Considering the safest and most reliable ways to grow savings, investing in FDs becomes one of them. If you’re looking for stable returns with guaranteed interest, Bank of Baroda (BOB) has attractive options for you coming in the year 2025. With revised FD rates and a special Utsav Deposit Scheme, you should not be waiting any longer to lock in your money and earn interest as high as 7.95%, particularly if you are a senior citizen.
Why Choose Bank of Baroda Fixed Deposit?
One of India’s largest public sector banks, Bank of Baroda, provides competitive interest rates, flexible tenures, and safe investment options. FD schemes of BOB address a variety of financial requirements, whether you’re a working individual, a retiree, or an NRI.
Key Features of Bank of Baroda FDs (2025)
| Feature | Details |
|---|---|
| Minimum Deposit | ₹1,000 |
| Maximum Deposit | Up to ₹3 crore |
| Tenure Options | 7 days to 10 years |
| Interest Rates (General Public) | 4.25% to 7.45% p.a. |
| Interest Rates (Senior Citizens) | 4.75% to 7.95% p.a. |
| Premature Withdrawal Penalty | 1% (conditions apply) |
| Latest Revision Date | August 13, 2024 |
Bank of Baroda FD Interest Rates 2025 (Domestic Deposits Below ₹2 Crore)
Here’s a detailed breakdown of the latest Bank of Baroda FD rates for different tenures:
| Tenure | General Citizens | Senior Citizens |
|---|---|---|
| 7-14 days | 4.25% | 4.75% |
| 15-45 days | 4.50% | 5.00% |
| 46-90 days | 5.50% | 6.00% |
| 91-180 days | 5.60% | 6.10% |
| 181-210 days | 5.75% | 6.25% |
| 211-270 days | 6.25% | 6.75% |
| 271 days to <1 year | 6.50% | 7.00% |
| 1 year | 6.85% | 7.35% |
| 399 days (Monsoon Dhamaka Scheme) | 7.15% | 7.65% |
| Above 1 year to 400 days | 6.85% | 7.35% |
| Above 400 days to 2 years | 6.85% | 7.35% |
| Above 2 years to 3 years | 7.15% | 7.65% |
| Above 3 years to 5 years | 6.50% | 7.15% |
| Above 5 years to 10 years | 6.50% | 7.50% |
Special Schemes: BOB Utsav Deposit Scheme (400 Days)
Bank of Baroda’s Utsav Deposit Scheme is a very special offer for a very limited period that promises higher returns over a 400-day tenure.
BOB Utsav Deposit Scheme: Key Highlights
- Tenure: 400 days
- Interest Rate for Senior Citizens: Up to 7.95% p.a.
Eligibility: Any investor
- Special Benefits: Higher returns than available in regular FDs
- This scheme suits investors looking for short-to-medium-term investments with maximum returns.
Tax-Saving FD (5-Year Lock-In Period)
For investors looking for tax benefits under Section 80C, Bank of Baroda offers a 5-year tax-saving FD with attractive rates:
| Tenure | General Citizens | Senior Citizens |
|---|---|---|
| 5 years | 6.50% | 7.15% |
Key Benefits of Tax-Saving FD:
- Tax deduction up to ₹1.5 lakh under Section 80C
- Fixed returns with zero market risk
- Higher interest for senior citizens
NRO & NRE FD Rates (For NRIs)
Bank of Baroda also offers attractive NRI FD options with competitive interest rates:
NRO FD Rates (Below ₹2 Crore)
| Tenure | Interest Rate |
|---|---|
| 1 year | 7.00% |
| 399 days (Monsoon Dhamaka Scheme) | 6.85% |
| Above 1 year to 400 days | 7.45% |
| Above 400 days to 2 years | 7.00% |
NRE FD Rates (Below ₹2 Crore)
| Tenure | Interest Rate |
|---|---|
| 1 year | 7.00% |
| Above 1 year to 400 days | 7.45% |
| Above 400 days to 2 years | 6.85% |