In 2025, Bank of Baroda (BoB) introduced an exclusive fixed deposit (FD) plan with a duration of 444 days, which yields one of the highest returns among the public sector banks. The short-term investors who intend to gain a risk-free growth are the target of the scheme and thus it is presented as part of BoB’s festive season offers comprising of flexible options with excellent interest rates for both regular and senior citizens.
What Is the 444-Day FD Scheme?
The 444-day FD is a limited-period deposit plan introduced by Bank of Baroda to offer higher-than-usual interest rates for a short-to-medium investment horizon. It sits strategically between the 1-year and 2-year brackets, making it ideal for those who want better returns without locking in funds for too long. The scheme can have a maximum total deposit of ₹2 crore, and Online or in-person opening at any BoB branch is allowed.
Latest Interest Rates – November 2025
Below you can find the interest rates applicable on the 444-day deposit scheme:
| Category | Interest Rate | Effective Yield |
|---|---|---|
| Regular Citizens | 7.25% | ~7.45% |
| Senior Citizens | 7.75% | ~7.98% |
Key Features and Benefits
- Short tenure of 444 days with high returns
- Safe investment backed by a public sector bank
- Senior citizen bonus of 0.50% over regular rates
- Quarterly or cumulative interest payout options
- Premature withdrawal allowed with nominal penalty
This scheme is perfect for investors who wish to invest for more than a year but still want to earn interest rates that surpass those of regular savings accounts or shorter FDs.
Final Thoughts
The Bank of Baroda’s 444-day FD scheme in 2025 is a wise and secure alternative for short-term investors. The attractive interest rates of up to 7.75% also make it possible to offer a wonderful mix of safety, liquidity, and growth. This FD can either be a retiree’s or a working professional’s tool for making the most of returns without a long-term obligation. Hurry, though, because it’s a limited-time offer!
