PNB 444-Day Fixed Deposit Scheme is one of the most attractive options for general, senior and super senior citizens as it offers higher returns for deposits made under ₹3 Crores, than many regular FD tenures.
Interest Rates for 444 days
Interest is compounded quarterly (every 3 months), helping investors earn higher returns.
| Category | Interest Rate |
| General citizen (age less than 60 years) | 6.60% p.a. |
| Senior citizen (age between 60–80 years) | 7.10% p.a. |
| Super senior citizen (age above 80 years) | 7.40% p.a. |
Maturity Amount After 444 Days
If you invest say ₹2,00,000 in PNB 444-day FD scheme, your maturity amount will be:
| Category | Interest Amount (approx.) | Maturity Amount (approx.) |
| General | ₹13,531 | ₹2,13,531 |
| Senior | ₹14,583 | ₹2,14,583 |
| Super Senior | ₹15,215 | ₹2,15,215 |
Here,
- Senior citizens earn about ₹1,000 extra than general citizens.
- Super senior citizens earn about ₹1,700 more than general citizens.
Click Here To Know About Fixed Deposit Limits from 2026 along with New IT Rules
Premature Withdrawal Rules
If you close the Fixed Deposit before maturity, the bank will not use the 444-day interest rate instead PNB will apply a 1% penalty on the applicable interest rate.
Formula:
Actual Rate of FD Interest - 1% Penalty = Final Interest Rate
Example
| Particulars | General | Senior | Super Senior |
| FD Tenure | 444 days | 444 days | 444 days |
| Original Interest Rate | 6.60% | 7.10% | 7.40% |
| FD Closed After | 170 Days | 275 Days | 300 Days |
| Applicable Rate | 4.90% for 159 to 179 days | 6.10% for 271 to 302 Days | 6.40% for 271 to 302 Days |
| Penalty | 1% | 1% | 1% |
| Final interest Rate | 3.90% | 5.10% | 5.40% |
No Penalty on Premature Withdrawal - Situation
If your fixed deposit is closed before maturity for reinvestment into another PNB term deposit, and the new one has a longer than original period, then premature penalty may not be charged.
Also Read - TDS on Fixed Deposit Interest 2026: How To Save Tax Using New Form 121?
Conclusion
The PNB 444-day FD is a suitable option for investors seeking secure returns with competitive interest rates. Before investing, compare the applicable rates, understand the premature withdrawal rules, and choose the right FD tenure based on your financial goals to maximize your returns.
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