The Bank of Baroda FD interest rate in 2026 offers attractive and stable returns for both regular and senior citizens across multiple tenures. With competitive Bank of Baroda FD interest rates, investors can earn up to 7.25% p.a. for regular citizens and 7.75% p.a. for senior citizens, making it a reliable option for safe investments.

BOB FD interest rate structure is designed to offer stable and predictable returns with flexible tenure options ranging from 7 days to 10 years. These Bank of Baroda FD interest rates are ideal for investors seeking low-risk investment options with assured returns.

Get up to 8.30% returns on your FD investments here.

Key Highlights:

• BoB offers interest from 3.50% to 6.30% for regular investors and up to 7% for senior citizens.
• FD tenures vary between 7 days to 10 years. 
• BoB FDs come with a premature withdrawal and overdraft facility.

Bank of Baroda Fixed Deposit Interest Rates for General and Senior Citizens

Bank of Baroda provides attractive FD interest rates, which make it a smart option for both regular and senior citizens. It provides senior citizens with an additional 0.50% per annum on fixed deposit interest rates. Currently, Bank of Baroda offers fixed deposit interest rates between 3.30% and 6.50% for regular investors. Senior citizens can enjoy higher rates, reaching up to 7%.

Term Wise Bank of Baroda Fixed Deposit Interest Rates 

The following shows the term-wise BOB fixed deposit interest rate:

• Short-Term: These term deposits have a tenure of 7 days to 1 year. BOB offers an interest rate ranging between 3.50% to 6.10% for general citizens and 4.00% to 6.60% for senior citizens on short-term fixed deposits. 
• Medium Term: Medium-term FDs have tenures exceeding 1 year but less than 5 years. The bank offers an interest rate of 6.10% to 6.30% for general citizens and between 6.60% and 6.90% for senior citizens.
• Long-Term Deposits: Long-term BoB deposits have tenures ranging from 5 to 10 years or more. The interest rate of such deposits ranges from 5.50% to 6.00% for general citizens and 6.00% to 7.00% for senior citizens.

Bank of Baroda Special FD Schemes

The Bank of Baroda FD interest rate also varies across special schemes that offer higher returns and unique benefits compared to standard FD options.

High-Interest Special Schemes

bob Square Drive Deposit Scheme (444 Days)

• General: 6.45% – 6.50% p.a. 
• Senior Citizens: 6.95% – 7.00% p.a. 
• Higher returns than regular Bank of Baroda FD interest rates 

Baroda Tiranga Plus Deposit Scheme (399 Days)

• General: Up to 7.25% p.a. 
• Senior Citizens: Up to 7.75% p.a. 
• Among the highest Bank of Baroda FD interest rate options 

BOB Earth Green Term Deposits

• Tenure: 777 to 2201 days 
• Designed for sustainable investments 
• Competitive Bank of Baroda FD interest rates 

Utility-Based FD Schemes

Tax Saving Fixed Deposit

• 5-year lock-in 
• Tax deduction under Section 80C 
• Standard Bank of Baroda FD interest rate applicable 

Liquid Fixed Deposit

• Flexible withdrawal options 
• Combines liquidity with returns 

Monthly/Quarterly Income Plans

• Regular income payout 
• Based on prevailing Bank of Baroda FD interest rates 

Types of Bank of Baroda FD Schemes

• Liquid Fixed Deposit 
• Advantage Non-Callable FD 
• Tax Saving FD 

Each scheme offers different benefits based on liquidity, returns, and tax savings.

Benefits of Bank of Baroda Fixed Deposit Interest Rates

Here are some benefits of the Bank of Baroda Fixed Deposit interest rate:

• The highest interest rate that this bank provides is 6.3% for general citizens and 7% for senior citizens.
• BoB FD provides the advantage of quarterly compounding. It helps to grow your savings and increase returns more quickly.
• You can opt for the auto-renewal facility to ensure hassle-free reinvestment of your interest income.

Eligibility to Avail Bank of Baroda Fixed Deposit Interest Rates

The following is a list of individuals and entities who can open and enjoy the competitive Bank of Baroda fixed deposit interest rate:

• Any Individuals
• Any Hindu Undivided Families (HUFs), Sole proprietorships, Limited companies and Partnership firms
• Minors can also open a fixed deposit under parent or legal guardian.

How to Open a Bank of Baroda (BoB) Fixed Deposit?

At BoB, you can use both online and offline channels to open a new fixed deposit through your preferred scheme. These are the steps:

Online FD Booking Process

Fill in the online application form, upload the required KYC documents and transfer the funds securely. Once the payment is completed, you will receive confirmation of your Fixed Deposit booking.

In case you are not a customer of the bank, you have to fill out the form with your personal details, contact info and choose your preferred FD scheme. After submission, the bank executive will contact you for further steps.

Fixed Deposit Booking Process Offline

To open an FD offline, visit the bank branch, collect and fill out the FD application form, submit the required documents and hand it to the bank staff. Once processed, the bank will issue an FD receipt as confirmation.

Documents Required to Avail Bank of Baroda Fixed Deposit Interest Rates

Here are some certain documents that you need to submit mandatorily at the time of booking any Bank of Baroda fixed deposit plans:

• Proof of identity including Aadhaar card, PAN card, voter ID card, driving licence, etc.
• Proof of address including Passport, electricity bill, telephone bill, etc.
• For partnerships, provide the partnership deed, ID proofs, signatures of authorised signatories and the incorporation certificate.
• For Hindu Undivided Families (HUFs), submit a self-attested PAN Card, HUF declaration and a bank statement.
• Two recent passport-size photographs

Premature Withdrawal of Bank of Baroda Fixed Deposit

If you have a fixed deposit with the Bank of Baroda and face an emergency, you may need to withdraw it before maturity. In such cases, the bank deducts a penalty from the interest you earn on FD. 

For domestic term deposits between ₹5 lakh and ₹1 crore, the bank charges a 1% penalty on premature withdrawal. However, if your fixed deposit is less than ₹5 lakh and you withdraw it after holding it for more than 12 months, no penalty is applied. Furthermore, for non-callable deposits, the bank charges a 2% penalty for early withdrawals. 

Tax on Bank of Baroda Fixed Deposit

Investing in the Bank of Baroda Tax Saving FD allows you to claim tax benefits of up to ₹1,50,000 per annum under Section 80C of the Income Tax Act. However, other Bank of Baroda FD schemes do not offer tax-saving benefits under this section. You must keep in mind that the income earned from Bank of Baroda fixed deposit interest rates is taxable depending upon your income tax slab. 

Additionally, a TDS of 10% is deducted if the interest income from your FD exceeds ₹50,000 per annum and ₹1,00,000 per annum for senior citizens. Moreover, if you fail to provide your PAN details to the bank, the TDS rate increases to 20%. To avoid TDS deductions, you can submit Form 15G or Form 15H to the bank, as applicable.

Bank of Baroda FD Interest Rates vs Other Banks FD Rates

Here, we have mentioned the highest interest rates on fixed deposits of some of the top private banks in India after the recent repo rate changes: 

Bank of Baroda Overdraft Against Fixed Deposits

You can easily avail an overdraft facility against your Fixed Deposit with Bank of Baroda, offering convenient access to funds without breaking your deposit. The bank allows you to borrow up to 90% of the face or book value of your FD, ensuring liquidity whenever needed.

What makes this facility even more attractive is that there are no processing or prepayment charges, and no maximum loan limit applies. This makes it a flexible and cost-effective way to meet short-term financial needs while your deposit continues to earn interest.

Bank of Baroda (BoB) FD Interest Calculator

Calculate your Bank of Baroda fixed deposit returns easily using the Bank of Baroda FD Calculator given below. 

Why Should You Choose Stable Money to Book a Fixed Deposit?

Stable Money partners with leading small finance banks and NBFCs to offer fixed deposit interest rates as high as 8.00%. By opening an FD through the Stable Money App, you can enjoy these attractive rates and receive an FD certificate upon booking.

These fixed deposits are insured up to ₹5 lakh under the guidelines of DICGC (Deposit Insurance Credit Guarantee Corporation), a subsidiary of the Reserve Bank of India (RBI). Our round-the-clock customer support ensures you can book multiple FDs conveniently from anywhere, anytime.

Conclusion

The Bank of Baroda FD interest rate continues to remain competitive in 2026, making it a strong choice for conservative investors. With multiple schemes, flexible tenures, and attractive Bank of Baroda FD interest rates, it offers a reliable way to grow your savings securely.

Get the Stable Money App now and start booking your high-interest FD with ease!