{
  "type": "article",
  "title": "Union Bank Of India Offers Up To 7.25% Interest On Its 444 Day FD For Senior Citizens",
  "summary": "Union Bank of India is offering up to 7.25 percent interest on its 444 day fixed deposit scheme, with senior citizens and super senior citizens getting higher rates than general customers.",
  "content": "If you are planning to open a fixed deposit account with a government owned bank, the current interest rates at Union Bank of India are worth a look. The public sector lender is offering annual interest ranging from 2.70 percent to 7.30 percent across its various FD tenures. Customers can open a fixed deposit with Union Bank of India for a period as short as 7 days or as long as 10 years, giving depositors plenty of flexibility to match a plan with their financial goals. Here is a look at how much interest the bank is currently paying on its widely tracked 444 day FD scheme, along with the additional benefits it offers to senior citizens.\n\nHow Much Interest Union Bank Pays On A 444 Day FD\nUnion Bank of India offers different interest rates on its 444 day fixed deposit scheme depending on the depositor's age. General customers up to the age of 59 years earn 6.50 percent annual interest under this scheme. Senior citizens aged 60 years or above get a higher rate of 7.00 percent on the same 444 day tenure, half a percentage point more purely because of their age. Super senior citizens, those aged 80 years or above, are offered the highest rate of 7.25 percent under this scheme. It is worth noting that all these rates apply only to deposits of less than Rs 3 crore, meaning larger deposits could attract a different set of rates.\n\nThe Extra Benefits Senior Citizens Get\nOn its fixed deposit accounts, Union Bank of India pays senior citizens 0.50 percent more interest than it pays general customers, which helps them earn a better return on their post retirement savings. Going a step further, super senior citizens earn an additional 0.25 percent over what senior citizens get. In other words, the older a depositor is, the better the return they are likely to earn on their savings. However, it is worth keeping in mind that the interest rates offered to super senior citizens vary from bank to bank, so comparing rates across banks before opening an FD can work in a depositor's favour.\n\nRates Were Last Revised On August 4\nUnion Bank of India last revised the interest rates on its fixed deposit schemes on August 4, 2026, and customers have been earning interest based on these revised rates since then. It is worth noting that, apart from Union Bank, the FD interest rates offered by other banks across the country largely depend on the repo rate set by the Reserve Bank of India. This is why whenever the RBI changes the repo rate, most banks also adjust their FD interest rates accordingly, which directly affects the returns ordinary depositors earn on their deposits.\n\nWhat this means for you\nIf you are planning to park your savings in a fixed deposit, these Union Bank of India rates can directly affect how much you earn.\n\n• For general customers: Depositors up to 59 years of age will earn 6.50 percent interest on the 444 day FD. This rate is more attractive than what many shorter tenure FD schemes offer.\n• For senior citizens: Those aged 60 years or above will earn 7.00 percent, which is 0.50 percent higher than the general rate. Retirees can use this extra interest to supplement their monthly income.\n• For super senior citizens: Depositors aged 80 years or above get the highest rate of 7.25 percent. People in this age group should carry valid age proof while opening the FD to make sure they get the correct rate.\n• For large depositors: All these rates apply only to deposits below Rs 3 crore. Customers depositing a larger amount will need to check separately with the bank for applicable rates.\n• Compare before you invest: Interest rates for super senior citizens differ from bank to bank. Comparing rates across banks before opening an FD can help depositors get a better return.\n\nQuestions & Answers\n\n1. How much interest does Union Bank of India offer on a 444 day FD?\nGeneral customers get 6.50 percent, senior citizens get 7.00 percent, and super senior citizens get 7.25 percent interest.\n\n2. What deposit amounts do these interest rates apply to?\nAll these rates apply only to deposits of less than Rs 3 crore.\n\n3. What are the minimum and maximum FD tenures at Union Bank?\nThe minimum tenure is 7 days and the maximum tenure is 10 years.\n\n4. How much more interest do senior citizens get compared to general customers?\nSenior citizens get 0.50 percent more interest than general customers.\n\n5. How much more interest do super senior citizens get compared to senior citizens?\nSuper senior citizens get 0.25 percent more interest than senior citizens.\n\n6. When did Union Bank of India last revise its FD interest rates?\nThe rates were last revised on August 4, 2026.",
  "url": "https://trendkia.com/en/money/union-bank-of-india-ki-444-dina-vali-skima-men-siniyara-sitijansa-ko-milega-7-pratishata-se-jyada-byaja-29062",
  "category": "Money",
  "publishedAt": "2026-09-07",
  "tags": [
    "Union Bank of India",
    "FD interest rate",
    "fixed deposit",
    "senior citizen FD",
    "444 day FD",
    "bank interest rates"
  ],
  "language": "en",
  "site": "TrendKia"
}