The Baroda City Co-operative Bank Ltd. Fixed Deposit interest rates · October 2026
Baroda City Bank's best Fixed Deposit rate is 7.10% (For 730 Days), 1.90 points below the best on the market (9.00%).
- Seniors: up to 7.50% (For 12 Month), 0.50 points above the general rate for that tenure.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
07 Days TO 44 Days |
3.75% | — | Any amount | 1 Jan 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
45 Days To Below 12 Month |
4.25% | 4.25% | Any amount | 1 Jan 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
For 12 Month |
7.00% | 7.50% | Any amount | 1 Jan 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
12 Month 1 Day to 24 Month |
6.60% | 7.10% | Any amount | 1 Jan 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
For 15 Months Dhan Varsha |
7.00% | 7.00% | Any amount | 1 Jan 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
For 730 Days Dhan Varsha |
7.10% | 7.10% | Any amount | 1 Jan 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
24 Month 1 Day to 60 Month |
6.30% | 6.80% | Any amount | 1 Jan 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Baroda City Bank FD returns at a glance based on investment amount
| Deposit | ~1 year7.00% | ~3 years6.30% | ~5 years6.30% |
|---|---|---|---|
| ₹50,000 | ₹53,593₹292/mo | ₹60,313₹263/mo | ₹68,345₹263/mo |
| ₹1 lakh | ₹1,07,186₹583/mo | ₹1,20,626₹525/mo | ₹1,36,690₹525/mo |
| ₹2 lakh | ₹2,14,372₹1,167/mo | ₹2,41,253₹1,050/mo | ₹2,73,380₹1,050/mo |
| ₹5 lakh | ₹5,35,930₹2,917/mo | ₹6,03,131₹2,625/mo | ₹6,83,450₹2,625/mo |
| ₹10 lakh | ₹10,71,859₹5,833/mo | ₹12,06,263₹5,250/mo | ₹13,66,900₹5,250/mo |
Illustrative · quarterly compounding · rates as of 22 Oct 2026. Maturity assumes cumulative FD; monthly figure is simple interest ÷ 12 (non-cumulative payout). Not a bank quote — verify on the bank's site. DICGC insures up to ₹5 lakh per depositor per bank.
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General rate by tenure (% p.a.)
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Senior rate by tenure (% p.a.)
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
No additional super-senior premium — showing Senior rates.
Senior rate by tenure (% p.a.)
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Baroda City Bank Fixed Deposit rate changes
Changes to Baroda City Bank's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 22 Oct 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.
No change to Baroda City Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Baroda City Bank with similar banks
Nearby banks paying a little more at 1 year
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Best FD rates among urban co-operative banks → Best FD rates in Gujarat →
Baroda City Bank Fixed Deposit: frequently asked questions
What is the highest Baroda City Bank Fixed Deposit interest rate?
As of 22 Oct 2026, The Baroda City Co-operative Bank Ltd. offers up to 7.10% p.a. on its fixed deposit (FD) (For 730 Days) for general customers and 7.50% p.a. (For 12 Month) for senior citizens. Rates below are as published by the bank — confirm with Baroda City Bank before investing.
What is the Baroda City Bank 1-year FD interest rate?
As of 22 Oct 2026, The Baroda City Co-operative Bank Ltd. offers 7.00% p.a. on a 1-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Jan 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Baroda City Bank 3-year FD interest rate?
As of 22 Oct 2026, The Baroda City Co-operative Bank Ltd. offers 6.30% p.a. on a 3-year FD for general customers and 6.80% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Jan 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Baroda City Bank 5-year FD interest rate?
As of 22 Oct 2026, The Baroda City Co-operative Bank Ltd. offers 6.30% p.a. on a 5-year FD for general customers and 6.80% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Jan 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Baroda City Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Baroda City Co-operative Bank Ltd., depending on the tenure.
When did Baroda City Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Baroda City Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Baroda City Bank offer?
The Baroda City Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 5 tenure bands, from “07 Days TO 44 Days” to “24 Month 1 Day to 60 Month”.
Does Baroda City Bank have special fixed deposit (FD) schemes?
The Baroda City Co-operative Bank Ltd.'s rate table lists these named schemes (1): Dhan Varsha. Check eligibility and end dates with the bank.
Does Baroda City Bank pay more than the Post Office Time Deposit?
The Baroda City Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 1 of 3 standard tenures compared (general rates). Rates: 1y 7.00% (PO 6.90%), 3y 6.30% (PO 7.10%), 5y 6.30% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Baroda City Bank's 1-year FD rate rank?
The Baroda City Co-operative Bank Ltd.'s 1-year general FD rate of 7.00% ranks #63 of 333 banks on RateScan.in (as of 22 Oct 2026). The highest is Sangli DCCB at 8.25%.
Is my fixed deposit (FD) with Baroda City Bank insured?
Deposits with The Baroda City Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Baroda City Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 1 Jan 2026. Rates can change without notice, so verify on the official Baroda City Bank website before investing.
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Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with The Baroda City Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
- Baroda City Bank is an urban co-operative bank. Co-operative banks are regulated by the RBI together with the state registrar of co-operative societies; check that the bank is covered by DICGC before depositing.
- Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Baroda City Bank, depending on the tenure.
- Baroda City Bank's FD table includes 1 special schemes; check eligibility and end dates.
Informational only — always confirm the current rate on the official Baroda City Bank website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
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