As of 5 Oct 2026, Bank of India offers up to 6.85% p.a. on its fixed deposit (FD) (999 days (Green Deposit)) for general customers and 7.60% p.a. (3 Years) for senior citizens. Rates below are as published by the bank — confirm with BoI before investing.
Estimate returns at BoI (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 | As of | Source |
|---|---|---|---|---|---|---|
7 days to 14 days |
3.00% | — | Below ₹3 crore (retail) | 18 May 2026 |
official fetched 24 Sept 2026 ✓ verified 5 Oct 2026 |
|
15 days to 30 days |
3.00% | — | Below ₹3 crore (retail) | 18 May 2026 |
official fetched 24 Sept 2026 ✓ verified 5 Oct 2026 |
|
31 days to 45 days |
3.00% | — | Below ₹3 crore (retail) | 18 May 2026 |
official fetched 24 Sept 2026 ✓ verified 5 Oct 2026 |
|
46 days to 90 days |
4.50% | — | Below ₹3 crore (retail) | 18 May 2026 |
official fetched 24 Sept 2026 ✓ verified 5 Oct 2026 |
|
91 days to 179 days |
4.25% | — | Below ₹3 crore (retail) | 18 May 2026 |
official fetched 24 Sept 2026 ✓ verified 5 Oct 2026 |
|
180 days to 210 days |
5.50% | — | Below ₹3 crore (retail) | 18 May 2026 |
official fetched 24 Sept 2026 ✓ verified 5 Oct 2026 |
|
211 days to 269 days |
5.50% | — | Below ₹3 crore (retail) | 18 May 2026 |
official fetched 24 Sept 2026 ✓ verified 5 Oct 2026 |
|
270 days to less than 1 Year |
5.50% | — | Below ₹3 crore (retail) | 18 May 2026 |
official fetched 24 Sept 2026 ✓ verified 5 Oct 2026 |
|
1 Year |
6.50% | 7.15% | Below ₹3 crore (retail) | 18 May 2026 |
official fetched 24 Sept 2026 ✓ verified 5 Oct 2026 |
|
Above 1 Year to less than 2 Years |
6.50% | 7.15% | Below ₹3 crore (retail) | 18 May 2026 |
official fetched 24 Sept 2026 ✓ verified 5 Oct 2026 |
|
2 Years to less than 3 Years |
6.60% | 7.25% | Below ₹3 crore (retail) | 18 May 2026 |
official fetched 24 Sept 2026 ✓ verified 5 Oct 2026 |
|
999 days (Green Deposit) Green Deposit 999 days |
6.85% | 7.35% | Below ₹3 crore (retail) | 18 May 2026 |
official fetched 24 Sept 2026 ✓ verified 5 Oct 2026 |
|
3 Years |
6.70% | 7.60% | Below ₹3 crore (retail) | 18 May 2026 |
official fetched 24 Sept 2026 ✓ verified 5 Oct 2026 |
|
Above 3 Years to less than 5 Years |
6.25% | — | Below ₹3 crore (retail) | 18 May 2026 |
official fetched 24 Sept 2026 ✓ verified 5 Oct 2026 |
|
5 Years to less than 8 Years |
6.00% | — | Below ₹3 crore (retail) | 18 May 2026 |
official fetched 24 Sept 2026 ✓ verified 5 Oct 2026 |
|
8 years & above to up to 10 Years |
6.00% | — | Below ₹3 crore (retail) | 18 May 2026 |
official fetched 24 Sept 2026 ✓ verified 5 Oct 2026 |
As of 5 Oct 2026, Bank of India offers up to 6.85% p.a. on its fixed deposit (FD) (999 days (Green Deposit)) for general customers and 7.60% p.a. (3 Years) for senior citizens. Rates below are as published by the bank — confirm with BoI before investing.
As of 5 Oct 2026, Bank of India offers 6.50% p.a. on a 1-year FD for general customers and 7.15% p.a. for senior citizens.
Yes. Senior citizens (60+) earn up to 0.90% p.a. more than general customers at Bank of India, depending on the tenure.
Deposits with Bank of India are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
RateScan.in refreshed this dataset on 5 Oct 2026; the bank's rates shown here are effective 18 May 2026. Rates can change without notice, so verify on the official BoI website before investing.
See BoI FD rates side by side against India's top banks.
Deposits with Bank of India 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 BoI 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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