In today’s uncertain financial world, fixed deposits (FDs) continue to be a reliable and secure option for millions of Indian families. When it comes to safe investment choices, one name that brings trust and stability is the Bank of Baroda. As one of India’s leading public sector banks, it has announced updated FD interest rates for 2025, bringing attractive returns for both general investors and senior citizens.
In this detailed guide, we’ll walk you through the latest Bank of Baroda FD Rates 2025, highlight the most rewarding tenures, special schemes like Square Drive Deposit, and the added benefits available for senior and super senior citizens. Whether you’re saving for your future or planning tax-efficient investments, this article has everything you need—clear comparisons, helpful tips, and an emotional touch to make informed financial decisions.
Bank of Baroda FD interest rates depend on your deposit amount and tenure. In 2025, the highest interest rates are available on 2 to 3-year FDs, especially under the Square Drive Deposit Scheme.
Bank of Baroda FD Rates 2025:
| Feature | Details |
| Minimum Deposit Amount | ₹1,000 |
| Maximum Deposit Amount | ₹3 Crore (Regular FD) |
| Tenure | 7 days to 10 years |
| Interest Rates for General Public | 4.25% to 7.15% p.a. |
| Interest Rates for the General Public | 4.75% to 7.75% p.a. |
| Highest Interest Rate | 7.15% (2 to 3 year FD, Square Drive Scheme) |
Highest Interest Rates: Where Are They Found in 2025?
The Square Drive Deposit scheme offers the most favorable interest rate of 7.15% on FDs for a tenure period of 2-3 years. This will give you a brief overview of current rates:
Interest Rates – April 2025
| Tenure | General Public (%) | Senior Citizen (%) | Super Senior Citizen (%) |
| 7 days to 14 days | 4.25 | 4.75 | 4.75 |
| 15 days to 45 days | 4.50 | 5.00 | 5.00 |
| 46 days to 90 days | 5.50 | 6.00 | 6.00 |
| 91 days to 180 days | 5.60 | 6.10 | 6.10 |
| 181 days to 210 days | 5.75 | 6.25 | 6.25 |
| 211 days to 270 days | 6.25 | 6.75 | 6.75 |
| 271 days to less than 1 year | 6.50 | 7.00 | 7.00 |
| 1 year | 6.85 | 7.35 | 7.35 |
| 1 year to 400 days | 7.00 | 7.50 | 7.60 |
| 400 days to 2 years | 7.00 | 7.50 | 7.60 |
| 2 years to 3 years | 7.15 | 7.65 | 7.75 |
| 3 years to 5 years | 6.80 | 7.40 | 7.50 |
| 5 years to 10 years | 6.50 | 7.50 | 7.50 |
Benefits of Investing in Bank of Baroda FD
- Government-backed security trusted name with a nationwide presence.
- Guaranteed returns are not affected by fickle market conditions.
- Flexible tenures for short-term and long-term, as per your goal.
- Loan facility- where you can get an amount up to 95% of your FD as a loan/overdraft.
- Convenient online booking, renewal, and management of FDs.
- Tax benefits-invest in tax-saving schemes and reduce taxable income.
The foremost in the Bank of Baroda FD schemes of 2025
Square Drive Deposit Scheme
It offers the highest returns in the segment for a tenure of 2 to 3 years.
- Generally, interest rates are 7.15%, while super senior citizens can avail of 7.75%
- In effect from April 7, 2025.
Earth Green Term Deposit
An eco-friendly FD scheme.
- The returns range from 7.10% (777 days) for general investors to 7.60% for seniors.
- Tenors of longer duration, 1111 days and 1717 days, offer respectable returns.
Tax Saving FD
Five years lock-in.
- Tax exemption up to Section 80C of the Income Tax Act.
- Returns: 6.80% General, 7.40% Senior Citizens, 7.50% Super Seniors.
Bank of Baroda FD Interest Rates 2025 Comparison with Other Banks
| Name of the Bank | Highest FD Interest Rate (%) | 1 Year FD Rate (%) | 3 Year FD Rate (%) | 5 Year FD Rate (%) | Additional Rate for Senior Citizens (%) |
| Bank of Baroda | 7.15 | 6.85 | 7.15 | 6.80 | 0.50-1.00 |
| SBI | 7.00 | 6.80 | 6.75 | 6.50 | 0.50 |
| HDFC Bank | 7.25 | 6.60 | 7.00 | 7.00 | 0.50 |
| ICICI Bank | 7.10 | 6.70 | 7.00 | 6.90 | 0.50 |
| Axis Bank | 7.10 | 6.75 | 7.00 | 7.00 | 0.50 |
How to Open a Bank of Baroda FD?
- Visit your nearest Bank of Baroda branch or go online via the official website or mobile app.
- Fill out the FD account opening form.
- Submit required documents (ID proof, address proof, photo, and bank details).
- Choose the deposit amount and tenure.
- Once submitted, you’ll receive the FD receipt, confirming your investment.