HDFC Bank 444 Days FD Scheme

What is HDFC Bank 444 Days FD Scheme 2026?

HDFC Bank 444 Days FD Scheme 2026 is a fixed deposit plan that allows investors to place funds for a tenure of 444 days at a distinct interest rate compared to standard deposits. The tenure in years will be approximately 1 year and 2 months, and the deposit can be opened online or in a branch.

The minimum deposit amount for the scheme is ₹5,000, making it accessible to a wide range of investors. Senior citizens receive an additional 0.50% interest rate over the general rate. The scheme is part of the bank’s limited-tenure offerings that provide specific rate benefits under the prevailing HDFC Bank FD interest rates.

HDFC Bank 444 Days FD Rates

The HDFC Bank FD interest rates for the special 444-day tenure are:

*HDFC Bank 444 Days FD Rates w.e.f. 6 March 2026

Key Features of HDFC Bank 444 Days FD Scheme

The HDFC Bank 444 days FD Scheme comes with distinct features that offer flexibility and convenience to depositors. Below are the key features of these deposits:

• Fixed Tenure Options: The scheme is available for a fixed tenure of 444 days.
• Higher Interest Rates: The scheme offers a dedicated interest rate for the 444-day tenure under HDFC Bank's prevailing FD interest rate schedule.
• Premature Withdrawal Facility: Depositors can opt for HDFC Bank FD premature withdrawal if required. In such cases, interest is paid at the applicable rate for the actual period the deposit remained with the bank, subject to the bank's prevailing premature withdrawal policy and applicable penalty.
• Multiple Payout Modes: Customers can select between cumulative and non-cumulative interest payout options depending on their preference for periodic or maturity-based payments.

Eligibility Criteria For HDFC Bank 444 Days FD Scheme

HDFC Bank permits many customers to open and maintain an HDFC Bank 444 days FD scheme. The eligible categories include:

• Resident Individuals: Adults and minors under guardianship can open fixed deposit accounts.
• Senior Citizens: Customers aged 60 years and above are eligible for additional interest benefits.
• Hindu Undivided Families (HUFs): Hindu Undivided Families (HUFs) can open fixed deposits in accordance with HDFC Bank's guidelines.
• Firms and Companies: Sole proprietorships, partnership firms, and private or public limited companies are eligible to invest.
• Trusts, Societies, and Associations: Registered organisations can open fixed deposits in line with bank regulations.
• Non-Resident Indians (NRIs): Can place deposits under HDFC Bank’s NRE or NRO account facility.

Documents Required for HDFC Bank 444 days FD Scheme

To open an HDFC Bank 444 days FD scheme, customers must submit standard KYC and identification documents for verification. The list of necessary documents is given below:

• Proof of Identity: Accepted documents include Aadhaar Card, PAN Card, Passport, or Voter ID.
• Proof of Address: Customers can provide Aadhaar, Passport, a recent utility bill, or a latest bank statement showing their current address.
• Photograph: A recent passport-size photograph is required for offline applications.
• PAN Card: Mandatory for all customers for TDS deduction and tax compliance purposes.
• Linked Bank Account: A linked bank account may be required to facilitate interest payouts and credit of maturity proceeds, depending on the mode of deposit.
• KYC Verification: Can be completed digitally through e-KYC for online deposits or by submitting physical documents for offline applications.

How to Apply for HDFC Bank 444 Days FD Scheme?

Investors can open an HDFC Bank 444 days FD Scheme conveniently online and offline. The process is simple and can be completed in a few steps.

Online Application Process

Follow the steps below to apply online for an HDFC Bank 444 days FD Scheme through NetBanking or the Mobile Banking App:

• Log In to NetBanking or Mobile App: Access your HDFC Bank account using valid login credentials.
• Navigate to the Deposits Section: Go to the “Deposits” tab and select “Open New Fixed Deposit.”
• Choose Deposit Type: Select the 444-Day FD option (if available) or choose the applicable fixed deposit tenure.
• Enter Deposit Details: Provide the deposit amount, tenure, and interest payout preference.
• Review and Confirm Details: Verify the tenure, investment amount, and applicable HDFC Bank FD interest rate before proceeding.
• Complete the Transaction: The amount will be debited from your linked account, and the FD advice will be generated instantly.

Offline Application Process

Customers preferring to visit a branch can apply for an HDFC Bank 444 days FD scheme using the following process:

• Visit the Nearest Branch: Go to any HDFC Bank branch and request the Fixed Deposit application form.
• Fill out the Application Form: Enter details such as deposit amount, tenure, nominee, and interest payout option.
• Submit KYC Documents: Provide PAN, Aadhaar, address proof, and a passport-size photograph for verification.
• Deposit the Amount: Pay the deposit amount through cheque, cash, or account transfer as per bank guidelines.
• Select Renewal Preference: Choose whether you want the deposit to renew automatically or close on maturity.
• Receive FD Acknowledgement: Collect the FD receipt or advice slip containing details of your fixed deposit once processing is complete.

HDFC Bank 444 Days FD Interest Calculation Example

Suppose a customer invests ₹3,00,000 in HDFC Bank 444 Days FD Scheme at an interest rate of 6.25% p.a. for general citizens. The estimated returns can be calculated as follows:

Simple Interest Calculation (₹3,00,000 at 6.25% for 444 Days)

SI = (3,00,000 × 6.25 × 444/365) / 100

SI ≈ ₹22,808.22

Maturity Amount = ₹3,00,000 + ₹22,808.22 = ₹3,22,808.22

Compound Interest Calculation (Quarterly Compounding, 6.25% for 444 Days)

A = 3,00,000 × (1 + 0.0625 / 4)^(4 × 444/365)

A ≈ ₹3,23,507.41

Compound Interest = ₹3,23,507.41 − ₹3,00,000 = ₹23,507.41

Tax Implications of HDFC Bank FD Returns

Interest earned on HDFC Bank fixed deposits is taxable under "Income from Other Sources" and must be included in the depositor's total taxable income for the financial year. From April 1, 2025, Tax Deducted at Source (TDS) is deducted if the total FD interest earned with HDFC Bank exceeds ₹50,000 in a financial year for general customers or ₹1,00,000 for senior citizens. The applicable TDS rate is 10% if PAN is provided and 20% if PAN is not furnished. TDS is only an advance tax deduction, and the final tax liability depends on the depositor's total taxable income and applicable income tax slab.

Key Takeaways

The HDFC Bank 444 Days FD Scheme is offered for a specific tenure with competitive FD interest rates and flexible interest payout options. It can be opened online through NetBanking or Mobile Banking, or offline at any bank branch. The minimum deposit amount is ₹5,000, making it accessible to a wide range of depositors. Depositors can conveniently access and manage their fixed deposit details through the bank's digital channels or branch services.