Canara Bank 444 Days FD 2026 : If you’re someone who prefers safe investments over risky market options, then fixed deposits are probably already on your radar. In 2026, Canara Bank has once again grabbed attention with its special 444 Days Fixed Deposit (FD) scheme. This plan is designed for people who want better returns than a regular savings account without worrying about market ups and downs. Backed by a government-owned public sector bank, this FD offers a mix of safety, stability, and decent returns, making it a popular choice among Indian investors.
What Makes the 444 Days FD Special
The 444 Days FD is not your usual fixed deposit. What makes it stand out is its unique tenure and slightly higher interest rates compared to standard FDs. Instead of locking your money for years, this scheme gives you a medium-term option of exactly 444 days, which is perfect for short-term financial planning. Whether you’re saving for a wedding, education, or just building an emergency fund, this duration feels practical and manageable. You can choose between callable and non-callable options. Callable FDs allow premature withdrawal, while non-callable ones offer slightly higher interest rates but come with restrictions, usually for larger deposits.
Latest Interest Rates in February 2026
As of February 2026, Canara Bank is offering quite competitive interest rates under this scheme. General customers can earn around 6.45 percent annually on callable deposits. Senior citizens, who are above 60 years of age, get a better deal with about 6.95 percent interest. For super senior citizens aged 80 years and above, the returns can go up to approximately 7.55 percent, which is quite attractive for a safe investment option. These rates have been effective since January 5, 2026, and apply to deposits below ₹3 crore. Compared to many other public sector banks, these rates are definitely on the higher side for this specific tenure.
Easy Way to Open the FD
Opening this FD is simple and hassle-free, which makes it even more appealing. If you prefer online banking, you can easily open the FD through Canara Bank’s mobile app or internet banking portal. Just log in, select the 444 Days FD option, enter your deposit amount, and confirm the transaction. The minimum investment starts at ₹25,000, making it accessible for most people. If you’re more comfortable with offline methods, you can visit your nearest branch with basic documents like Aadhaar and PAN card. The bank staff will guide you through the process, and you’ll receive your deposit confirmation almost instantly.
Extra Benefits You Will Love
Apart from good interest rates, this FD comes with a bunch of useful features. One major advantage is the loan facility, where you can borrow up to 90 percent of your FD amount in case of emergencies. This means your investment remains intact while you still get access to funds when needed. You can also choose how you want to receive your interest—monthly, quarterly, or at maturity—depending on your financial needs. The nomination facility ensures that your family members can easily claim the amount if required. Another convenient feature is auto-renewal, which automatically reinvests your FD after maturity for another 444 days unless you choose otherwise.
Final Thoughts
Overall, the Canara Bank 444 Days FD 2026 is a solid option for anyone looking for safe and steady returns. It’s especially suitable for conservative investors who don’t want to take risks in the stock market but still want better returns than a regular savings account. With interest rates going up to 7.55 percent for super senior citizens, along with flexible options and strong security, this scheme ticks most of the right boxes. If you have idle funds sitting in your savings account, this could be a smart way to make them work for you without stress.
Disclaimer :
This article is for informational purposes only and should not be considered financial advice. Interest rates, terms, and conditions of fixed deposits may change based on bank policies and RBI guidelines. Investors are advised to verify details directly from Canara Bank’s official website or branch before making any investment decision. Please assess your financial goals and risk tolerance or consult a financial advisor to ensure the scheme suits your individual needs.
