What are the BOB FCNR (B interest rates) ?

The latest interest rates for BOB FCNR starts from 1.50% and goes up to 5.00%.

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Bank of Baroda FCNR Rates

The current Bank of Baroda FCNR Rates starts from 1.50% and goes up to 5.00%. A 1.00% penal interest is deducted from the rate applicable for the actual period the deposit was held. Bank of Baroda FCNR (B), is a premium term deposit designed for NRIs and OCIs to grow their overseas earnings securely in India.

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Current Bank of Baroda FCNR Rates 2026

The table below consists of the latest FCNR rates offered under Bank of Baroda FCNR Account:

Maturity Period	Less than USD 0.2 Mio	USD 0.2 Mio TO 1 Mio	Above USD 1 Mio	GBP	EUR	AUD	CAD
One Year and above but less than Two Years	5.00	5.00	5.00	4.25	2.75	3.75	3.25
Two Years and above but less than Three years	3.95	3.95	3.95	2.35	1.50	3.50	3.00
Three Years and above but less than Four Years	3.80	3.80	3.80	2.45	1.50	3.00	2.75
Four Years and above but less than Five Years	3.85	3.85	3.85	2.45	1.50	3.00	2.80
5 Years Only	3.90	3.90	3.90	2.45	1.50	3.00	2.85

*Bank of Baroda FCNR Rates w.e.f. Jan 06 2026. If the resulting interest rate becomes negative after the penalty, it is capped at ZERO.

Bank of Baroda FCNR Rates Key Premature Closure Rules

Deduction: If closed early, the interest paid will be the rate for the actual period held minus a 1.00% penalty.
Minimum Duration: No interest is payable if the deposit is withdrawn before completing 1 year.
Zero Floor: If the net rate after the penalty becomes negative, it is treated as ZERO.

Other Important Terms

Compounding: Interest on FCNR (B) deposits is calculated and paid at intervals of 180 days (semi-annually) and thereafter for the remaining days.
360-Day Year: Unlike domestic deposits, interest for FCNR (B) is calculated based on a 360-day year.
Repatriability: Both principal and interest are 100% tax-free in India and fully repatriable to your country of residence.

Conclusion

FCNR (B) account is a high-yield, low-risk investment for NRIs and OCIs looking to maximize their foreign earnings. Bank of Baroda FCNR Rates are up to 5.00% interest (on USD) and keeping funds in the original currency, it provides a unique blend of tax-free growth and total protection against Indian Rupee volatility.

FAQs

What are the BOB FCNR (B interest rates) ?

The latest interest rates for BOB FCNR starts from 1.50% and goes up to 5.00%.

˜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

*Past 10 Year annualised returns as on 01-01-2026
*All savings plans are provided by the insurer as per the IRDAI approved insurance plan. Tax benefit is subject to changes in tax laws. Standard T&C Apply
^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.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
**Returns are based on past 10 years' fund performance data (Fund Data Source: Value Research).
^Returns as on 10th Jan'25. 18% returns for Tata AIA Life Top 200 for the last 10 years.The past performance is not necessarily indicative of future performance. Source: Morningstar

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