BoB vs Yes FD Rates October 2026

BoB offers up to 6.75% p.a. · Yes up to 7.25% p.a. · Side-by-side across all tenures, general & senior citizen rates.

FD Rate Comparison — All Tenures

Highlighted cells show the higher rate for each tenure. Dataset refreshed 1 Oct 2026.

1-year FD winner Yes 6.25% vs 6.75%
Savings account BoB
Tenure BoB Yes
GeneralSenior GeneralSenior
6 months 5.50% 6.00% 6.00% 6.50%
1 year 6.25% 6.75% 6.75% 7.25%
2 years 6.25% 6.75% 7.00% 7.50%
3 years 6.30% 6.90% 7.00% 7.75%
5 years 6.30% 7.00% 6.75% 7.50%

Rates for retail deposits below ₹3 crore. Senior citizen rate typically +0.25–0.50% p.a. Green cells show the higher general rate for each tenure. Calculate your maturity amount →

Savings Account Rates

BoB
2.75% p.a.
vs
Yes
—

Which bank should you choose?

BoB is a public sector bank; Yes is a private sector bank. Both are RBI-regulated with DICGC deposit insurance up to ₹5 lakh. On current data, Yes leads on headline FD rates by 0.50 percentage points — a meaningful difference for larger deposit amounts or longer tenures. Always verify the exact rate on the bank's official website before committing.

This is informational only — always verify the current rate on the bank's official website and consult a financial adviser for personalised guidance.

About These Banks

Bank of Baroda

Type
Public Sector Bank
HQ
Vadodara
Est.
1908
Best FD rate
6.75% p.a.
DICGC insured
Yes (up to ₹5 lakh)
Full profile
BoB deposit rates →

Yes Bank

Type
Private Sector Bank
HQ
Mumbai
Est.
2004
Best FD rate
7.25% p.a.
DICGC insured
Yes (up to ₹5 lakh)
Full profile
Yes deposit rates →

Frequently Asked Questions

Which bank gives a higher FD interest rate — Bank of Baroda or Yes Bank?

Yes Bank currently offers a higher maximum FD rate of 7.25% p.a., compared to 6.75% p.a. from Bank of Baroda (as of 1 Oct 2026).

What is Bank of Baroda's current 1-year FD interest rate?

Bank of Baroda offers 6.25% p.a. for general depositors on 1-year FDs, and 6.75% p.a. for senior citizens (as of 1 Oct 2026). Confirm the current rate on Bank of Baroda's official website before investing.

What is Yes Bank's current 1-year FD interest rate?

Yes Bank offers 6.75% p.a. for general depositors on 1-year FDs, and 7.25% p.a. for senior citizens (as of 1 Oct 2026). Confirm the current rate on Yes Bank's official website before investing.

Are fixed deposits with Bank of Baroda and Yes Bank safe?

Yes. Both Bank of Baroda and Yes Bank are regulated by the Reserve Bank of India (RBI). Deposits at both banks are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to ₹5,00,000 per depositor per bank, covering principal and interest combined. Amounts above ₹5 lakh are not covered by deposit insurance.

Do Bank of Baroda and Yes Bank offer higher FD rates for senior citizens?

Yes, both banks offer additional interest for senior citizens (aged 60 and above), typically 0.25%–0.50% p.a. above the general rate. Bank of Baroda's 1-year senior rate: 6.75% p.a. Yes Bank's 1-year senior rate: 7.25% p.a.

What is the highest FD rate available between Bank of Baroda and Yes Bank?

The highest rate between the two is 7.25% p.a. from Yes Bank for the 18 months 1 day < 24 months tenure (general public, retail deposits below ₹3 crore, as of 1 Oct 2026).