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Bank of Baroda FD Interest Rates
Bank of Baroda offers FD interest rates ranging from 3.50% p.a. to 6.75% p.a. for general citizens and 4.00% p.a. to 7.25% p.a. for senior citizens, effective from 12 June 2026. The highest rate is available on the new 555-day BoB Golden Goal Deposit Scheme (up to 7.35% for super seniors) for tenures spanning 7 days to 10 years.
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Bank of Baroda FD Interest Rates
Here's a detailed breakdown of Bank of Baroda FD interest rates across various tenures and investment slabs, effective from June 12, 2026 (last verified in August):
Revised rates below ₹3 crore
| Tenure | General Public (p.a.) | Senior Citizen (p.a.) |
| 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 | 6.25% | 6.75% |
| Above 1 year to 400 days | 6.25% | 6.75% |
| Above 400 days and up to 2 Years (except 444 and 555 Days) | 6.25% | 6.75% |
| Above 2 Years and up to 3 Years | 6.25% | 6.75% |
| Above 3 Years and up to 5 Years | 6.30% | 6.90% |
| Above 5 Years and up to 10 Years | 6.00% | 7.00% |
| Above 10 years (MACAD
only) |
5.50% | 6.00% |
| bob Square Drive Deposit Scheme (444 Days) | 6.45% | 6.95% |
| bob Golden Goal deposit Scheme (555 Days) | 6.75% (Highest) | 7.25% (Highest) |
Bank of Baroda FD interest rates w.e.f. June 12, 2026
The highest Bank of Baroda fixed deposit rate is 6.75% p.a. for the general public on the tenure of the 555-day scheme and 7.25% p.a. for senior citizens.
Bank of Baroda FD Interest Rates: Key Highlights
| Tenure | 7 days to 10 years |
| Minimum Deposit Amount | Rs 1,000 |
| Maximum Deposit Amount | NIL |
| Loan Facility | Up to 90% |
| Premature Withdrawal | Up to 1% penalty |
| Senior Citizens Benefits | 0.5% higher than usual |
| Overdraft Facility | Available |
| Tax | Yes Applicable |
How are Bank of Baroda FD Interest Rates Decided?
Bank of Baroda (BoB) decides its Fixed Deposit (FD) interest rates based on RBI guidelines, market demand for money, and internal business costs.
- Bank Operating Costs: The bank adjusts FD rates across different time periods to keep its borrowing costs low and maintain steady profits.
- RBI Repo Rate: Repo rates influence BOB FD rates in important ways. All banks revise their FD interest rates whenever the RBI announces changes in the repo rate. If the repo rate falls, FD rates tend to go down.
- Inflation Rates: Higher inflation often leads to higher FD rates so your savings do not lose purchasing power over time.
- Demand for Loans: When more people take loans, the bank needs fresh money and offers higher FD rates to attract depositors. If the bank already has plenty of cash, rates may drop.
Bank of Baroda Fixed Deposit Rates Above ₹3 Crore
The following are the Bank of Baroda FD rates of callable and non - callable above ₹3 crore to ₹5 crore, effective from August 25, 2026:
| TENURE | Callable | Non-Callable |
| 7 days to 14 days | 3.50% | NA |
| 15 days to 45 days | 3.75% | NA |
| 46 days to 90 days | 4.25% | NA |
| 91 days to 180 days | 4.75% | NA |
| 181 days to 210 days | 5.50% | NA |
| 211 days to 270 days | 5.50% | NA |
| 271 days to less than 1 year | 5.75% | NA |
| 1 year | 6.25% | 6.35% |
| Above 1 year to 15 months | 7.10% | 6.10% |
| Above 15 months to 2 years | 6.00% | 6.10% |
| Above 2 years to 3 years | 5.50% | 5.60% |
| Above 3 years to 5 years | 5.00% | 5.10% |
| Above 5 years and up to 10 years | 4.50% | 4.60% |
Bank of Baroda FD interest rates w.e.f. August 25, 2026.
The highest rate on Bank of Baroda FD for deposits above 3 crore is for the tenure of 1 year, up to 6.25% p.a. for the general public and 6.35% p.a. for senior citizens.
Interest Rates for Bank of Baroda Tax-Saving FD
The BOB Tax-Saver deposit has a mandatory lock-in period of 5 years. Under this, you can claim and eligible for deductions up to a maximum of ₹1.5 lakh per financial year under Section 123 (previously Section 80C; available only if you opt for the old tax regime ) of the Income Tax Act. The latest interest rate for the Bank of Baroda Tax-Saving Fixed Deposit is 6.30% p.a. for general citizens and 6.90% p.a. for senior citizens.
Bank of Baroda Senior Citizen FD Rates
Bank of Baroda offers senior citizen fixed deposit rates ranging from 4.00% to 7.25% p.a. on retail domestic deposits under ₹3 crore. Super senior citizens are given an additional 0.50+0.10% on tenures above 3 Years and up to 5 Years.
Bob Golden Goal Deposit Scheme is a 555-day special fixed deposit for senior citizens. It offers higher interest rates of 7.25% p.a. for resident seniors and 7.35% p.a. for super senior citizens (aged 80 and above).
Bank of Baroda Senior Citizen FD Rates Below ₹3 Cr.
Here are the current Bank of Baroda FD rates senior citizens and super senior citizens for deposits below ₹3 crore and super senior citizens, effective from 25th August, 2026 (last verified in August):
| Tenure | Senior Citizen (p.a.) | Super Senior Citizen (p.a.) |
| 7 days to 14 days | 4.00% | 4.00% |
| 15 days to 45 days | 4.00% | 4.00% |
| 46 days to 90 days | 5.50% | 5.50% |
| 91 days to 180 days | 5.50% | 5.50% |
| 181 days to 210 days | 6.00% | 6.00% |
| 211 days to 270 days | 6.25% | 6.25% |
| 271 days & above and less than 1 year | 6.50% | 6.50% |
| 1 year | 6.75% | 6.75% |
| Above 1 year to 400 days | 6.75% | 6.85% |
| Above 400 days and up to 2 Years (except 444 and 555 Days) | 6.75% | 6.85% |
| Above 2 Years and up to 3 Years | 6.75% | 6.85% |
| Above 3 Years and up to 5 Years | 6.90% | 7.00% |
| Above 5 Years and up to 10 Years | 7.00% | 7.00% |
| Above 10 years (MACAD
only) |
6.00% | 7.00% |
| bob Square Drive Deposit Scheme (444 Days) | 6.95% | 6.00% |
Frequently Asked Questions (FAQs)
-
Q. What is the BoB FD interest rate today?
Ans: The Bank of Baroda (BoB) FD interest rates are from 3.50% to 6.75% p.a. for general citizens and 4.00% to 7.25% p.a. for senior citizens. -
Q. What is 444 days FD in BoB?
Ans: The bob Square Drive Deposit Scheme is a special 444-day fixed deposit from Bank of Baroda. It offers an annual interest rate of 6.45% for the general public, 6.95% for senior citizens, and 7.05% for super senior citizens on callable deposits. -
Q. What is the BoB 555-day FD scheme?
Ans: BoB Golden Goal Deposit Scheme (555 Days) offers interest rates ranging from 6.75% p.a. for general depositors, 7.25% p.a. for senior citizens and 7.35% p.a. for super senior citizens. -
Q. What is a short deposit in BoB?
Ans: Bank of Baroda short-term fixed deposits have tenures of 7 days to less than 1 year, offering higher returns than its savings accounts. -
Q. What is Bank of Baroda 24-month FD?
Ans: The Bank of Baroda 24-month FD, also known as BoB 400 days FD, offers the highest interest rates of up to 6.25% p.a. for general citizens, 6.75% p.a. for senior citizens, and 6.85% p.a. for super senior citizens. -
Q. Which FD is best at BoB?
Ans: Bank of Baroda's highest-return FD is the bob Golden Goal Deposit Scheme (555 Days). It offers an annual interest rate of 6.75% for general citizens, 7.25% for senior citizens, and 7.35% for super senior citizens. -
Q. What is the interest rate on a Bank of Baroda Tax Saving FD?
Ans: The Bank of Baroda Tax Saving FD offers tax deductions of up to ₹1.5 lakh per financial year under Section 123 (previously Section 80C) with a mandatory 5-year lock-in. It provides interest rates of 6.30% p.a. for regular citizens and 6.90% to 7.00% p.a. for senior and super senior citizens.
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˜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 7.4% 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
##The Guaranteed Returns are dependent on the policy term and premium term availed along with other variable factors. 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and a premium term of 10 years with ₹5,00,000 annually installment premium. All plans listed here are from insurance companies’ funds.
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