Bank of Baroda FD interest rates range from 4.00% to 7.00% per annum, based on the deposit tenure and investment amount. You can opt for a deposit period starting from just 7 days and going up to 10 years, allowing you to plan your investments as per short-term or long-term financial needs. Resident senior citizens enjoy an additional 0.50% interest rate across most tenures, offering them higher returns. Let’s explore the latest Bank of Baroda FD rates in 2025.
Fixed Deposits, Guaranteed Return Plans & Debt Mutual Fund
Guaranteed Return Plans, Fixed Deposits & Debt Mutual Fund
Guaranteed Return Plans
Returns Before Tax
6.9%* (TAX-FREE)
Returns After Tax
6.9%*
Guaranteed Returns
Yes
Life Cover
Yes
Tax on Profit
Tax Free*
Risk
No Risk
Fixed Deposits
Returns Before Tax
7% (TAXABLE)
Returns After Tax
4.8%
Guaranteed Returns
Yes
Life Cover
No
Tax on Profit
Taxable
Risk
Low Risk
Debt Mutual Fund
Returns Before Tax
8% (TAXABLE)
Returns After Tax
5.5%
Guaranteed Returns
No
Life Cover
No
Tax on Profit
Taxable
Risk
High Risk
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*For annual premium upto ₹5 Lacs
What is Bank of Baroda Fixed Deposit?
A Fixed Deposit (FD) with Bank of Baroda is a financial instrument where you deposit a lump sum amount for a fixed tenure, earning a predetermined interest rate. This investment option is for individuals seeking stable returns over a specified period. Bank of Baroda’s FDs cater to various customer segments, including regular individuals, senior citizens, and Non-Resident Indians (NRIs).
Key Benefits of Bank of Baroda Fixed Deposits
You can enjoy several valuable benefits when you open a Bank of Baroda Fixed Deposit. Some of the key benefits are listed below.
1. Guaranteed Returns:
Your funds are locked in at a fixed rate, ensuring stable and predictable returns throughout the deposit tenure, regardless of market changes.
2. Flexible Tenures:
With Bank of Baroda, you can choose FD tenures ranging from 7 days to 10 years, making it suitable for both short-term and long-term savings.
3. Attractive Interest Rates:
Bank of Baroda offers competitive FD interest rates ranging from 4.00% to 7.00% per annum, depending on the deposit amount and tenure. Senior citizens typically receive an additional 0.50% interest across most tenures.
4. Auto-sweep Facility (Baroda Suvidha):
The Auto-sweep facility under Baroda Suvidha automatically transfers surplus funds between your Savings Account and Fixed Deposits, offering both sweep-in and sweep-out features to maximise returns while ensuring liquidity.
5. Loan and Overdraft Against FD:
Bank of Baroda allows customers to borrow up to 90% of the FD amount as a loan or overdraft, providing immediate access to funr̥ds without breaking the deposit. To get a loan against fixed deposits, customers must pay 1% - 2% interest on the current FD interest rates.
Bank of Baroda FD Interest Rates 2025
Here’s a detailed breakdown of Bank of Baroda’s latest Fixed Deposit interest rates across various tenures and investment slabs:
Bank of Baroda Callable Fixed Deposits Rates Below ₹3 Crore (For Domestic & NRO Deposits)
Tenure
Residents / General Public
Resident Indian Sr. Citizen
7 days to 14 days
3.50
4.00
15 days to 45 days
3.50
4.00
46 days to 90 days
5.00
5.50
91 days to 180 days
5.00
5.50
181 days to 210 days
5.50
6.00
211 days to 270 days
5.75
6.25
271 days & above and less than 1 year
6.00
6.50
1 year
6.50
7.00
Above 1 year to 400 days
6.50
7.00
Above 400 days and upto 2 Years (except 444 Days)
6.50
7.00
Above 2 Years and upto 3 Years
6.50
7.00
Above 3 Years and upto 5 Years
6.40
7.00
Above 5 Years and upto 10 Years
6.00
7.00
Above 10 years (MACAD
only)
5.50
6.00
bob Square Drive Deposit Scheme (444 Days)
6.60
7.10
*Bank of Baroda FD interest rates w.e.f. June 12, 2025
Bank of Baroda Fixed Deposit Rates ₹3 Cr. to ₹5 Cr. Slab (For Domestic Term Deposits & NRO Deposits)
Tenure
Rs. 3.00 Crs to upto Rs. 4.00 Crs
Above Rs. 4.00 Crs to upto Rs. 5.00 Crs
7D to 14D
3.50
3.50
15D to 45D
5.50
3.75
46D to 90D
4.25
4.25
91D to 180D
4.75
4.75
181D to 210D
5.50
5.50
211D to 270D
5.50
5.50
271D to less than 1Y
5.75
5.75
1 Year
6.25
6.25
Above 1Y to 15M
6.00
6.00
Above 15M to 2Y
6.00
6.00
Above 2Y to 3Y
5.50
5.50
Above 3Y to 5Y
5.00
5.00
Above 5Y and upto 10Y
4.50
4.50
*Bank of Baroda FD interest rates w.e.f. July 14, 2025
Bank of Baroda Fixed Deposit Rates ₹5 Cr. to ₹7 Cr. Slab (For Domestic Term Deposits & NRO Deposits)
Tenure
Above Rs. 5.00 Crs to upto Rs. 6.00 Crs
Above Rs. 6.00 Crs to upto Rs. 7.00 Crs
7D to 14D
3.50
3.50
15D to 45D
5.50
3.75
46D to 90D
4.25
4.25
91D to 180D
4.75
4.75
181D to 210D
5.50
5.50
211D to 270D
5.50
5.50
271D to less than 1Y
5.75
5.75
1 Year
6.25
6.25
Above 1Y to 15M
6.00
6.00
Above 15M to 2Y
6.00
6.00
Above 2Y to 3Y
5.50
5.50
Above 3Y to 5Y
5.00
5.00
Above 5Y and upto 10Y
4.50
4.50
*Bank of Baroda FD interest rates w.e.f. July 14, 2025
How to Open a Bank of Baroda FD
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.
1. Online Method
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:
Log in to your BoB Net Banking account or open the BoB World mobile app.
Go to the “Term Deposits” or “Open Fixed Deposit” section.
Enter the deposit amount and choose the tenure.
Select the type of FD (e.g., Regular or Senior Citizen), choose interest payout frequency (cumulative or periodic), and add nominee details.
Review the details carefully and click Submit.
Your FD will be created instantly, and confirmation will be sent via SMS and email.
If your FD interest exceeds ₹50,000 (₹1,00,000 for senior citizens), TDS is applicable. To avoid it, submit Form 15G or 15H.
2. Offline Method
If you prefer to visit a branch, you can open a Bank of Baroda FD offline by following these steps:
Visit the nearest Bank of Baroda branch.
Request a Fixed Deposit account opening form at the counter.
Fill in all required information, including deposit amount, tenure, interest payout option, and nominee.
Submit the form along with identity proof (like Aadhaar, PAN, or Voter ID) and address proof.
Deposit the FD amount via cash, cheque, or account transfer.
The bank will process your request and provide an FD receipt and confirmation shortly.
For better planning, explore how tax-saving FDs or long-term investment options can complement your savings strategy.
Key Takeaways
Bank of Baroda Fixed Deposits come with multiple tenure options and higher interest rates for senior citizens. Accounts can be opened through internet banking, the BoB mobile app, or by visiting a branch. While longer tenures typically offer slightly lower interest rates, early withdrawals may attract penalties ranging from 1% to 2% on the interest earned, depending on the type of FD. It's important to review all terms and conditions carefully before making a deposit. Additionally, consider comparing FD interest rates across different banks in India to make an informed investment decision.
Can a tax-saving FD in Bank of Baroda be withdrawn before 5 years?
No, tax-saving fixed deposits in Bank of Baroda come with a mandatory lock-in period of 5 years, during which premature withdrawal, loan, or overdraft is not permitted as per Section 80C of the Income Tax Act. (**Exceptions: Only in case of the customer's unfortunate demise can the nominee/claimant make a premature withdrawal.)
How much loan can I get against my FD in the Bank of Baroda?
Bank of Baroda allows you to borrow up to 90% of the fixed deposit amount as a loan or overdraft under its loan against FD facility. You will have to pay an additional 1% to 2% interest for your loan against FD.
Does Bank of Baroda charge a penalty for premature FD withdrawal?
Bank of Baroda charges a 1% penalty (on the interest earned) for premature withdrawal on callable deposits and a 2% penalty on non-callable deposits.
Does Bank of Baroda offer higher FD interest rates for senior citizens?
Yes, the Bank of Baroda usually offers an additional 0.50% interest rate on fixed deposits for resident senior citizens across most tenures. This benefit is applicable only when the FD is opened in an individual capacity and not jointly with a non-senior citizen.
˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India 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
