Bank of Baroda FD rates range from 3.50% to 6.45% p.a. for general citizens and 4.00% to 7.00% p.a. for senior citizens, for tenures ranging from 7 days to 10 years. Bank of Baroda tax-saving FD rates range from 6.00% to 6.30% for general depositors, and from 6.90% to 7.00% for senior and super senior citizens, with fixed tenures of 5 to 10 years.
Fixed Deposit is a secure investment option in which you deposit a lump sum for a chosen tenure and earn guaranteed returns. The special Bank of Baroda NRE Account facility is for the NRIs to invest their money in 5 different currencies, like USD, GBP, EUR, AUD and CAD to manage savings in India. BOB special FD schemes include the Liquid Fixed Deposits Scheme, BOB Tax Saving FD, BOB Earth Green Term Deposit, and BOB Square Drive Deposit Scheme, which provides the highest rate up to 6.45% for the general citizens for deposits below 3 crore.
By investing in this FD, you can enjoy BOB loan against fixed deposits, easy liquidation, a tax threshold for interest and safety guaranteed by DICGC insurance up to ₹5 lakhs.
7 days to 10 years
Rs 1,000
NIL
Up to 90%
Up to 1% penalty
0.5% higher than usual
Available
Yes Applicable
Bank of Baroda revised its FD interest rates on January 5, 2026. After this latest update, seniors can receive a maximum of 7.00% interest from the Bank of Baroda.
Here’s a detailed breakdown of Bank of Baroda latest FD interest rates across various tenures and investment slabs:
| Tenure | Regular Rates | Senior Citizen |
| 7 Days to 14 Days | 3.50% | 4.00% |
| 15 Days to 2 Months | 3.50% | 4.00% |
| 2 Months to 3 Months | 5.00% | 5.50% |
| 3 Months to 6 Months | 5.00% | 5.50% |
| 6 Months to 7 Months | 5.50% | 6.00% |
| 7 Months to 9 Months | 5.75% | 6.25% |
| 9 Months to 12 Months | 6.00% | 6.50% |
| 1 Year | 6.10% | 6.60% |
| 1 Year to 1.1 Years | 6.25% | 6.75% |
| 1.2 Years | 6.45% | 6.95% |
| 1.1 Years to 2 Years | 6.25% | 6.75% |
| 2 Years to 3 Years | 6.30% | 6.90% |
| 3 Years to 5 Years | 6.00% | 7.00% |
| 5 Years to 10 Years | 5.50% | 6.00% |
| TENOR | Callable | Non-Callable |
| 7 days to 14 days | 3.5 | NA |
| 15 days to 45 days | 3.75 | NA |
| 46 days to 90 days | 5.40 | NA |
| 91 days to 180 days | 4.75 | NA |
| 181 days to 210 days | 5.5 | NA |
| 211 days to 270 days | 5.5 | NA |
| 271 days to less than 1 year | 5.75 | NA |
| 1 year | 6.1 | 6.2 |
| Above 1 year to 15 months | 6 | 6.1 |
| Above 15 months to 2 years | 6 | 6.1 |
| Above 2 years to 3 years | 5.5 | 5.6 |
| Above 3 years to 5 years | 5 | 5.1 |
| Above 5 years and up to 10 years | 4.5 | 4.6 |
Note: Bank of Baroda FD interest rates w.e.f. March 08, 2026. These FD interest rates apply to deposits above ₹3 crore and up to ₹5 crore.
| Bank Name | Lowest Rate | Highest Rate |
| State Bank Of India | 3.05% | 6.45% |
| ICICI Bank | 2.75% | 6.5% |
| HDFC Bank | 2.75% | 6.45% |
| Axis Bank | 3% | 6.45% |
| Punjab National Bank | 3% | 6.4% |
| Kotak Mahindra Bank | 2.75% | 6.7% |
| Yes Bank | 3.25% | 7.75% |
| Bank of Baroda | 3.5% | 6.45% |
| IndusInd Bank | 3.25% | 7% |
| Indian Bank | 2.8% | 6.45% |
| Union Bank of India | 2.75% | 6.3% |
| Bank of India | 3% | 6.7% |
| Canara Bank | 4% | 7.25% |
| IDBI Bank | 3% | 6.55% |
| Indian Overseas Bank | 2.9% | 6.6% |
| Bank of Maharashtra | 2.6% | 6.65% |
| Central Bank of India | 3% | 6.5% |
| Punjab and Sind Bank | 2.85% | 6.6% |
| UCO Bank | 2.9% | 6.45% |
| RBL Bank | 3.5% | 7.2% |
| PNB Housing Finance | 3.25% | 6.6% |
| Federal Bank | 3% | 6.75% |
| Bandhan Bank | 2.95% | 7.2% |
| South Indian Bank | 2.9% | 6.6% |
| Karur Vysya Bank | 4% | 6.65% |
| Tamilnad Mercantile Bank | 4% | 7.1% |
| Karnataka Bank | 3.5% | 6.65% |
| DBS Bank | 2.75% | 6.6% |
| Shriram Finance Ltd | 6.79% | 7.35% |
| Bajaj Finance Ltd | 6.6% | 6.95% |
| Mahindra Finance Ltd | 6.4% | 6.8% |
| Fincare Small Finance | 3% | 8.61% |
| Utkarsh | 4% | 7.5% |
| Unity Small Finance Bank | 4% | 7.25% |
| Suryoday Small Finance Bank | 4% | 8.1% |
| DCB Bank | 3.75% | 7.15% |
| Equitas Small Finance Bank | 3.5% | 7.3% |
| ESAF Small Finance bank | 2.75% | 7.6% |
| Karnataka Grameena Bank | 3.25% | 6.6% |
| North East Small Finance bank | 3.5% | 7.75% |
| Saraswat Bank | 3.25% | 6.9% |
| Shivalik Small Finance Bank | 3.5% | 7.5% |
| Ujjivan Small Finance Bank | 3.5% | 7.45% |
*FD interest rates w.e.f. April 2026 (for general public, domestic FDs < ₹3 Cr).
You can enjoy several valuable benefits when you open a Bank of Baroda Fixed Deposit. Some of the key benefits are listed below.
Opening a Fixed Deposit with Bank of Baroda (BoB) is a simple process and can be done either online or offline, depending on your convenience.
If you are a Bank of Baroda customer with access to NetBanking or the BoB World mobile app, you can open an FD in just a few minutes:
If you prefer a traditional approach, you can visit any Bank of Baroda branch to open your FD.
The Indian residents, both in a single name or jointly with other individuals. Some other eligible people are
Other than Indian individuals, the SBI FD can be opened by:
Bank of Baroda remains a reliable choice for savers in 2026, offering high returns and flexible schemes such as Bob Square Drive and Baroda Suvidha. Senior citizens earn premium rates of up to 7.00% p.a. and the added convenience of overdraft facilities. These deposits provide both security and growth. However, as the general FD interest rates at other banks are currently at their peak, it is the perfect time to lock in yields before they potentially decline.
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