Terms & Conditions
- *T&C Applied. Returns guaranteed by the Insurer as per the Insurance Plans.
- **Returns guaranteed by the insurer
- *** Tax adjusted Returns - assuming 30% tax bracket
Bank of Baroda FD Rates, January 2020
| Tenure | Interest Rates for Regular Deposit | Interest Rates for Senior Citizen |
|---|---|---|
| 7 days to 14 days | 4.50% | 5.00% |
| 15 days to 45 days | 4.50% | 5.00% |
| 46 days to 90 days | 4.75% | 5.25% |
| 91 days to 180 days | 5.50% | 6.00% |
| 181 days to 270 days | 5.90% | 6.40% |
| 271 days to 364 days | 5.90% | 6.40% |
| 400 days to 2 years | 6.25% | 6.75% |
| 1 year | 6.25% | 6.75% |
| 1 year 1 day to 400 days | 6.30% | 6.80% |
| 2 years 1 day to 3 years | 6.25% | 6.75% |
| 3 years 1 day to 5 years | 6.25% | 6.75% |
| 5 years 1 day to 10 years | 6.25% | 6.75% |
Investment Amount Minimum - Rs. 15,01,000 Maximum- Rs. 10,00,00,000
Tenure Minimum - 7 daysMaximum- 10 Years
Hassle-free Account Opening Open an account at your best comfort while lying on the bed or sitting in the office. Log on to the bank website and follow the instructions
Low Investment Options You can start the investment with Rs 1000 only for 15 days or above
Bank of Baroda FD Interest Rates
With its headquarters in Gujarat, Bank of Baroda boasts of being an Indian bank which is state-owned financial and international banking service. The biggest plus point is that it is the second largest bank in the country with the Stat Bank of India at the number one position.
Among its various services provided, State Bank of India fixed deposit scheme is a fine option that allows customers to enjoy investing their money and enjoying good returns on their investments in a specific time. State Bank of India fixed deposit tenure ranges from a minimum of 1 year to up to 10 years.
The fd rates in State Bank of India is at a minimum of 4.00% per annum, while this rate goes up to 5.00% per annum. As for the fixed deposit in State Bank of India, it can go above Rs.10 crores to Rs.25 crores for domestic investors.
The bank has been slotted at the number 801 position on the Forbes Global 2000 list, according to 2014 data. It should be known that the found was established by Maharaja Sayajirao Gaekwad III, the Maharaja of Baroda, in 1908. Back in 1969, the bank was nationalised along with other 13 significant commercial banks.
Bank of Baroda Fixed Deposit Rates
It is advisable to reconfirm the FD Rates from the bank before making any decision on basis of data provided below.
For Domestic Deposits - Above 10 Crore to Less than 25 Crore (w.e.f. 05.10.19)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) | |
| General | Senior Citizen | ||
| 7 days to 14 days | Above Rs. 10 cr to Rs 25 cr | 4.50 | N.A |
| 15 days to 45 days | Above Rs. 10 cr to Rs 25 cr | 4.50 | N.A |
| 46 days to 90 days | Above Rs. 10 cr to Rs 25 cr | 4.75 | N.A |
| 91 days to 180 days | Above Rs. 10 cr to Rs 25 cr | 5.25 | N.A |
| 181 days to 270 days | Above Rs. 10 cr to Rs 25 cr | 5.60 | N.A |
| 271 days and Above and less than 1 year | Above Rs. 10 cr to Rs 25 cr | 5.60 | N.A |
| 1 year | Above Rs. 10 cr to Rs 25 cr | 6.00 | N.A |
| Above 1 year and upto 2 years | Above Rs. 10 cr to Rs 25 cr | 6.00 | N.A |
| Above 2 year and upto 3 years | Above Rs. 10 cr to Rs 25 cr | 6.00 | N.A |
| Above 3 Years and upto 5 Years | Above Rs. 10 cr to Rs 25 cr | 6.00 | N.A |
For Domestic Deposits - Above 100 (w.e.f. 05.10.19)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) | |
| General | Senior Citizen | ||
| 7 days to 14 days | Above Rs. 100 cr | 4.50 | N.A |
| 15 days to 45 days | Above Rs. 100 cr | 4.50 | N.A |
| 46 days to 90 days | Above Rs. 100 cr | 4.75 | N.A |
| 91 days to 180 days | Above Rs. 100 cr | 5.25 | N.A |
| 240 days to 270 days | Above Rs. 100 cr | 5.60 | N.A |
| 271 days & above and less than 1 year | Above Rs. 100 cr | 5.60 | N.A |
| 1 year | Above Rs. 100 cr | 6.00 | N.A |
| Above 1 year and upto 2 years | Above Rs. 100 cr | 6.00 | N.A |
| Above 2 year and upto 3 years | Above Rs. 100 cr | 6.00 | N.A |
| Above 3 Years and upto 5 Years | Above Rs. 100 cr | 6.00 | N.A |
For Domestic Deposits - Above 25 Crore to 50 Crore (w.e.f. 05.10.19)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) | |
| General | Senior Citizen | ||
| 7 days to 14 days | Above Rs. 25 cr to Rs 50 cr | 4.50 | N.A |
| 15 days to 45 days | Above Rs. 25 cr to Rs 50 cr | 4.50 | N.A |
| 46 days to 90 days | Above Rs. 25 cr to Rs 50 cr | 4.75 | N.A |
| 91 days to 180 days | Above Rs. 25 cr to Rs 50 cr | 5.25 | N.A |
| 181 days to 270 days | Above Rs. 25 cr to Rs 50 cr | 5.60 | N.A |
| 271 days and Above and less than 1 year | Above Rs. 25 cr to Rs 50 cr | 5.60 | N.A |
| 1 year | Above Rs. 25 cr to Rs 50 cr | 6.00 | N.A |
| Above 1 year and upto 2 years | Above Rs. 25 cr to Rs 50 cr | 6.00 | N.A |
| Above 2 year and upto 3 years | Above Rs. 25 cr to Rs 50 cr | 6.00 | N.A |
| Above 3 Years and upto 5 Years | Above Rs. 25 cr to Rs 50 cr | 6.00 | N.A |
For Domestic Deposits - Above 50 Crore to 100 Crore (w.e.f. 05.10.19)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) | |
| General | Senior Citizen | ||
| 7 days to 14 days | Above Rs. 50 cr to Rs 100 cr | 4.50 | N.A |
| 15 days to 45 days | Above Rs. 50 cr to Rs 100 cr | 4.50 | N.A |
| 46 days to 90 days | Above Rs. 50 cr to Rs 100 cr | 4.75 | N.A |
| 91 days to 180 days | Above Rs. 50 cr to Rs 100 cr | 5.25 | N.A |
| 240 days to 270 days | Above Rs. 50 cr to Rs 100 cr | 5.60 | N.A |
| 1 year | Above Rs. 50 cr to Rs 100 cr | 6.00 | N.A |
| Above 1 year and upto 2 years | Above Rs. 50 cr to Rs 100 cr | 6.00 | N.A |
| Above 2 year and upto 3 years | Above Rs. 50 cr to Rs 100 cr | 6.00 | N.A |
| Above 3 Years and upto 5 Years | Above Rs. 50 cr to Rs 100 cr | 6.00 | N.A |
For Domestic Deposits - Less than 2 Crore (w.e.f. 31.08.19)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) | |
| General | Senior Citizen | ||
| 7 days to 14 days | Less than Rs. 1 cr | 4.50 | 5.00 |
| 15 days to 45 days | Less than Rs. 1 cr | 4.50 | 5.00 |
| 46 days to 90 days | Less than Rs. 1 cr | 4.75 | 6.25 |
| 91 days to 180 days | Less than Rs. 1 cr | 5.50 | 6.75 |
| 181 days to 270 days | Less than Rs. 1 cr | 6.00 | 7.00 |
| 271 days to less than 1 year | Less than Rs. 1 cr | 6.00 | 7.00 |
| 1 year | Less than Rs. 1 cr | 6.45 | 7.40 |
| 1 year and above up to 2 years | Less than Rs. 1 cr | 6.55 | 7.40 |
| Above 2 Years and upto 3 Years | Less than Rs. 1 cr | 6.45 | 7.25 |
| Above 3 Years and upto 5 Years | Less than Rs. 1 cr | 6.25 | 7.25 |
| Above 5 Years and upto 10 Years | Less than Rs. 1 cr | 6.25 | 7.00 |
For Domestic Deposits - 1 Crore to 10 Crore (w.e.f. 05.10.19)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) | |
| General | Senior Citizen | ||
| 7 days to 14 days | Rs. 1 cr to Rs. 10 Cr | 4.50 | N.A |
| 15 days to 45 days | Rs. 1 cr to Rs. 10 Cr | 4.50 | N.A |
| 46 days to 90 days | Rs. 1 cr to Rs. 10 Cr | 4.75 | N.A |
| 91 days to 180 days | Rs. 1 cr to Rs. 10 Cr | 5.25 | N.A |
| 181 days to 270 days | Rs. 1 cr to Rs. 10 Cr | 5.60 | N.A |
| 271 days to less than 1 year | Rs. 1 cr to Rs. 10 Cr | 5.60 | N.A |
| 1 year | Rs. 1 cr to Rs. 10 Cr | 6.00 | N.A |
| 1 year and above up to 2 years | Rs. 1 cr to Rs. 10 Cr | 6.00 | N.A |
| Above 2 Years and upto 3 Years | Rs. 1 cr to Rs. 10 Cr | 6.00 | N.A |
| Above 3 Years and upto 5 Years | Rs. 1 cr to Rs. 10 Cr | 6.00 | N.A |
| Above 5 Years and upto 10 Years | Rs. 1 cr to Rs. 10 Cr | 6.00 | N.A |
| Above 10 Years and upto 20 Years | Rs. 1 cr to Rs. 10 Cr | 6.00 | N.A |
Tax Saver FD (Max Deposit - 1 LPA)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) | |
| General | Senior Citizen | ||
| Tax Savings Scheme - 5 years | Less than Rs. 1 cr | 6.75 | N.A |
| Above 5 years to up to 10 years | Less than Rs. 1 cr | 6.75 | N.A |
Tax Implications
- The amount invested in Fixed Deposit with a tenure of 5 years with Allahabad Bank is eligible for tax deduction under IT section 80C, whereas the interest earned on the investment is taxable.
- The applicable tax will be deducted at source, i.e. Bank of Baroda, in case the annual interest earned crosses Rs. 10,000.
For NRO - Rs. 10 Crore to Less than Rs. 25 crore (w.e.f. 05.10.19)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) |
| 7 days to 14 days | Above Rs. 10 cr to Rs 25 cr | 4.50 |
| 15 days to 45 days | Above Rs. 10 cr to Rs 25 cr | 4.50 |
| 46 days to 90 days | Above Rs. 10 cr to Rs 25 cr | 4.75 |
| 91 days to 180 days | Above Rs. 10 cr to Rs 25 cr | 5.25 |
| 181 days to 270 days | Above Rs. 10 cr to Rs 25 cr | 5.60 |
| 271 days to less than 1 year | Above Rs. 10 cr to Rs 25 cr | 5.60 |
| 1 year and above up to 2 years | Above Rs. 10 cr to Rs 25 cr | 6.00 |
| 1 year | Above Rs. 10 cr to Rs 25 cr | 6.00 |
| Above 2 Years and upto 3 Years | Above Rs. 10 cr to Rs 25 cr | 6.00 |
| Above 3 Years and upto 5 Years | Above Rs. 10 cr to Rs 25 cr | 6.00 |
For NRO - Above Rs. 100 Crore (w.e.f. 05.10.19)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) |
| 7 days to 14 days | Above Rs. 100 cr | 4.50 |
| 15 days to 45 days | Above Rs. 100 cr | 4.50 |
| 46 days to 90 days | Above Rs. 100 cr | 4.75 |
| 91 days to 180 days | Above Rs. 100 cr | 5.25 |
| 240 days to 270 days | Above Rs. 100 cr | 5.60 |
| 331 days to less than 1 years | Above Rs. 100 cr | 4.00 |
| 1 year | Above Rs. 100 cr | 6.00 |
| Above 1 year and upto 2 years | Above Rs. 100 cr | 6.00 |
| Above 2 year and upto 3 years | Above Rs. 100 cr | 6.00 |
| Above 3 Years and upto 5 Years | Above Rs. 100 cr | 6.00 |
For NRO - Above Rs. 25 Crore to Rs. 50 Crore (w.e.f. 05.10.19)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) |
| 7 days to 14 days | Above Rs. 25 cr to Rs 50 cr | 4.50 |
| 15 days to 45 days | Above Rs. 25 cr to Rs 50 cr | 4.50 |
| 46 days to 90 days | Above Rs. 25 cr to Rs 50 cr | 4.75 |
| 91 days to 180 days | Above Rs. 25 cr to Rs 50 cr | 5.25 |
| 181 days to 270 days | Above Rs. 25 cr to Rs 50 cr | 5.60 |
| 271 days to less than 1 year | Above Rs. 25 cr to Rs 50 cr | 5.60 |
| 1 year and above up to 2 years | Above Rs. 25 cr to Rs 50 cr | 6.00 |
| 1 year | Above Rs. 25 cr to Rs 50 cr | 6.00 |
| Above 2 Years and upto 3 Years | Above Rs. 25 cr to Rs 50 cr | 6.00 |
| Above 3 Years and upto 5 Years | Above Rs. 25 cr to Rs 50 cr | 6.00 |
For NRO - Above Rs. 50 Crore to Rs. 100 Crore (w.e.f. 05.10.19)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) |
| 7 days to 14 days | Above Rs. 50 cr to Rs 100 cr | 4.50 |
| 15 days to 45 days | Above Rs. 50 cr to Rs 100 cr | 4.50 |
| 46 days to 90 days | Above Rs. 50 cr to Rs 100 cr | 4.75 |
| 91 days to 180 days | Above Rs. 50 cr to Rs 100 cr | 5.25 |
| 240 days to 270 days | Above Rs. 50 cr to Rs 100 cr | 5.60 |
| 331 days to less than 1 years | Above Rs. 50 cr to Rs 100 cr | 5.60 |
| 1 year | Above Rs. 50 cr to Rs 100 cr | 6.00 |
| Above 1 year and upto 2 years | Above Rs. 50 cr to Rs 100 cr | 6.00 |
| Above 2 year and upto 3 years | Above Rs. 50 cr to Rs 100 cr | 6.00 |
| Above 3 Years and upto 5 Years | Above Rs. 50 cr to Rs 100 cr | 6.00 |
For NRO - Less than Rs. 2 Crore (w.e.f. 31.08.19)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) |
| 7 days to 14 days | Less than Rs. 1 cr | 4.50 |
| 15 days to 45 days | Less than Rs. 1 cr | 4.50 |
| 46 days to 90 days | Less than Rs. 1 cr | 4.75 |
| 91 days to 180 days | Less than Rs. 1 cr | 5.50 |
| 181 days to 270 days | Less than Rs. 1 cr | 6.00 |
| 271 days to less than 1 year | Less than Rs. 1 cr | 6.00 |
| 1 year and above up to 2 years | Less than Rs. 1 cr | 6.60 |
| 1 year | Less than Rs. 1 cr | 6.45 |
| Above 2 Years and upto 3 Years | Less than Rs. 1 cr | 6.45 |
| Above 3 Years and upto 5 Years | Less than Rs. 1 cr | 6.25 |
| Above 5 Years and upto 10 Years | Less than Rs. 1 cr | 6.25 |
For NRO - Rs. 2 Crore to Rs. 10 Crore (w.e.f. 05.10.19)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) |
| 7 days to 14 days | Rs. 1 cr to Rs. 10 Cr | 4.50 |
| 15 days to 45 days | Rs. 1 cr to Rs. 10 Cr | 4.50 |
| 46 days to 90 days | Rs. 1 cr to Rs. 10 Cr | 4.75 |
| 91 days to 180 days | Rs. 1 cr to Rs. 10 Cr | 5.25 |
| 181 days to 270 days | Rs. 1 cr to Rs. 10 Cr | 5.60 |
| 271 days to less than 1 year | Rs. 1 cr to Rs. 10 Cr | 5.60 |
| 1 year and above up to 2 years | Rs. 1 cr to Rs. 10 Cr | 6.00 |
| 1 year | Rs. 1 cr to Rs. 10 Cr | 6.00 |
| Above 2 Years and upto 3 Years | Rs. 1 cr to Rs. 10 Cr | 6.00 |
| Above 3 Years and upto 5 Years | Rs. 1 cr to Rs. 10 Cr | 6.00 |
| Above 5 Years and upto 10 Years | Rs. 1 cr to Rs. 10 Cr | 6.00 |
| Above 10 Years and upto 20 Years | Rs. 1 cr to Rs. 10 Cr | 6.00 |
For NRO - Above Rs. 10 Crore Lakh to Rs. 25 Crore (w.e.f. 05.10.19)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) |
| 1 year | Above Rs. 10 cr lakh to Rs. 25 Cr | 6.00 |
| Above 1 year up to 2 years | Above Rs. 10 cr lakh to Rs. 25 Cr | 6.00 |
| Above 2 year up to 3 years | Above Rs. 10 cr lakh to Rs. 25 Cr | 6.00 |
For NRE - Above Rs. 100 Crore (w.e.f. 05.10.19)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) |
| 1 year | Above Rs. 100 Cr | 6.00 |
For NRE - Above Rs. 25 Crore Lakh to Rs. 50 Crore (w.e.f. 05.10.19)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) |
| 1 year | Above Rs. 25 cr lakh to Rs. 50 Cr | 6.00 |
| Above 1 year up to 2 years | Above Rs. 25 cr lakh to Rs. 50 Cr | 6.00 |
| Above 2 year up to 3 years | Above Rs. 25 cr lakh to Rs. 50 Cr | 6.00 |
For NRE - Above Rs. 50 Crore to Rs. 100 Crore (w.e.f. 05.10.19)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) |
| 1 year | Above Rs. 50 cr to Rs. 100 Cr | 6.00 |
For NRE - Less than Rs. 2 Crore (w.e.f. 31.08.19)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) |
| 1 year | less than Rs. 1 Cr | 6.45 |
| Above 1 year and up to 2 years | less than Rs. 1 Cr | 6.60 |
| Above 2 year and up to 3 years | less than Rs. 1 Cr | 6.45 |
| Above 3 year and up to 5 years | less than Rs. 1 Cr | 6.25 |
| Above 5 Years and upto 10 Years | less than Rs. 1 Cr | 6.25 |
For NRE - Rs. 2 Crore Lakh to Rs. 10 Crore (w.e.f. 05.10.19)
| MATURITY PERIOD | DEPOSIT AMOUNT | INTEREST RATE (% p.a.) |
| Above 1 year and up to 2 years | Rs. 1 cr lakh to Rs. 10 Cr | 6.00 |
| 1 year | Rs. 1 cr lakh to Rs. 10 Cr | 6.00 |
| Above 2 year and up to 3 years | Rs. 1 cr lakh to Rs. 10 Cr | 6.00 |
| Above 3 year and up to 10 years | Rs. 1 cr lakh to Rs. 10 Cr | 6.00 |
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