Bank of Baroda Fixed Deposit Rates 2025: Interest Rates, Eligibility & FD Calculator Guide

In this blog, we will cover everything you need to know about Bank of Baroda’s fixed deposits in 2025 — including updated interest rates, eligibility criteria, the benefits of opening an FD, and how you can calculate your returns using the FD calculator. 

What is a Fixed Deposit (FD)?

A Fixed Deposit (FD) is a financial instrument offered by banks where you deposit a lump sum amount for a fixed period at a predetermined interest rate. Unlike a savings account, the money in an FD is locked in for a chosen tenure (ranging from a few days to several years), and you earn guaranteed interest on it over time. The interest rate remains unchanged during the entire term, regardless of market conditions.

At the end of the tenure, you receive your original deposit along with the interest earned — also known as the maturity amount. FDs are a low-risk investment ideal for individuals seeking stable and safe returns, making them popular among both young professionals and retirees.

Bank of Baroda Fixed Deposit Interest Rates 2025 

Bank of Baroda offers fixed deposit interest rates that vary based on the deposit amount, tenure, and the category of the depositor (general public or senior citizens). As of 2025, the FD rates typically range between 3.00% to 7.25% per annum. These rates may differ slightly depending on the specific FD scheme you choose. 

Tenors	Residents / General Public	Resident Indian Sr. Citizen	Resident Super Senior Citizen
7 days to 14 days	4.25	4.75*	4.75*
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 & above and less than 1 year	6.50	7.00*	7.00*
1 year	6.85	7.35*	7.35*
Above 1 year to 400 days	7.00	7.50*	7.60 $
Above 2 Years and upto 3 Years	7.15	7.65*	7.75 $

 

Eligibility Criteria for Opening a Fixed Deposit in Bank of Baroda

Bank of Baroda makes it simple and accessible for a wide range of individuals and institutions to open a fixed deposit account. Below are the key eligibility requirements:

1. Who Can Apply:

1. Resident individuals (single or joint)
2. Hindu Undivided Families (HUFs)
3. Sole proprietorship firms
4. Partnership firms
5. Companies and corporate bodies
6. Trusts and associations
7. NRIs (for NRE/NRO fixed deposits)

2. Documents Required:

1. Identity Proof: Aadhaar card, PAN card, Voter ID, Passport, or Driving License
2. Address Proof: Utility bill, Aadhaar, Passport, or any government-recognized document
3. PAN Card (mandatory for deposits above ₹50,000)
4. Recent passport-size photographs
5. For NRIs: Passport, visa/work permit, overseas address proof, and NRE/NRO account details

Benefits of Bank of Baroda Fixed Deposits

Bank of Baroda Fixed Deposits are designed to offer both security and steady growth for your money. Whether you're saving for a specific goal or just want a safe place to park your funds, here are the key benefits explained in depth:

1. Guaranteed Returns – No Market Risk

Unlike mutual funds or stocks, fixed deposits offer a fixed rate of interest, which means your returns are not affected by market fluctuations. This makes FDs ideal for conservative investors who prefer stability and predictability. Once you invest, the interest rate remains locked in for the entire duration.

2. Attractive Interest Rates

Bank of Baroda offers competitive FD interest rates, especially for medium- to long-term deposits. As of 2025, rates can go up to 7.25% per annum for senior citizens. This is significantly higher than what savings accounts usually offer, helping your money grow faster over time.

3. Higher Rates for Senior Citizens

Senior citizens (aged 60 years and above) enjoy an additional 0.50% interest over regular FD rates. This special benefit helps them earn better returns and can be a crucial part of their retirement income plan. For example, if the general rate is 6.75%, senior citizens may get 7.25% for the same deposit term.

4. Flexible Tenure Options

Bank of Baroda offers FDs with tenure options ranging from 7 days to 10 years. This gives you complete control to choose the time frame that matches your financial goals — be it a short-term investment or long-term wealth building.

5. Loan Against FD

In case of emergencies, you don’t have to break your FD. You can get a loan or overdraft facility of up to 90% of your deposit amount at competitive interest rates. This is a great way to meet urgent financial needs without affecting your investment.

6. Easy Online Management

With digital banking through the BOB World app and internet banking, you can easily open, manage, and renew your FDs from the comfort of your home. You can also download interest certificates, set maturity instructions, or track FD performance online — all in a few clicks.

7. Auto-Renewal and Nomination Facility

BOB allows you to set auto-renewal at the time of opening the FD. This ensures that your FD continues earning interest even if you forget to renew it manually. Additionally, you can nominate a beneficiary, making it easier for your family to claim the amount in case of unforeseen events.

8. Tax-Saving FDs Under Section 80C

Bank of Baroda also offers Tax Saving Fixed Deposits with a lock-in period of 5 years, where you can claim tax deduction up to ₹1.5 lakh under Section 80C of the Income Tax Act. This is a popular option for salaried and self-employed individuals during tax season.

9. Safe and Trusted Investment

Being one of India’s largest and oldest public sector banks, Bank of Baroda offers high trust and reliability. Your deposit is also insured under the Deposit Insurance and Credit Guarantee Corporation (DICGC) for up to ₹5 lakh, providing an extra layer of safety.

How to Use the Bank of Baroda Fixed Deposit Calculator 

To help customers estimate their returns, Bank of Baroda provides an FD calculator that’s available online. This tool allows you to input basic details like deposit amount, interest rate, and tenure to calculate the maturity amount.

Steps to Use the FD Calculator:

1. Visit the Bank of Baroda FD Calculator page.
2. Enter the deposit amount.
3. Select the tenure of the FD.
4. Choose the type of FD (Regular or Senior Citizen).
5. The calculator will automatically display the maturity amount and interest earned.

This is especially helpful if you're planning investments for specific financial goals such as education, travel, or retirement.