BoB FD Calculator
Preset to BoB's current fd calculator rate of 6.85%. Change any value to see your own numbers.
- Current rate 6.85%
- Range 3.50–7.15%
- Rank #3 of 8 banks
- Verified 16 July 2026
BoB FD Calculator
- Principal₹1,00,000
- Interest @ 6.85%₹7,028
- Maturity amount₹1,07,028
Principal vs interest
- Principal ₹1,00,000
- Interest ₹7,028
BoB FD interest rates 2026
| Tenure / slab | Rate | Senior citizen |
|---|---|---|
| 7–45 days | 3.50% | 4.00% |
| 46–180 days | 5.75% | 6.25% |
| 1 year | 6.85% | 7.35% |
| 2–3 years | 7.15% | 7.65% |
| 5 years | 6.50% | 7.00% |
Bank of Baroda pays 6.85% on a 1-year fixed deposit as of 16 July 2026, with senior citizens earning about 0.50% more. The calculator above is preset to that rate so you can see your maturity instantly.
BoB's fixed deposit rates range from 3.50% to 7.15% across tenures. Below is the full BoB rate table, the deposit rules that matter, and how BoB stacks up against the 8 banks we track.
BoB FD — key facts
- Senior citizens earn an extra 0.50% across tenures on Baroda retail term deposits.
- Deposits with this public-sector bank are insured by the DICGC up to ₹5,00,000 per depositor.
- Bank of Baroda's peak retail rate currently sits in the 2–3 year bucket rather than at the longest tenure.
- Premature withdrawal is allowed with a penalty of about 1% on the applicable rate for retail deposits.
How BoB compares
BoB's FD rate is above the category median — competitive, but AU SFB pays more at 7.25%.
BoB FD FAQs
What is BoB's FD interest rate in 2026?
Bank of Baroda pays 6.85% on a 1-year FD, with rates across tenures ranging from 3.5% to 7.15%.
What FD rate do senior citizens get at BoB?
Senior citizens earn about 7.35% on a 1-year deposit — typically 0.50% above the regular rate. Turn on the senior-citizen option in the calculator to include it.
Is there a penalty for breaking a BoB FD early?
Premature withdrawal is allowed with a penalty of about 1% on the applicable rate for retail deposits.
Are BoB deposits safe?
Deposits with this public-sector bank are insured by the DICGC up to ₹5,00,000 per depositor.