BOI Savings Account Interest Rates: up to 2.75%

BOI's best Savings Account rate is 2.75% (All balances), 2.25 points below the best on the market (5.00%).

Tenure	General	Senior	Applies to	Effective On	Source
Any tenure	2.75%	2.75%	All balances	18 May 2026	official fetched 18 Sept 2026 ✓ verified 9 Oct 2026

Higher Savings Account rates than BOI

4 nationwide banks pay more. Top picks:

Private Highest Bandhan 4.85% +2.10% vs BOI Payments Bank Fino 4.50% +1.75% vs BOI Small Finance Jana 4.50% +1.75% vs BOI

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BOI Savings rate changes

Changes to BOI's savings account 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 BOI's savings account rates has been recorded since tracking started on 18 Sept 2026.

BOI Savings: frequently asked questions

What is the highest BOI Savings interest rate?

As of 19 Oct 2026, Bank of India offers up to 2.75% p.a. on its savings account (All balances) for general customers. Rates below are as published by the bank — confirm with BOI before investing.

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When did BOI last change its Savings rates?

RateScan.in has recorded no change to Bank of India's savings account rates since it started tracking them on 18 Sept 2026.

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Is my savings account 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 19 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.

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More BOI rates

BOI overview BOI Fixed Deposit rates BOI Recurring Deposit rates BOI NRE FD rates BOI FCNR(B) rates

Savings rates at other banks

ESAF Savings rates IOB Savings rates Jana Savings rates Surat Peoples Bank Savings rates Bandhan Savings rates South Indian Savings rates TNGB Savings rates APCOB Savings rates JSKB Betul Savings rates P&S Savings rates Best Savings rates across all banks

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 0.90% p.a. more than general customers at BOI, depending on the tenure.
BOI's FD table includes 1 special schemes; check eligibility and end dates.

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.

Bank of India Savings Account interest rates · October 2026