Axis Bank 444 Days FD Scheme

What is Axis Bank 444 Days FD Scheme 2026?

The Axis Bank 444 Days FD Scheme 2026 allows customers to invest for a fixed tenure of 444 days at competitive Axis Bank FD rates. Open to both general and senior citizens, the scheme can be booked easily through Axis Bank Internet Banking, Mobile App, or any branch. Offering attractive interest rates, the Axis Bank 444 Days FD provides a safe, flexible, and rewarding investment avenue for short- to medium-term savers.

Axis Bank FD Rates for 444 Days

Below are the latest Axis 444 days FD rates for deposits of less than ₹3 crore:

Axis Bank FD rates for 444 days w.e.f. October 4, 2025

Key Features of Axis Bank 444 Days FD Scheme

Axis Bank offers special FD schemes with specific benefits that set them apart from regular fixed deposits. The main features include:

• Premature Withdrawal: If required, customers can withdraw their fixed deposit before the maturity date. In such cases, Axis Bank FD premature withdrawal usually attracts a 1% deduction on the interest earned.
• Sweep-In Facility: The ‘Encash 24’ option under Axis Bank Special FD Schemes transfers any savings account balance above ₹25,000 into fixed deposits in multiples of ₹5,000.
• Multiple Payout Choices: Depending on their needs, depositors can opt for cumulative FDs with interest paid at maturity or non-cumulative FDs with monthly or quarterly interest payouts.
• Loan Facility: Under Axis Bank Special FD Schemes, customers can meet urgent financial needs through Axis Bank loan against FD. The interest rate on such loans is generally 2% higher than the applicable FD interest rate for both general and senior citizens.

How to Apply for Axis Bank 444 Days FD Scheme?

Customers can open an Axis Bank Special FD through two simple methods: online or offline. Both options provide flexibility and convenience based on user preference.

Online Application Process 

Below are the steps to apply online for an Axis Bank Special FD Scheme in a quick and paperless manner:

Step 1: Log in to Axis Bank Internet Banking or Mobile App: Access your account using valid credentials through the official website or Axis Mobile App.

Step 2: Navigate to the Fixed Deposit Section: Go to the “Deposits” tab and select the option to open a new fixed deposit.

Step 3: Choose the Deposit Type: Select the desired tenure and the applicable Axis Bank Special FD Scheme.

Step 4: Enter Deposit Details: Specify the investment amount, payout preference (monthly, quarterly, or cumulative), and nominee details.

Step 5: Review and Confirm: Verify all the entered details, including tenure and Axis Bank FD interest rates, before confirming.

Step 6: Complete the Transaction: The deposit amount will be debited from your Axis Bank account, and the FD confirmation advice will be generated instantly.

Offline Application Process 

Customers who prefer visiting a branch can apply for an Axis Bank Special FD through the offline process as follows:

Step 1: Visit the Nearest Axis Bank Branch: Go to any Axis Bank branch and request the FD application form from the helpdesk.

Step 2: Fill out the Application Form: Enter details such as deposit amount, tenure, scheme type, and nominee information.

Step 3: Submit KYC Documents: Provide your PAN card, Aadhaar, and address proof for verification along with a passport-size photograph.

Step 4: Deposit the Amount: Pay the chosen FD amount in cash or cheque, or authorise a transfer from your Axis Bank savings account.

Step 5: Choose Renewal and Payout Options: Select whether you want the deposit to renew automatically or close on maturity and specify your payout frequency.

Step 6: Receive FD Acknowledgement: Once processed, you’ll receive an FD receipt or advice slip containing all your Axis Bank Special FD Scheme details.

Example of Axis Bank 444 Days FD Interest Calculation 

Suppose a customer invests ₹2,00,000 in this scheme for 444 days. The Axis Bank FD calculator 444 days 2026 estimates the returns as follows:

Simple Interest Calculation (General Citizen, 6.25%): SI = (2,00,000 × 6.25 × 1.22) / 100SI = ₹15,250Maturity Amount = ₹2,00,000 + ₹15,250 = ₹2,15,250

Compound Interest Calculation (Quarterly Compounding, 6.25%): A = 2,00,000 × (1 + 0.0625 / 4)^(4 × 1.22) A ≈ ₹2,16,059.36 Compound Interest = ₹2,16,059.36 – ₹2,00,000 = ₹16,059.36

Note: The Axis Bank FD calculator helps estimate the maturity value of deposits and gives investors a clear idea of the returns.

Documents Required for Axis Bank 444 Days FD Scheme

To open an Axis Bank Special FD, customers are required to submit certain documents for verification. Below is the list of mandatory documents:

• Proof of Identity: Accepted IDs include Aadhaar, PAN, Passport, Voter ID, or Driving Licence.
• Proof of Address: Customers can provide Aadhaar, Passport, a recent utility bill, or a bank statement showing the current address.
• Photograph: A passport-size photograph is required for offline FD applications.
• PAN Card: Submitting a PAN card is compulsory for taxation and TDS purposes.
• KYC Documents: Online deposits can be completed through e-KYC or video KYC, while offline applications require physical documents.
• Bank Account Details: An Axis Bank savings account must be linked to receive interest payouts and maturity proceeds. 

Eligibility Criteria for Axis Bank 444 Days FD Scheme

Axis Bank allows a wide range of customers to open Special FD accounts. The following categories are eligible:

• Resident Individuals: Includes both adults and minors (through their guardians).
• Senior Citizens: Customers above 60 are eligible for additional interest benefits.
• Firms and Companies: Sole proprietorships, partnership firms, and private or public limited companies are eligible to open FDs.
• Trusts and Societies: Registered trusts, societies, and associations can invest as per bank guidelines.
• Non-Resident Indians (NRIs): Eligible to invest through NRE and NRO fixed deposit accounts.

Taxation on Axis Bank 444 Days FD Returns

Interest earned on Axis Bank fixed deposits is taxable under “Income from Other Sources” and must be added to total income. From April 1, 2025, the TDS limit is ₹50,000 per year for non-senior citizens and ₹1,00,000 for senior citizens. If the interest exceeds these limits, Axis Bank deducts TDS (Tax Deducted at Source) at 10% (or 20% if PAN is not provided). Investors can submit Form 15G or 15H to avoid TDS if their income exceeds the taxable limit.

Key Takeaways

Axis Bank Special FD Schemes offer fixed returns with flexible payout options and an additional Axis Bank FD interest rate for senior citizens. Depending on customer preference, these deposits can be opened online and offline. To ensure you are getting the most out of your savings, it is always a good idea to compare these specialised schemes with the FD rates currently offered by other top-tier private and public sector banks.