Bank of Baroda (BoB) is a nationalised public sector bank, headquartered in Vadodara, established in 1908. Its headline 1-year FD rate of 6.25% is in line with the public sector average of 6.23%, ranking #4 of 12 public sector banks.
Figures marked “approx.” are rounded public estimates as of 2024.
Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.
Rates as of 22 Aug 2025, verified from official source. Majority Government-of-India owned — deposits insured by DICGC up to ₹5,00,000.
Estimate returns at BoB (quarterly compounding)
Rates for deposits below ₹3 crore · General vs Senior · trend over time
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.
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.
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.
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
7 days to 14 days |
3.50% | 4.00% | Below ₹3 crore (retail) | |
15 days to 45 days |
3.50% | 4.00% | Below ₹3 crore (retail) | |
46 days to 90 days |
5.00% | 5.50% | Below ₹3 crore (retail) | |
91 days to 180 days |
5.00% | 5.50% | Below ₹3 crore (retail) | |
181 days to 210 days |
5.50% | 6.00% | Below ₹3 crore (retail) | |
211 days to 270 days |
5.75% | 6.25% | Below ₹3 crore (retail) | |
271 days & above and less than 1 year |
6.00% | 6.50% | Below ₹3 crore (retail) | |
1 year |
6.25% | 6.75% | Below ₹3 crore (retail) | |
Above 1 year to 400 days |
6.25% | 6.75% | Below ₹3 crore (retail) | |
Above 400 days and upto 2 Years (except 444 and 555 Days) |
6.25% | 6.75% | Below ₹3 crore (retail) | |
bob Square Drive Deposit Scheme (444 Days) bob Square Drive 444 days |
6.45% | 6.95% | Below ₹3 crore (retail) | |
bob Golden Goal deposit Scheme (555 Days) bob Golden Goal 555 days |
6.75% | 7.25% | Below ₹3 crore (retail) | |
Above 2 Years and upto 3 Years |
6.25% | 6.75% | Below ₹3 crore (retail) | |
Above 3 Years and upto 5 Years |
6.30% | 6.90% | Below ₹3 crore (retail) | |
Above 5 Years and upto 10 Years |
6.00% | 7.00% | Below ₹3 crore (retail) | |
Above 10 years (MACAD only) |
5.50% | 6.00% | Below ₹3 crore (retail) |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
1 year |
6.25% | 6.75% | Any amount | |
Above 1 year to 400 days |
6.25% | 6.75% | Any amount | |
Above 400 days and upto 2 Years (except 444 and 555 Days) |
6.25% | 6.75% | Any amount | |
Above 2 Years and upto 3 Years |
6.25% | 6.75% | Any amount | |
Above 3 Years and upto 5 Years |
6.30% | 6.90% | Any amount | |
Above 5 Years and upto 10 Years |
6.00% | 7.00% | Any amount | |
Above 10 years (MACAD only) |
5.50% | 6.00% | Any amount |
Rates for deposits below ₹3 crore · general vs senior citizen · trend over time
| Tenure | General | Senior | Trend | Applies to |
|---|---|---|---|---|
Any tenure |
2.75% | 2.75% | All balances |
Deposits with Bank of Baroda are insured by DICGC up to ₹5,00,000 per depositor (principal + interest). Senior citizens (60+) typically earn an extra 0.50% p.a. over the published general rates.
Informational only — always confirm the current rate on the official BoB 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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