Karur Vysya Bank Special FD Schemes

What are Karur Vysya Bank Special FD Schemes 2026?

Karur Vysya Bank’s special fixed deposit schemes operate like regular FDs but offer enhanced returns on select tenures, such as the KVB 333 Days FD and KVB 444 Days FD, suited for short-term investments that provide steady and rewarding returns. Many customers check the latest Karur Vysya Bank FD rates along with the KVB FD interest rates for 333 days and 444 days to compare them with regular deposits. The bank also has longer deposit options for those who prefer stable, long-term growth.

Karur Vysya Bank Special FD Schemes Rates 2026

Karur Vysya Bank provides a range of special fixed deposit schemes catering to varying financial goals and timelines. Below are the indicative FD interest rates for deposits below ₹3 crore.

KVB FD Interest Rate 333 Days 2026

The 333 Days FD is a short-term special deposit offering higher liquidity and fixed returns. Investors can check the latest KVB FD interest rates for 333 days to evaluate returns and choose the most suitable short-term investment option.

*Karur Vysya Bank FD Rates 333 Days w.e.f. September 26, 2025

KVB FD Interest Rates 400 Days 2026

The 400 Days FD from Karur Vysya Bank is a special fixed deposit scheme that offers attractive returns with a convenient short-term tenure, suitable for investors seeking steady growth within a year.

*Karur Vysya Bank FD Rates 400 Days w.e.f. September 26, 2025

KVB FD Interest Rates 444 Days 2026

The 444 Days FD from Karur Vysya Bank is one of the most preferred special schemes, combining attractive returns and a moderate tenure. Investors often review the latest KVB FD interest rates 444 days to compare returns and plan their deposits effectively.

*Karur Vysya Bank FD Rates 444 Days w.e.f. September 26, 2025

KVB Green Deposit (2345 Days) Interest Rate 2026

The KVB Green Deposit (2345 Days) is a long-term fixed deposit scheme that supports sustainable banking initiatives while offering steady and assured returns.

*Karur Vysya Bank FD Rates Green Deposit (2345 Days) w.e.f. September 26, 2025

Key Features of Karur Vysya Bank Special FD Schemes

KVB’s special deposits are designed to offer convenience, flexibility, and reliability. The main highlights include:

• Exclusive Tenures: Special deposit periods like 333 days and 444 days, offering higher yields than standard FDs.
• Minimum Deposit: Investors can start with as low as ₹100, making it accessible for small and medium savers.
• Interest Payout Options: Choose between cumulative or non-cumulative payouts monthly, quarterly, or at maturity.
• Loan/Overdraft Facility: Borrow up to 90% of the FD amount without closing the deposit, ensuring liquidity when needed.
• Auto-Renewal: Automatically renew your deposit upon maturity, ensuring uninterrupted interest accumulation.
• Nomination Facility: Available to ensure easy transfer of funds to nominees in case of unforeseen events.

Eligibility Criteria for Karur Vysya Bank Special FD Schemes

The KVB Special FD Schemes are open to a broad spectrum of customers, including:

• Resident individuals (single or joint)
• Minors under guardian supervision
• Hindu Undivided Families (HUFs)
• Proprietorships, partnerships, and LLPs
• Societies, trusts, and associations
• Government departments and public institutions

Interest Calculation Illustrations

To understand the working of KVB Special FD Schemes, here are sample calculations for both 333 days and 444 days deposits.

Illustration 1: KVB 333 Days FD

If an investor deposits ₹1,20,000 for 333 days at 6.65% p.a. (general citizen):

Simple Interest:

(₹1,20,000 × 6.65 × 0.91) / 100 = ₹7,269

Maturity Value: ₹1,27,269

Compound Interest (Quarterly):

A = ₹1,20,000 × (1 + 0.0665 / 4)^(4 × 0.91)

A ≈ ₹1,27,320

Compound Interest Earned: ₹7,320

Illustration 2: KVB 444 Days FD

If a depositor invests ₹1,50,000 for 444 days at 7.25% p.a. (general citizen):

Simple Interest:

(₹1,50,000 × 7.25 × 1.22) / 100 = ₹13,268

Maturity Value: ₹1,63,268

Compound Interest (Quarterly):

A = ₹1,50,000 × (1 + 0.0725 / 4)^(4 × 1.22)

A ≈ ₹1,63,530

Compound Interest Earned: ₹13,530

Taxation on Karur Vysya Bank Special FD Returns

Interest earned on KVB Fixed Deposits is taxable under the head Income from Other Sources as per the Income Tax Act, 1961. TDS is deducted if the total annual interest exceeds ₹50,000 for individuals or ₹1,00,000 for senior citizens. The deduction rate is 10% when a valid PAN is provided and 20% if it is not. Eligible depositors can submit Form 15G (for individuals below 60 years) or Form 15H (for senior citizens) to avoid TDS deduction, provided their total income falls below the taxable limit.

Key Takeaways

Karur Vysya Bank Special FD Schemes 2026 offer secure and rewarding investment options for individuals seeking short-term growth and reliable returns. Investors can check the latest KVB 444 days FD interest rate and KVB 333 days FD interest rate to compare returns and plan their deposits effectively. With features like premature withdrawal, auto-renewal, and loan facilities against deposits, these fixed deposits ensure a balanced mix of safety, liquidity, and steady income.