Bank of Baroda FD interest rates range from 3.50% to 6.60% per annum for general citizens and 4.00% to 7.10% per annum for senior citizens, for tenures starting from 7 days up to 10 years. You can choose from various FD schemes, such as the BOB Square Drive Deposit, BOB Liquid Fixed Deposits, and BOB Tax Saving FD, to meet your investment goals and liquidity needs.
Guaranteed return plans provide assured returns and the security of a life cover. These plans are an excellent option for risk-averse investors, as they are not affected by market fluctuations.
Bank of Baroda Fixed Deposit (FD) is a secure investment option where you deposit a lump sum for a chosen tenure and earn guaranteed returns. The bank offers interest rates of up to 6.60% for general citizens and 7.10% p.a. for senior citizens, making it a reliable choice. The schemes available under Bank of Baroda FD such as the BOB Square Drive Deposit Scheme, BOB Liquid Fixed Deposits Scheme, and BOB Tax Saving Fixed Deposit Account. By investing in Bank of Baroda FD, you can enjoy loans against fixed deposits, Easy liquidation, and a Tax threshold for interest.
When choosing an investment, it's important to understand the distinctions between options. Fixed deposits offer guaranteed returns and security, while other products, such as guaranteed return plans and mutual funds, can provide growth opportunities with different degrees of risk.
7 days to 10 years
Rs 1,000
NIL
Up to 90%
Up to 1% penalty
0.5% higher than usual
Available
Yes Applicable
The top 5 banks, including Bank of Baroda, are offering the highest FD interest rates for schemes like the 444-day deposit scheme. BOB currently offers 6.60% p.a. for general citizens and 7.10% for senior citizens, as of October 2025.
Here’s a detailed breakdown of Bank of Baroda’s latest Fixed Deposit 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 | 6.25% | 6.75% |
| 1 Year to 1.1 Years | 6.50% | 7.00% |
| 1.2 Years | 6.60% | 7.10% |
| 1.1 Years to 2 Years | 6.50% | 7.00% |
| 2 Years to 3 Years | 6.40% | 7.00% |
| 3 Years to 5 Years | 6.00% | 7.00% |
| 5 Years to 10 Years | 5.50% | 6.00% |
| TENOR | General Citizens | Senior Citizens ** |
| 7D to 14D | 3.5% p.a. | 4.00% p.a. |
| 15D to 45D | 3.75% p.a. | 4.25% p.a. |
| 46D to 90D | 5.35% p.a. | 5.85% p.a. |
| 91D to 180D | 4.75% p.a. | 5.25% p.a. |
| 181D to 210D | 5.50% p.a. | 6.00% p.a. |
| 211D to 270D | 5.50% p.a. | 6.00% p.a. |
| 271D to less than 1Y | 5.75% p.a. | 6.25% p.a. |
| 1 Year | 6.25% p.a. | 6.75% p.a. |
| Above 1Y to 15M | 6.00% p.a. | 6.50% p.a. |
| Above 15M to 2Y | 6.00% p.a. | 6.50% p.a. |
| Above 2Y to 3Y | 5.50% p.a. | 6.00% p.a. |
| Above 3Y to 5Y | 5.00% p.a. | 5.50% p.a. |
| Above 5Y and upto 10Y | 4.50% p.a. | 5.00% p.a. |
Note: These FD interest rates are for deposits above ₹3 crore to ₹4 crore
*Bank of Baroda FD interest rates w.e.f. October 14, 2025
**Senior citizens will receive an additional 0.5%
| Bank Name | Lowest Rate | Highest Rate |
| State Bank Of India | 3.05% | 6.6% |
| ICICI Bank | 2.75% | 6.6% |
| HDFC Bank | 2.75% | 6.6% |
| Axis Bank | 3% | 6.6% |
| Punjab National Bank | 3% | 6.6% |
| Kotak Mahindra Bank | 2.75% | 6.6% |
| Yes Bank | 3.25% | 7.75% |
| Bank of Baroda | 3.5% | 6.6% |
| IndusInd Bank | 3.25% | 7% |
| Indian Bank | 2.8% | 6.7% |
| Union Bank of India | 3.4% | 6.6% |
| Bank of India | 3% | 6.6% |
| Canara Bank | 4% | 7.25% |
| IDBI Bank | 3% | 6.65% |
| Indian Overseas Bank | 3.5% | 6.8% |
| Bank of Maharashtra | 2.75% | 6.7% |
| Central Bank of India | 3.5% | 6.75% |
| Punjab and Sind Bank | 3% | 6.7% |
| UCO Bank | 2.75% | 5% |
| RBL Bank | 3.5% | 7.2% |
| PNB Housing Finance | 3.25% | 6.6% |
| Federal Bank | 3% | 6.7% |
| Bandhan Bank | 2.95% | 7.2% |
| South Indian Bank | 2.9% | 6.6% |
| Karur Vysya Bank | 4% | 6.65% |
| Tamilnad Mercantile Bank | 4% | 7.05% |
| Karnataka Bank | 3.5% | 6.65% |
| DBS Bank | 2.75% | 6.55% |
| 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% | 7.65% |
| Unity Small Finance Bank | 4% | 6.75% |
| Suryoday Small Finance Bank | 4% | 8.05% |
| DCB Bank | 3.75% | 7.2% |
| Equitas Small Finance Bank | 3.5% | 7.4% |
| ESAF Small Finance bank | 2.75% | 7.6% |
| Karnataka Grameena Bank | 3.25% | 6.85% |
| North East Small Finance bank | 3.5% | 7.75% |
| Saraswat Bank | 3.25% | 6.8% |
| Shivalik Small Finance Bank | 3.5% | 7.3% |
| Ujjivan Small Finance Bank | 3.5% | 7.45% |
*FD interest rates w.e.f. October 2025 (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 Fixed Deposits offer multiple tenure options with attractive FD interest rates up to 6.60% p.a. and higher returns for senior citizens. While longer tenures may offer slightly lower rates, premature withdrawals attract a 1%–2% penalty on the interest earned. The benefits include Loan /Overdraft Against FD, flexible tenure options from 7 days to 10 years, and the Auto-sweep Facility (Baroda Suvidha). Popular schemes include the BOB Tax Saving Fixed Deposit Account, BOB Square Drive Deposit Scheme, and the BOB Liquid Fixed Deposits Scheme. It’s advisable to review all terms and conditions before investing and compare FD interest rates across banks for the best returns.
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
* The Guaranteed Returns are dependent on the policy term and premium term availed, along with the other variable factors. The 6.9% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and premium term of 10 years with a Rs . 20,000 monthly instalment premium. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
** The Life Cover amount varies as per plan specifications. Please read the policy document for details.
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
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