Looking for a secure and rewarding fixed deposit? The new IND SECURE 444 FD from Indian Bank is a limited-period term deposit scheme offering attractive interest rates up to 7.90% p.a. In this article, we explain everything you need to know about IND SECURE FD—interest rates, eligibility, benefits, how to invest, and whether it’s the right choice for you.
What is IND SECURE 444 FD?
IND SECURE 444 FD is a Special Term Deposit Scheme launched by Indian Bank, offering a fixed maturity of 444 days. Available from May 8, 2025, this fixed deposit product is designed to offer better returns than regular term deposits.
The scheme is open to individuals, NRIs, firms, companies, HUFs, trusts, and other eligible entities as approved by RBI.
Interest Rates on IND SECURE FD (Effective from 08.05.2025)
| Customer Type | Interest Rate (% p.a.) |
|---|---|
| General Public, NRE/NRO | 7.15% |
| Senior Citizens (60 to <80) | 7.65% |
| Super Senior Citizens (80+) | 7.90% |
📌 Note: Additional interest for senior citizens is *not applicable to NRI deposits.
Key Features of IND SECURE 444 FD
- Tenure: Fixed for 444 Days
- Deposit Amount:
- Minimum: ₹1,000
- Maximum: ₹2.99 Crore (Deposits above ₹3 crore are ineligible)
- Auto-Renewal:
- If scheme is active, renewed under same terms
- If discontinued, renewed for 1 year at prevailing rate
- Premature Closure: Allowed with 1% penalty
- Loan/Overdraft: Available against FD
- TDS: Deducted as per IT rules (Form 15G/15H accepted)
- Nomination: Mandatory for individual depositors
- Mode of Opening: Branch, TAB, Internet Banking, INDSMART App
Who Can Invest in IND SECURE 444 FD?
This FD scheme is available to:
- Individual investors (single or joint)
- NRIs (NRE & NRO)
- Firms, Companies, HUFs
- Religious, Charitable & Educational institutions
- Government and Semi-Government bodies
- Trusts, Societies, Clubs, Associations
💡 Exclusions: Not applicable for RD, Tax Saver FDs, MACAD, Capital Gains Accounts, or MODs.
IND SECURE 444 FD Interest Calculator
Want to know how much you’ll earn in 444 days? Use our FD calculator to get accurate maturity value and interest payout based on your deposit amount.
🔗 Try the IND Secure 444 FD Calculator here
IND Secure 444 FD Calculator
📈 WhyThis FD Stands Out
- Higher Returns: Up to 7.90% is competitive in today’s FD market
- Fixed Maturity: No ambiguity—clear lock-in for 444 days
- NRI Friendly: NRE and NRO deposits accepted
- Digital Onboarding: Apply online easily via Indian Bank’s INB or INDSMART platforms
- Safe Investment: Backed by a trusted public sector bank
Should You Invest in IND SECURE 444 FD?
If you’re looking for a short-term, high-interest, safe investment, this scheme is worth considering. It suits conservative investors, senior citizens looking for better rates, and NRIs wanting a secure rupee deposit.
However, for maximum benefit:
- Avoid premature withdrawal (1% penalty)
- Use the auto-renewal feature only if you’re comfortable with automatic reinvestment
How to Apply for IND SECURE 444 FD
You can open this FD via:
- Branch: Visit your nearest Indian Bank branch
- Online: Through Internet Banking or INDSMART mobile app
- Tablet (TAB) Banking: Assisted account opening at select branches
Make sure your account is KYC compliant and linked with a valid PAN/Form 60.
Final Thoughts
The IND SECURE FD by Indian Bank is a well-structured product for those seeking better returns with limited tenure and minimal risk. With rates going as high as 7.90% p.a., it’s among the top FD options available right now.
📘 Frequently Asked Questions – IND Secure 444 FD
– Senior Citizens (60–79 yrs): 7.65% p.a.
– Super Senior Citizens (80+ yrs): 7.90% p.a.
(NRI customers do not get the additional interest benefit)
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