Bank of Baroda Fixed Deposit interest rates · November 2026
What will my FD earn at BoB?
The early-withdrawal penalty depends on tenure and amount; each row shows its figure. Bank's terms ↗ · Checked 13 Oct 2026
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 days to 45 days 2 slabs at this rate |
3.50% | 4.00% | Below ₹3 crore (retail) Early withdrawal: 1%–1.5% lower rate |
12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 24 Sept 2026 |
46 days to 180 days 2 slabs at this rate |
5.00% | 5.50% | Below ₹3 crore (retail) Early withdrawal: 1%–1.5% lower rate |
12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 24 Sept 2026 |
181 days to 210 days |
5.50% | 6.00% | Below ₹3 crore (retail) Early withdrawal: 1%–1.5% lower rate |
12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 24 Sept 2026 |
211 days to 270 days |
5.75% | 6.25% | Below ₹3 crore (retail) Early withdrawal: 1%–1.5% lower rate |
12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 24 Sept 2026 |
271 days & above and less than 1 year |
6.00% | 6.50% | Below ₹3 crore (retail) Early withdrawal: 1%–1.5% lower rate |
12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 24 Sept 2026 |
1 year |
6.25% | 6.75% | Below ₹3 crore (retail) Early withdrawal: 1%–1.5% lower rate |
12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 24 Sept 2026 |
Above 1 year to 400 days |
6.25% | 6.75% | Below ₹3 crore (retail) Early withdrawal: 1%–1.5% lower rate |
12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 24 Sept 2026 |
Above 400 days and upto 2 Years (except 444 and 555 Days) |
6.25% | 6.75% | Below ₹3 crore (retail) Early withdrawal: 1%–1.5% lower rate |
12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 24 Sept 2026 |
bob Square Drive Deposit Scheme (444 Days) bob Square Drive 444 days |
6.45% | 6.95% | Below ₹3 crore (retail) | 12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 18 Sept 2026 |
bob Golden Goal deposit Scheme (555 Days) bob Golden Goal 555 days |
6.85% | 7.35% | Below ₹3 crore (retail) | 12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 12 Nov 2026 |
Above 2 Years and upto 3 Years |
6.25% | 6.75% | Below ₹3 crore (retail) Early withdrawal: 1%–1.5% lower rate |
12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 24 Sept 2026 |
Above 3 Years and upto 5 Years |
6.30% | 6.90% | Below ₹3 crore (retail) Early withdrawal: 1%–1.5% lower rate |
12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 24 Sept 2026 |
Above 5 Years and upto 10 Years |
6.00% | 7.00% | Below ₹3 crore (retail) Early withdrawal: 1%–1.5% lower rate |
12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 24 Sept 2026 |
Above 10 years (MACAD only) |
5.50% | 6.00% | Below ₹3 crore (retail) Early withdrawal: 1%–1.5% lower rate |
12 Nov 2026 ✓ verified 13 Nov 2026 | official fetched 24 Sept 2026 |
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BoB FD return examples
Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank. DICGC’s limit includes eligible balances and accrued interest held at the same bank in the same right and capacity.
FD rates by tenure
1 year
6.25%Before you book
BoB Fixed Deposit: frequently asked questions
What is the highest BoB Fixed Deposit interest rate?
As of 14 Nov 2026, Bank of Baroda offers up to 6.85% p.a. on its fixed deposit (FD) (bob Golden Goal deposit Scheme (555 Days)) for general customers and 7.35% p.a. (bob Golden Goal deposit Scheme (555 Days)) for senior citizens. Rates below are as published by the bank. Confirm with BoB before investing.
What is the BoB 1-year FD interest rate?
As of 14 Nov 2026, Bank of Baroda offers 6.25% p.a. on a 1-year FD for general customers and 6.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 12 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the BoB 2-year FD interest rate?
As of 14 Nov 2026, Bank of Baroda offers 6.25% p.a. on a 2-year FD for general customers and 6.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 12 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at BoB?
Yes. Senior citizens (60+) earn up to 1.00% p.a. more than general customers at Bank of Baroda, depending on the tenure.
When did BoB last change its Fixed Deposit rates?
RateScan.in has recorded no change to Bank of Baroda's fixed deposit (FD) rates since it started tracking them on 18 Sept 2026.
What fixed deposit (FD) tenures does BoB offer?
Bank of Baroda's published fixed deposit (FD) rate table has 14 tenure bands, from “7 days to 14 days” to “Above 5 Years and upto 10 Years”.
Does BoB have special fixed deposit (FD) schemes?
Bank of Baroda's rate table lists these named schemes (2): bob Square Drive 444 days; bob Golden Goal 555 days. Check eligibility and end dates with the bank.
Does BoB pay more than the Post Office Time Deposit?
Bank of Baroda pays more than the Post Office Time Deposit at 0 of 2 standard tenures compared (general rates). Rates: 1y 6.25% (PO 6.90%), 2y 6.25% (PO 7.00%). PO is the Post Office Time Deposit rate.
How does BoB's 1-year FD rate rank?
Bank of Baroda's 1-year general FD rate of 6.25% ranks #739 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
Is my fixed deposit (FD) with BoB insured?
Deposits with Bank of Baroda are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these BoB rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 12 Nov 2026. Rates can change without notice, so verify on the official BoB website before investing.
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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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