Bank of Baroda FD interest rates range from 3.50% to 6.30% per annum for general citizens and 4.00% to 7.00% 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.
Bank of Baroda Fixed Deposit 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 6.30% p.a. for general citizens and 7.00% p.a. for senior citizens. The FD schemes include the BOB Liquid Fixed Deposits Scheme, BOB Tax Saving Fixed Deposit Account, 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 loans 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’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 | 6.10% | 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 | 5.4 | NA |
| 46 days to 90 days | 4.25 | 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. January 18, 2026. These FD interest rates apply to deposits above ₹3 crore and up to ₹4 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% | 7.9% |
| 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. February 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 continues to be a reliable choice for savers in 2026, with high returns and flexible schemes like Bob Square Drive and Baroda Suvidha. The senior citizens earn premium rates 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 by the other banks are currently at their peak, it is the perfect time to lock the yields before they potentially decline.
˜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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