Rates verified from official source

Bank of India Fixed Deposit interest rates · November 2026

BOI's best Fixed Deposit rate is 6.85% (500 Days(BOI Akshay Fixed Deposit)), 2.65 points below the best on the market (9.50%).

  • Seniors: up to 7.45% (3 Years), 0.75 points above the general rate for that tenure.

What will my FD earn at BOI?

Estimated value after 1 year · before tax ₹5,34,351 6.70% p.a. · ₹34,351 interest · quarterly compounding
Compare 1 year across banks → Save or plan this →
Deposit amount

Showing 11 of 20 rates.

TenureGeneralSeniorSuper Sr.Applies toEffective OnSource
7 days to 45 days
3 slabs at this rate
 3.00% 3.00% 3.00% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 13 Nov 2026
official
fetched 24 Sept 2026
46 days
to 90 days
 4.50% 4.50% 4.50% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 13 Nov 2026
official
fetched 18 Sept 2026
91 days to
179 days
Below ₹3 crore (retail)
 4.25% 4.25% 4.25% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 13 Nov 2026
official
fetched 24 Sept 2026
180 days to
less than 1 Year
3 slabs at this rate
Below ₹3 crore (retail)
 5.50% 6.00% 6.15% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 13 Nov 2026
official
fetched 24 Sept 2026
1 Year
Below ₹3 crore (retail)
 6.60% 7.10% 7.25% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 13 Nov 2026
official
fetched 2 Nov 2026
Above 1 Year to
less than 3 Years
2 slabs at this rate
Below ₹3 crore (retail)
 6.70% 7.20% 7.35% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 13 Nov 2026
official
fetched 2 Nov 2026
500 Days(BOI
Akshay Fixed
Deposit)
500-day Special
Below ₹3 crore (retail)
 6.85% 7.35% 7.50% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 13 Nov 2026
official
fetched 2 Nov 2026
999 days (Green
Deposit)
Green Deposit 999 days
 6.65% 7.15% 7.30% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 13 Nov 2026
official
fetched 2 Nov 2026
3 Years
Below ₹3 crore (retail)
 6.70% 7.45% 7.60% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 13 Nov 2026
official
fetched 24 Sept 2026
Above 3 Years to
less than 5 Years
 6.25% 7.00% 7.15% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 13 Nov 2026
official
fetched 24 Sept 2026
5 Years to
10 Years
2 slabs at this rate
 6.00% 6.75% 6.90% Below ₹3 crore (retail)
2 Nov 2026
✓ verified 13 Nov 2026
official
fetched 24 Sept 2026
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BOI FD return examples

DepositHighest rate1 year6.70%Highest rate3 years6.70%4 years6.25%10 years6.00%
₹50,000★₹53,435₹3,435 a year₹279/mo★₹61,030₹3,435 a year₹279/mo₹64,077₹3,199 a year₹260/mo₹90,701₹3,068 a year₹250/mo
₹1 lakh★₹1,06,870₹6,870 a year₹558/mo★₹1,22,059₹6,870 a year₹558/mo₹1,28,155₹6,398 a year₹521/mo₹1,81,402₹6,136 a year₹500/mo
₹2 lakh★₹2,13,740₹13,740 a year₹1,117/mo★₹2,44,118₹13,740 a year₹1,117/mo₹2,56,309₹12,796 a year₹1,042/mo₹3,62,804₹12,273 a year₹1,000/mo
₹5 lakh★₹5,34,351₹34,351 a year₹2,792/mo★₹6,10,296₹34,351 a year₹2,792/mo₹6,40,773₹31,990 a year₹2,604/mo₹9,07,009₹30,682 a year₹2,500/mo
₹10 lakh★₹10,68,702₹68,702 a year₹5,583/mo★₹12,20,591₹68,702 a year₹5,583/mo₹12,81,546₹63,980 a year₹5,208/mo₹18,14,018₹61,364 a year₹5,000/mo

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

Select a term · Annual rates for ₹5,00,000

1 year

6.70%
Compare 1 year rates → Estimate my return
Market rank & rate source

#551 of 1033

Above 1 Year to less than 2 Years(Except 500 Days) · Below ₹3 crore (retail)

Official rate sheet ↗
See all published rates
Before you book

BOI Fixed Deposit: frequently asked questions

What is the highest BOI Fixed Deposit interest rate?

As of 14 Nov 2026, Bank of India offers up to 6.85% p.a. on its fixed deposit (FD) (500 Days(BOI Akshay Fixed Deposit)) for general customers and 7.45% p.a. (3 Years) for senior citizens. Rates below are as published by the bank. Confirm with BOI before investing.

See today's top interest rates →

What is the BOI 2-year FD interest rate?

As of 14 Nov 2026, Bank of India offers 6.70% p.a. on a 2-year FD for general customers and 7.20% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 2 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

Compare 2-year FD rates →

What is the BOI 5-year FD interest rate?

As of 14 Nov 2026, Bank of India offers 6.00% p.a. on a 5-year FD for general customers and 6.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 2 Nov 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.

Compare 5-year FD rates →

Do senior citizens get higher Fixed Deposit rates at BOI?

Yes. Senior citizens (60+) earn up to 0.75% p.a. more than general customers at Bank of India, depending on the tenure.

See today's top senior citizen rates →

When did BOI last change its Fixed Deposit rates?

Bank of India last changed a fixed deposit (FD) rate. RateScan.in first recorded the change on 2 Nov 2026: the general rate for Above 1 Year to less than 2 Years(Except 500 Days) · Below ₹3 crore (retail) went from 6.50% to 6.70%. RateScan.in has tracked BOI's rates since 18 Sept 2026.

Rate movements →

What fixed deposit (FD) tenures does BOI offer?

Bank of India's published fixed deposit (FD) rate table has 15 tenure bands, from “7 days to 14 days” to “8 years & above to up to 10 Years”.

Does BOI pay different fixed deposit (FD) rates by deposit size?

Yes. Bank of India's table lists separate bands: Below ₹3 crore (retail); ₹3 crore to below ₹10 crore. Each row shows the band it applies to.

Does BOI have special fixed deposit (FD) schemes?

Bank of India's rate table lists these named schemes (2): 500-day Special; Green Deposit 999 days. Check eligibility and end dates with the bank.

Does BOI pay more than the Post Office Time Deposit?

Bank of India pays more than the Post Office Time Deposit at 0 of 2 standard tenures compared (general rates). Rates: 2y 6.70% (PO 7.00%), 5y 6.00% (PO 7.50%). PO is the Post Office Time Deposit rate.

See the Post Office schemes guide →

How does BOI's 1-year FD rate rank?

Bank of India's 1-year general FD rate of 6.70% ranks #551 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.

Compare 1-year FD rates →

Is my fixed deposit (FD) with BOI insured?

Deposits with Bank of India are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).

How current are these BOI rates?

RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 2 Nov 2026. Rates can change without notice, so verify on the official BOI website before investing.

Rate movements →

More BOI rates

BOI overviewBOI Recurring Deposit ratesBOI Savings ratesBOI NRE FD ratesBOI FCNR(B) rates

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Compare BOI with similar banks

Banks with a similar rate at 1 year

IOB 6.50%

Next banks down at 1 year

Maharashtra 6.40%Canara 6.40%BoB 6.25%

Best FD rates among public sector banks →

Compare BOI with other banks

See BOI FD rates side by side against India's top banks.

BOI vs SBIBOI vs PNBBOI vs BoBBOI vs CanaraBOI vs UnionBOI vs HDFCBOI vs ICICIBOI vs AxisBOI vs KotakBOI vs IndusIndBOI vs YesBOI vs IDFC FirstBOI vs FederalBOI vs BandhanBOI vs RBLBOI vs AUBOI vs EquitasBOI vs Ujjivan

Good to know

  • Deposits with Bank of India 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.
  • BOI 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 0.75% p.a. more than general customers at BOI, depending on the tenure.
  • BOI's FD table includes 2 special schemes; check eligibility and end dates.
official Effective 2 Nov 2026 · Ingested 2 Nov 2026 · Verified 13 Nov 2026 · View source

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.