BOB FD Interest Rates 2026: Bank of Baroda Fixed Deposit Rates & Returns

Introduction to BOB FD Interest Rates 2026

Bank of Baroda Fixed Deposit interest rates 2026 continue to attract conservative investors looking for stable and predictable returns. With interest rates ranging from 3.50% to 6.60% for regular investors and going up to 7.75% for senior citizens, BOB fixed deposits remain a trusted savings option.

For investors seeking capital protection, assured returns, and flexible tenures—from 7 days to 10 years—Bank of Baroda FDs provide a strong alternative to low-yield savings accounts.

Bank of Baroda Fixed Deposit Interest Rates Overview

Bank of Baroda offers a wide range of FD schemes designed for short-term liquidity, medium-term savings, and long-term wealth preservation. Senior citizens enjoy an additional 0.50% p.a. over regular rates.

Interest is compounded quarterly, helping investors maximise returns over time.

Special FD Schemes by Bank of Baroda

BOB periodically introduces special tenure deposits such as:

• Baroda Tiranga Plus Deposit (399 days)

• BOB360 FD (360 days)

These schemes offer higher interest rates than standard tenures and are ideal for investors looking to lock funds for a fixed period with enhanced returns.

Term-Wise Bank of Baroda FD Interest Rates

Short-Term Deposits (7 Days – 1 Year)

• Regular: 3.50% – 6.25%

• Senior Citizens: 4.00% – 6.75%

Medium-Term Deposits (1 – 5 Years)

• Regular: 6.40% – 6.50%

• Senior Citizens: Up to 7.15%

Long-Term Deposits (5 – 10 Years)

• Regular: 5.50% – 6.50%

• Senior Citizens: 6.00% – 7.50%

Benefits of Bank of Baroda Fixed Deposits

• Attractive BOB FD interest rates 2026

• Quarterly compounding

• Additional 0.50% interest for senior citizens

• Auto-renewal facility

• Loan/overdraft against FD

• Wide tenure flexibility

Eligibility for Opening a BOB Fixed Deposit

You can open a Bank of Baroda FD if you are:

• An individual (resident or senior citizen)

• Hindu Undivided Family (HUF)

• Partnership firm or company

• Sole proprietor

• Minor (through guardian)

Documents Required for BOB FD

• Identity proof: Aadhaar, PAN, Passport, Voter ID

• Address proof: Passport, utility bill, bank statement

• Passport-size photographs

• Entity-specific documents (for HUFs, firms, companies)

Premature Withdrawal Rules & Penalties

Bank of Baroda allows premature FD withdrawal with penalties:

• ₹5 lakh – ₹1 crore: 1% penalty

• Below ₹5 lakh (after 12 months): No penalty

• Non-callable FDs: 2% penalty

Taxation on Bank of Baroda Fixed Deposits

• Interest income is taxable as per your income slab

• TDS @10% if interest exceeds ₹50,000 (₹1,00,000 for senior citizens)

• TDS @20% if PAN not submitted

• Submit Form 15G/15H to avoid TDS if eligible

Overdraft Facility Against BOB FD

• Loan up to 90% of FD value

• No processing or prepayment charges

• FD continues earning interest

This facility offers liquidity without breaking your deposit.

Should You Invest in BOB FD in 2026?

If you prioritise safety, assured returns, and flexible tenures, Bank of Baroda fixed deposits remain a dependable choice in 2026—especially for senior citizens and risk-averse investors.

However, for higher returns, you may also explore corporate FDs, NBFC deposits, and alternative fixed-income options available on Ultra.

Explore high-yield fixed-income opportunities on ultra and diversify your savings smarter.

Frequently Asked Questions

What is the highest Bank of Baroda FD interest rate for senior citizens?

Up to 7.75% p.a., depending on tenure.

Can I withdraw my BOB FD before maturity?

Yes, subject to applicable penalties.

What is the interest rate for a 3-year BOB FD?

Up to 7.25% for regular and 7.75% for senior citizens.

What is the FD rate for 400 days in Bank of Baroda?

Up to 7.15% (regular) and 7.65% (senior citizens).