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BOB Senior Citizen FD Rates
Bank of Baroda offers senior citizens fixed deposit (FD) interest rates ranging from 4.00% to 7.25% p.a. for tenures up to 10 years. The Super Senior citizens receive 7.35% p.a., effective from 12th May, 2026.
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Maximum returns offered by:
7.4%*
(Tax-Free)
Guaranteed Plan
(By Insurance companies)4.6%*
(After Tax)
Fixed Deposit
(Offered by Banks)4.0%*
Savings Account
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FD Interest Rates
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Bank of Baroda FD Rates
- Bank of Baroda FD Rates for Senior Citizens
Bank of Baroda Senior Citizen FD Interest Rates (Callable Deposits < ₹3 Crore)
The highest Bank of Baroda senior citizens FD rate is up to 7.25% p.a. and 7.35% p.a. for senior citizens on the bob Golden Goal Deposit Scheme (555 Days), effective from 12th May, 2026 (last verified in September):
| Tenors | Senior Citizens (p.a.) | Super Senior Citizens ( 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 | 6.60% | 6.60% |
| Above 1 year to 400 days | 6.75% | 6.85% |
| Above 400 days and up to 2 Years (except 444 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% | 6.00% |
| bob Square Drive Deposit Scheme (444 Days) | 6.95% | 7.05% |
| bob Golden Goal deposit Scheme (555 Days) | 7.25% (Highest) | 7.35% (Highest) |
*BOB senior citizen interest rate w.e.f. June 12, 2026. For Bank of Baroda senior citizen FD rates for deposits above ₹3 crore, please contact bank personnel.
BOB Senior Citizen FD Rates Features At a Glance
| Particulars | Details |
| Interest Rate | 4.00% to 7.25% |
| Tenure | 7 days to 10 years |
| Premature Withdrawal | No penalty for deposits up to ₹5 lakh after 1 year; a 1% penalty afterwards |
| Auto-Renewal Facility | Available |
| Loan Against FD | Available |
| Credit Card Against FD | Available |
| TDS | Applicable as per tax laws |
Benefits of the Bank of Baroda Senior Citizen FD Scheme
The Bank of Baroda Senior Citizen FD offers a range of benefits, ensuring to meet the financial needs of individuals aged 60 and above:
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Additional Rate on Standard Rates:
Resident senior citizens receive an additional 0.50% p.a. over standard rates across all tenures. Opting for senior citizen FD rates is a smart way for retirees to secure a stable monthly income while enjoying a higher yield on their life savings.
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Long-Term & Special Tenure Boosts:
- Above 3 to 5 Years: Generates an extra 0.60% p.a. premium over general public rates (yielding up to 6.90% p.a.).
- Above 5 to 10 Years: Provides a full 1.00% p.a. premium over general public rates (yielding up to 7.00% p.a.).
- Special Schemes (e.g., 555-Day Golden Goal): Special tenures offer enhanced yields up to 7.25% p.a. for senior citizens and 7.35% p.a. for super senior citizens.
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Super Senior Citizens (80+ Years):
Receive an additional 0.10% p.a. over senior citizen rates for specific tenures, taking effective rates up to 7.35% p.a..
FAQs
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Q. What is 444 days FD rates in BoB?
Bank of Baroda 444-day FD rates are 6.45% p.a. for general citizens and additional rates for senior and super senior citizens are up to 6.95% p.a. and 7.05% p.a. for super senior citizens.
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Q. What is the FD rate in Bob for senior citizens?
The current BOB FD interest rates for senior citizens range from 4.00% p.a. to 7.25% p.a., for senior citizens.
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Q. Is premature withdrawal allowed under Bank of Baroda FD rates senior citizen schemes?
Yes, premature withdrawal is allowed, though penalties apply depending on the deposit amount and tenure.
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Q. Do Bank of Baroda FD rates for senior citizens include tax-saving options?
Yes, senior citizens can opt for Bank of Baroda Tax Saving FD with tax benefits under Section 123 (earlier Section 80C) of the Income Tax Act.
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Q. What is the BoB FD interest rate today?
The Bob FD rates for senior citizens is highest on the 555-day tenure which is up to 7.25% p.a. for senior and 7.35% p.a. for super senior citizens which are definitely higher than the general Bob FD rates.
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* Applicable for Titanium variant of Max Life Smart Fixed-return Digital (Premium payment of 5 years, Policy term of 10 years) and a healthy male of 18 years old paying Rs. 30,000/- monthly (exclusive of all applicable taxes)
** Fixed deposit rate applicable for 5 year's 1 day to
10 years for investment amount less< 2 Crore ( Not for senior citizens).
*** PPF interest rate applicable for 15 years
for investment amount upto 1.5 Lac
+ 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.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ