What is the highest Bank of Baroda (BOB) FD rate for senior citizens?

The highest BOB Senior Citizen FD rate is 7.25% p.a. for 555 days deposits.

Is Bank of Baroda FD Safe for Senior Citizens?

BOB fixed deposits are safe as deposits up to ₹5 lakh per depositor per bank are covered under DICGC insurance.

Can senior citizens get a monthly income from a Bank of Baroda FD?

Yes. BOB offers non-cumulative fixed deposits where interest can be paid monthly, quarterly, half-yearly, or annually.

What is the minimum amount required to open a Bank of Baroda Senior Citizen FD?

The minimum amount required to open an BOB Senior Citizen Fixed Deposit is ₹1,000.

Is interest earned on Bank of Baroda Bank Senior Citizen Fixed Deposits taxable?

Yes. Interest earned on BOB Senior Citizen Fixed Deposits is taxable as per the investor's applicable income tax slab. Banks may deduct TDS if annual FD interest exceeds the prescribed threshold limit.

Bank of Baroda Senior Citizen Fixed Deposit Rates

Name: Bank of Baroda Senior Citizen FD Rates
Brand: Interest Rates
Rating: 4.7 (11270 reviews)

Bank of Baroda Bank offers attractive FD rates for senior citizens ranging from 4.00% to 7.25% p.a. across tenures of 7 days to 10 years. Continue reading for the latest Bank of Baroda Senior Citizen FD rates and special FD schemes for senior citizens.

Bank of Baroda Senior Citizen FD Snapshot	Details
Highest Senior Citizen FD Rate	7.25%
FD Tenure Range	7 to 10 Years
Minimum FD Amount	Rs. 1000/-
Premature Withdrawal Facility	Available with a penalty of 0.5% to 1%
Loan Against FD	Up to 90% of the fixed deposit amount.

Bank of Baroda Bank Senior Citizen FD Rates (Less Than ₹3 Crore)

The table below provides a detailed breakdown of BOB Senior Citizen FD rates for fixed deposits below ₹3 crore across different tenure options

Tenure	Senior Citizen FD Rates (per annum)
7 days to 14 days	4.00%
15 days to 45 days	4.00%
46 days to 90 days	5.50%
91 days to 180 days	5.50%
181 days to 210 days	6.00%
211 days to 270 days	6.25%
271 days & above and less than 1 year	6.50%
1 year	6.75%
Above 1 year to 400 days	6.75%
Above 400 days and upto 2 Years (except 444 Days)	6.75%
Above 2 Years and upto 3 Years	6.75%
Above 3 Years and upto 5 Years	6.90%
Above 5 Years and upto 10 Years	7.00%
Above 10 years (MACAD only)	6.00%
bob Square Drive Deposit Scheme (444 Days)	6.95%
bob Golden Goal deposit scheme for 555 days	7.25%

ALSO READ: Best Fixed Deposit Interest Rates

Use the BOB FD Calculator below to estimate the maturity amount and interest earned on your Bank of Baroda fixed deposit based on your investment amount, tenure, and applicable FD rate.

Bank of Baroda Super Senior Citizen FD Rates

BOB offers an additional interest rate to super senior citizens, typically individuals aged 80 years and above. Here is a breakdown of Bank of Baroda super senior citizen fixed deposit rates:

Tenure	Super Senior Citizen FD Rates (per annum)
7 days to 14 days	4.00%
15 days to 45 days	4.00%
46 days to 90 days	5.50%
91 days to 180 days	5.50%
181 days to 210 days	6.00%
211 days to 270 days	6.25%
271 days & above and less than 1 year	6.50%
1 year	6.75%
Above 1 year to 400 days	6.85%
Above 400 days and up to 2 Years (except 444 Days)	6.85%
Above 2 Years and up to 3 Years	6.85%
Above 3 Years and up to 5 Years	7.00%
Above 5 Years and up to 10 Years	7.00%
Above 10 years (MACAD only)	6.00%
bob Square Drive Deposit Scheme (444 Days)	7.05%
bob Golden Goal deposit scheme for 555 days	7.35%

Compare Bank of Baroda Senior Citizen FD Interest Rates with Other Banks

Several banks currently offer higher interest rates than BOB for specific tenures. The table below compares Bank of Baroda senior citizen Fixed Deposit rates with other banks' FD rates.

Bank	Highest Rate
Bank of Baroda	7.25% (555 Days)
Yes Bank	7.75% 18 < 24 months and 36 to < 60 months)
Shivalik Small Finance Bank	8.30% (21 to 22 Months)
Suryoday Small Finance Bank	8.25% (30 Months)
Utkarsh Small Finance Bank	8.25% (666 Days)
Jana Small Finance Bank	8.00% (370–380 Days)
Mahindra Finance	7.80% (48 to 60 Months)
Indusind Bank	7.75% (24 to 36 Months)
Shriram Finance Bank	7.75% (36 to 60 Months)
Bajaj Finance	7.75% (31 to 60 Months)
RBL Bank	7.70% (18 to 36 months)
Sundaram Finance	7.50% (24 to 60 Months)
ICICI Housing Finance	7.35% (48 to 60 Months)
Indian Bank	7.30% (555 Days)
Kotak Mahindra Bank	7.30% (2 to 3 Years)
Axis Bank	7.20% (5 years to 10 years)
Bank of India	7.20% (3 years)
Canara Bank	7.10% (555 Days)
ICICI Bank	7.10% (3 to 5 Years)
SBI	7.05% (5 to 10 Years)