Bank of Baroda FD Rates

Bank of Baroda (BoB) offers FD interest rates of 4.25% - 7.25% p.a. to the general public and 4.75% - 7.75% p.a. to senior citizens on tenures ranging from 7 days to 10 years. The interest rate on Bank of Baroda Tax Saving FDs is 6.50% p.a. for the general public and 7.15% - 7.50% p.a. for senior citizen depositors for tenures of 5 to 10 years. The bank also offers various fixed deposit products for NRIs, such as NRO, NRE and FCNR fixed deposits. Bank of Baroda accepts FCNR fixed deposits in US Dollars (USD), British Pound Sterling (GBP), Euro (EUR), Australian Dollar (AUD) and Canadian Dollar (CAD).

Bank of Baroda FD Interest Rates: Highlights 2024

Highest slab rate	7.25% p.a. (above 2 years and up to 3 years)
For 1 year	6.85% p.a.
For 2 years	6.85% p.a.
For 3 years	7.25% p.a.
For 4 years	6.50% p.a.
For 5 years	6.50% p.a.
Tax-Saving FD	6.50% p.a.

Note: Interest rates as of 19th February 2024

BoB FD Interest Rates

Bank of Baroda FD rates on Domestic/NRO Deposits of less than Rs. 2 Crore (with premature withdrawal facility) w.e.f. 15 January 2024

Tenure	Interest Rates (%) p.a.
	Regular Citizens	Senior Citizens
7 days to 14 days	4.25	4.75
15 days to 45 days	4.50	5.00
46 days to 90 days	5.50	6.00
91 days to 180 days	5.60	6.10
181 days to 210 days	5.75	6.25
211 days to 270 days	6.15	6.65
271 days & above and less than 1 year	6.25	6.75
360 days (bob360)	7.10	7.60
1 year	6.85	7.35
Above 1 year to 400 days	6.85	7.35
Above 400 days and upto 2 Years	6.85	7.35
Above 2 Years and upto 3 Years	7.25	7.75
Above 3 Years and upto 5 Years	6.50	7.15*
Above 5 Years and upto 10 Years	6.50	7.50**
Above 10 years (MACT/MACAD Court Order schemes only)	6.25	6.75
399 Days (Baroda Tiranga Plus Deposit Scheme)	7.15	7.65

Notes:

1. Additional senior citizen rates (50 bps) is applicable to resident Indian senior citizens only
2. *Additional interest rate: 0.50% + 0.15%
3. **Additional interest rate: 0.50% + 0.50%

Baroda Tax Savings Fixed Deposit w.e.f. 15 January 2024

Tenure	Interest Rate for Regular Individuals	Interest Rates for Senior Citizens
For 5 years	6.50%	7.15%*
Above 5 years to up to 10 years	6.50%	7.50%**

Note:

1. Additional senior citizen rates is applicable to resident Indian senior citizens only
2. *Additional interest rate: 0.50% + 0.15%
3. **Additional interest rate: 0.50% + 0.50%

Bank of Baroda NRI FD Interest Rates

Bank of Baroda NRE FD Interest Rates on deposits less than Rs. 2 Crore (with premature withdrawal facility) w.e.f. 15th January 2024

Tenure	Interest Rate (%)
1 year	6.85
Above 1 Years to 400 days	6.85
Above 400 days and upto 2 Years	6.85
Above 2 Years and upto 3 Years	7.25
Above 3 Years and upto 5 Years	6.50
Above 5 Years and upto 10 Years	6.50
399 Days (Baroda Tiranga Plus Deposit Scheme)	7.15

Bank of Baroda FD Interest Rates on FCNR (B) deposits w.e.f. 16 February 2024 to 23 February 2024

Tenure/Currency	Interest Rates (% p.a.)
	USD	GBP	EUR	AUD	CAD
1 year to less than 2 years	5.80	5.00	1.50	3.60	4.50
2 years to less than 3 years	3.95	2.35	1.50	3.50	4.10
3 years to less than 4 years	3.80	2.45	1.50	3.00	3.85
4 years to less than 5 years	3.85	2.45	1.50	3.00	3.90
5 years	3.90	2.45	1.50	3.00	3.95

Bank of Baroda Credit Card Against FD

Bank of Baroda Credit Card against FD is a facility provided by the lender to enable its existing depositors avail credit cards. The lender offers Bank of Baroda Credit Card against FD to its depositors against the security of their ongoing fixed deposit with the bank. The Bank of Baroda Prime Credit Card, a lifetime free Bank of Baroda Credit Card against FD, is issued to the applicants without income proof. Here are the top features of Bank of Baroda Prime Credit Card:

Particulars	Prime
Minimum FD	Rs. 15,000
Joining Fee	NIL
Annual Fee	NIL
Add on Card Fee	NIL
Finance Charges	39% APR (annual percentage rate)