Bank of Baroda (BOB) FD Calculator

Bank of Baroda Fixed Deposits Explained

Bank of Baroda offers retail term deposits from 7 days to 10 years across one of India's largest public sector networks, extended further by the amalgamation of Vijaya Bank and Dena Bank into it on 1 April 2019 — the first three-way merger among Indian public sector banks. Deposits are opened and serviced through bob World, the bank's consolidated mobile application, or at any branch.

BOB FD Schemes You Can Open

Bank of Baroda's retail deposits divide by interest treatment and eligibility rather than by branded name:

• •Cumulative term deposit — Interest compounds quarterly and is settled with the principal at maturity — the structure modelled above.
• •Non-cumulative term deposit — Interest is credited out at monthly or quarterly intervals for depositors who need the income as it accrues.
• •Tax-saving deposit (5-year) — Qualifies under Section 80C, locked for the full five years with no premature closure and no facility to pledge it.
• •Senior citizen variant — Carries the increment Bank of Baroda extends to resident depositors aged 60 and above on eligible tenures.

BOB FD Tenure Slabs and Deposit Rules

Tenure decides how the interest is worked out, not just how long the money is tied up. Below roughly six months there is no completed quarter, so interest is simple; past that it compounds quarterly.

How to Check BOB FD Interest Rates

BOB FD rates are quoted per tenure slab and revised as policy and funding needs shift, so a one-year and a three-year deposit opened on the same morning can price differently.

Bank of Baroda publishes its domestic term deposit card on bankofbaroda.in and inside bob World, split by tenure bucket with a separate senior citizen column and any special-tenure deposits listed alongside.

Take the current Bank of Baroda fixed deposit rates for your exact tenure from the official card, then enter that number above.

What Is Specific to a BOB FD

• •The 2019 three-way merger means former Vijaya Bank and Dena Bank customers now transact under Bank of Baroda IFSC codes.
• •bob World consolidated what were previously several separate applications and handles the full deposit lifecycle.
• •The combined network is unusually deep in Gujarat, Maharashtra and Karnataka, which matters if you deposit over the counter.
• •Bank of Baroda maintains one of the larger overseas branch footprints among Indian public sector banks.
• •A loan against the accumulated deposit avoids the penalty re-pricing that premature closure triggers.

Enter the rate Bank of Baroda quotes for your chosen tenure above to see the exact maturity value and how the interest accrues year by year.

Compare lenders on the master FD calculator, or a monthly commitment on the RD calculator.