Bank of Baroda interest rates · November 2026
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Overview
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 6.26%, ranking #739 of 1033 banks on RateScan.in.
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 12 Jun 2026, verified from official source. Majority Government-of-India owned: deposits insured by DICGC up to ₹5,00,000.
RBI record
Every RBI press release since 1 Jan 2024 that names Bank of Baroda, newest first, each linked to RBI. Checked every week; last on 11 Nov 2026.
A monetary penalty is a fine for not following an RBI rule. On its own it does not stop the bank taking or repaying deposits; RBI does that through directions, which are listed here when they apply.
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RBI fined the bank ₹63.60 lakh
RBI's reason: “for non-compliance with certain provisions of directions issued by RBI on ‘Fair Practices Code for Lenders’ and ‘Know Your Customer (KYC)’”
What RBI found
“the bank had collected interest, higher than the contracted rate of interest, in certain loan accounts. the bank did not upload KYC records of certain customers onto Central KYC Records Registry (CKYCR) within the prescribed timeline.”
RBI says: “The action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers.”
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RBI fined the bank ₹61.40 lakh
RBI's reason: “for non-compliance with certain directions issued by RBI on ‘Financial Services provided by Banks’ and ‘Customer Service in Banks’ read with ‘Interest Rate on Deposits’”
What RBI found
“The bank failed to ensure that no incentive (non-cash) was paid to its staff engaged in insurance corporate agency service by an insurance company; and The bank did not credit interest in certain inoperative / dormant / frozen savings deposit accounts at the prescribed intervals.”
RBI says: “This action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transaction or agreement entered into by the bank with its customers.”
This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.
Branches
10,050 branches in 567 districts
Most branches: Mumbai 258, Delhi 254, Ahmedabad 201
From RBI's IFSC directory (updated 1 Nov 2026). Counts can include recently merged or closed branches; check the bank's branch locator before visiting.
BoB rates
Every rate, tenure by tenure, and what your money grows to.
BoB Fixed Deposit rate changes
Changes to BoB's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 18 Sept 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 BoB's fixed deposit (FD) rates has been recorded since tracking started on 18 Sept 2026.
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Good to know
- Deposits with Bank of Baroda 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.
- BoB is a public sector bank, majority owned by the Government of India. Deposit insurance is still the DICGC cover above.
- Senior citizens (60+) earn up to 1.00% p.a. more than general customers at BoB, depending on the tenure.
- BoB's FD table includes 2 special schemes; check eligibility and end dates.
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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