{"id":3775,"date":"2025-08-09T08:07:10","date_gmt":"2025-08-09T08:07:10","guid":{"rendered":"https:\/\/tezgyan.com\/index.php\/2025\/08\/09\/which-bank-wins-the-444-day-fd-battle-heres-the-sbi-vs-indian-bank-comparison-savings-and-investments-news\/"},"modified":"2025-08-09T08:07:10","modified_gmt":"2025-08-09T08:07:10","slug":"which-bank-wins-the-444-day-fd-battle-heres-the-sbi-vs-indian-bank-comparison-savings-and-investments-news","status":"publish","type":"post","link":"https:\/\/tezgyan.com\/index.php\/2025\/08\/09\/which-bank-wins-the-444-day-fd-battle-heres-the-sbi-vs-indian-bank-comparison-savings-and-investments-news\/","title":{"rendered":"Which Bank Wins The 444-Day FD Battle? Here\u2019s The SBI Vs Indian Bank Comparison | Savings and Investments News"},"content":{"rendered":"


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These are limited-period schemes, and the interest rate you get at the time of deposit stays the same until maturity<\/h2>\n
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For other customers, the interest rate on this scheme is 6.70 per cent. <\/p>\n<\/figure>\n

Public sector banks like State Bank of India (SBI), Bank of Baroda, Indian Bank, Canara Bank, and others offer special fixed deposit (FD) schemes for both general and senior citizens. These are limited-period schemes, and the interest rate you get at the time of deposit stays the same until maturity, meaning market fluctuations do not affect your returns.<\/p>\n

Here, we look at the 444-day special FD schemes of the State Bank of India and Indian Bank, comparing their interest rates and maturity amounts for deposits ranging from Rs 2 lakh to Rs 5 lakh.<\/p>\n

SBI Amrit Vrishti Scheme<\/strong><\/p>\n

Under its 444-day \u2018Amrit Vrishti\u2019 special FD, SBI offers senior citizens an interest rate of 7.10 per cent and others 6.60 per cent, as per Zee Business. If a senior citizen invests Rs 2 lakh, they will receive Rs 2,17,876 at maturity, while others will get Rs 2,16,577. For a Rs 3 lakh deposit, the maturity amount is Rs 3,26,814 for senior citizens and Rs 3,24,866 for others.<\/p>\n

A Rs 4 lakh deposit will yield Rs 4,35,752 for senior citizens and Rs 4,33,154 for others. For a Rs 5 lakh investment, senior citizens will receive Rs 5,44,690, whereas others will get Rs 5,41,443 at the end of 444 days.<\/p>\n

Indian Bank 444-Day Special FD<\/strong><\/p>\n

Indian Bank\u2019s 444-day special FD offers slightly higher rates, 7.20 per cent for senior citizens and 6.70 per cent for others, Zee Business also states. With a Rs 2 lakh investment, a senior citizen will get Rs 2,18,137 at maturity, while others will get Rs 2,16,837. For a Rs 3 lakh deposit, senior citizens will receive Rs 3,27,205 and others Rs 3,25,255.<\/p>\n

If Rs 4 lakh is deposited, the maturity amount will be Rs 4,36,273 for senior citizens and Rs 4,33,673 for others. For Rs 5 lakh, senior citizens will take home Rs 5,45,342, and general citizens will get Rs 5,42,091 at maturity.<\/p>\n

Which One Should You Choose?<\/strong><\/p>\n

The comparison shows that Indian Bank offers a slightly better interest rate than SBI for both general and senior citizens.<\/p>\n

As a result, the maturity amounts for all investment sizes from Rs 2 lakh to Rs 5 lakh are higher with Indian Bank\u2019s 444-day scheme.<\/p>\n

For those looking for short-term but secure investment options, both schemes are reliable. However, if you want to maximise returns on a 444-day FD, Indian Bank edges ahead of SBI.<\/p>\n

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