Bank of Baroda Fixed Deposit (FD) Interest Rates 2025
Bank of Baroda offers Fixed Deposit (FD) schemes, allowing customers to invest for flexible tenures with guaranteed interest rates. These interest rates range from 2.85% to 7.50% p.a., with a minimum deposit of Rs. 1,000 and a tenure ranging from 7 days to 10 years. Keep reading this blog to learn more about Bank of Baroda Fixed Deposit and its interest rates
Highlights for 2025 Fixed Deposit Scheme of Bank for Baroda Bank
Tenure | 7 days to 10 years |
Senior Citizen Interest Rates | 4.75% - 7.65% p.a. |
Public Interest Rates | 4.25% - 7.15% p.a. |
Highest Interest Rates for Public | 7.15% p.a. |
Highest Interest Rates for Senior Citizens | 7.65% p.a. |
Premature Withdrawal | 1% penalty |
Minimum Deposit Amount | Rs 1,000 |
Fixed Deposit Interest Rates 2025 for Bank of Baroda
The interest rates provided in the table below are applicable to deposits below Rs.3 crore and is effective from 7th April 2025.
| Deposit Tenure | Interest Rate for Regular Customers (% p.a.)* | Interest Rate for Senior Citizens (% p.a.)* |
| 7 days to 14 days | 4.25 | 4.75 |
| 15 days to 45 days | 4.50 | 5.00 |
| 46 days to 90 days | 5.50 | 6.00 |
| 91 days to 180 days | 5.60 | 6.10 |
| 181 days to 210 days | 5.75 | 6.25 |
| 211 days to 270 days | 6.25 | 6.75 |
| 271 days & above and less than 1 year | 6.50 | 7.00 |
| 1 year | 6.85 | 7.35 |
| Above 1 year to 400 days | 7.00 | 7.50 |
| Above 400 days and upto 2 Years (except 444 Days) | 7.00 | 7.50 |
| Above 2 years and upto 3 years | 7.15 | 7.65 |
| Above 3 years and upto 5 years | 6.80 | 7.40 |
| Above 5 years and upto 10 years | 6.50 | 7.50 |
| Above 10 years (MACAD only) | 6.25 | 6.75 |
| bob Square Drive Deposit Scheme (444 Days) | 7.15 | 7.65 |
*Interest rates are subject to change from time to time.
Different Types of Bank of Baroda FD Schemes
Term-wise Bank of Baroda FD Rates
Deposit Tenure | General Customers | Senior Citizens |
Short-Term Deposits | ||
7 days to 1 year | 4.25% - 6.25% | 4.75% - 6.75% |
Medium-Term Deposits | ||
1 - 3 years | 6.85% - 7.15% | 7.35% - 7.65% |
Long-Term Deposits | ||
3 -10 years | 6.50% | 7.15% - 7.50% |
Bank of Baroda FD Special Features and Benefits
- Make a minimum deposit of Rs.1,000 to open an FD account with the bank.
- The tenure can range between 7 days and 120 months. The criteria may vary based on the scheme you choose.
- The interest will be compounded quarterly and paid out half-yearly for several schemes.
- Auto-renewal and nomination facilities are available.
- Avail loan/overdraft facility of up to 95% of the deposit amount.
- TDS certificate will be issued to respective customers.
- Senior citizens get 0.5% additional interest rate for deposits mostly above Rs.10,000 and below Rs.1 crore.
Basic Eligibility Criteria for Bank of Baroda FD
- Individuals (singly or jointly).
- Hindu Undivided Families (HUFs).
- Minor of age above 14 years on terms as laid down by the bank.
- In the names of clubs, associations, educational institutions, partnerships and joint stock companies and any other institutions, which are eligible to open a FD account as per the bank rules.
Tax Benefits on Bank of Baroda Fixed Deposit
BOB Tax Saving Fixed Deposit Account
This scheme offers income tax deductions of up to Rs.1.5 lakh per financial year under Section 80C of the Income Tax Act, 1961. Only the first account holder is eligible to claim this deduction. Senior citizens enjoy an additional 0.5% interest rate above standard rates. Interest payouts can be credited to your savings account monthly or quarterly.
Key Features:
- Lock-in Period: Fixed at 60 months, extendable up to 120 months.
- Deposit Amount: Minimum Rs.100, with increments in multiples of Rs.100.
- Interest Calculation: Compounded quarterly.
- Auto-Renewal: Not available.
- Accessibility: Account can be opened online or offline.
Tax Implications:
Interest income from FDs is taxable under the "Income from Other Sources" category. Tax Deducted at Source (TDS) is applicable if the total interest earned exceeds Rs.40,000 (or Rs.50,000 for senior citizens) in a financial year. A TDS certificate is issued to confirm the deduction details
Read here to know more about the taxation on FDs.
Bank of Baroda vs Other Banks' FD Rates
Bank Name | Regular Customers (% p.a.) | Senior Citizens (% p.a.) |
HDFC Bank | 3.00% – 7.35% | 3.50% – 7.85% |
Punjab National Bank | 4.55% – 7.30% | 5.05% – 7.80% |
Axis Bank | 3.00% – 7.20% | 3.50% – 7.70% |
City Union Bank | 5.00% – 7.50% | 5.00% – 8.00% |
Canara Bank | 4.00% – 7.25% | 4.00% – 7.75% |
Bank of Baroda | 4.25% - 7.15% | 4.75% - 7.65% |
ICICI Bank | 3.00% – 7.25% | 3.50% – 7.80% |
HSBC Bank | 2.85-7.50% p.a. | 3.35- 8.00% p.a. |
Citibank | 2.10% – 7.77% | 2.60% – 8.27% |
State Bank of India | 3.50% – 7.10% | 4.00% – 7.60% |
Indian Overseas Bank | 4.00% – 7.30% | 4.50% – 7.80% |
IDBI Bank | 3.00% – 7.00% | 3.50% – 7.50% |
Indian Bank | 2.80% – 7.25% | 3.30% – 7.75% |
IDFC First Bank | 3.00% – 7.75% | 3.50% – 8.25% |
Post Office FD | 6.90% – 7.50% | 6.90% – 7.50% |
Kotak Bank | 2.75% – 7.40% | 3.25% – 7.90% |
FD Interest Rate Calculator
Our FD calculator gives you a way to predict the returns you may receive upon putting your money in a fixed deposit account.
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Related Bank of Baroda Articles:
1. Bank of Baroda Statement Password
2. Bank of Baroda (BOB) Savings Account
3. Bank Of Baroda (BOB) Holidays List 2025
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