank of India deposit could mature at approximately ₹21,697.
Punjab National Bank and Indian Overseas Bank offer 6.60% on their 444-day deposits.
Canara Bank offers 6.50%, while State Bank of India and Bank of Baroda offer 6.45%.
The calculations assume quarterly compounding, and actual maturity amounts may vary slightly by bank.
- Who
- Central Bank of India, Punjab National Bank, Indian Overseas Bank, Canara Bank, State Bank of India, and Bank of Baroda.
- What
- The article compares interest rates and estimated maturity amounts for 444-day fixed deposits.
- When
- The cited rates include dates effective from March 17, May 15, and June 1, 2026, depending on the bank.
- Where
- At the listed public-sector banks in India.
- Why
- To show how ₹20,000, ₹50,000, and ₹1 lakh could grow in 444-day deposits.
- Highest listed rate
- Central Bank of India offers 6.75% for its 444-day deposit.
- Central Bank maturity
- ₹1 lakh could grow to approximately ₹1,08,483, including about ₹8,483 interest.
- PNB and IOB rate
- Punjab National Bank and Indian Overseas Bank offer 6.60%.
- Canara Bank rate
- Canara Bank offers 6.50%, effective from March 17, 2026.
- SBI and BoB rate
- State Bank of India and Bank of Baroda offer 6.45%.
- Calculation basis
- Estimates use quarterly compounding over 444 days.
- Rate qualification
- The rates are for general citizens and may differ for senior citizens.