Bank of Baroda Interest Rates & Calculators
Complete guide to Bank of Baroda interest rates for FD, RD, and loans, plus top credit card comparison. Use our calculators to plan investments better.
Best FD Rate
7.35% p.a.
Home Loan
From 7.4%
Bank of Baroda FD Rates Overview
Bank of Baroda currently offers fixed deposit interest rates of up to 6.85% p.a. for the general public, and 7.35% for senior citizens. The full slab-wise BOB rate table is below — use the FD and RD calculators to compute your exact maturity amount.
Calculators & Simulators
BOB Planning & Calculators
Verified rates & instant amortization schedules for deposits, loans, and cards.
Deposits & Savings2 tools
Loans & Borrowing6 tools
BOB Home Loan EMI
Amortization & monthly EMI schedule
From 7.4% p.a.
BOB Personal Loan
Collateral-free flexible financing
From 10.4%
BOB Car Loan EMI
New passenger vehicle financing
From 7.85% p.a.
BOB Used Car Loan
Certified pre-owned vehicle EMI
From 10.9% p.a.
BOB Two Wheeler Loan
Bike & scooter loan EMI
From 10.75% p.a.
BOB Gold Loan EMI
Instant 18K/22K jewelry liquidity
From 9% p.a.
Credit Cards & Privileges1 tool
Latest BOB Interest Rates
Verified rate tables updated as banks revise deposit & loan terms.
Fixed Deposit Rates
Latest interest rates for all tenures. Compare general and senior citizen slabs.
| Type / Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
7 days to 14 days | 3.5% | 4% |
15 days to 45 days | 3.5% | 4% |
46 days to 90 days | 5% | 5.5% |
91 days to 180 days | 5% | 5.5% |
181 days to 210 days | 5.5% | 6% |
211 days to 270 days | 5.75% | 6.25% |
271 days & above and less than 1 year | 6% | 6.5% |
1 year | 6.25% | 6.75% |
Above 1 year to 2 Years (except 444 & 555 days) | 6.25% | 6.75% |
bob Square Drive (444 Days) | 6.45% | 6.95% |
bob Golden Goal (555 Days)Highest Yield | 6.85% | 7.35% |
Above 2 Years and upto 3 Years | 6.25% | 6.75% |
Above 3 Years and upto 5 Years | 6.3% | 6.9% |
Above 5 Years and upto 10 Years | 6% | 7% |
Above 10 years (MACAD only) | 5.5% | 6% |
Recurring Deposit Rates
Latest interest rates for all tenures. Compare general and senior citizen slabs.
| Type / Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
7 days to 14 days | 3.5% | 4% |
15 days to 45 days | 3.5% | 4% |
46 days to 90 days | 5% | 5.5% |
91 days to 180 days | 5% | 5.5% |
181 days to 210 days | 5.5% | 6% |
211 days to 270 days | 5.75% | 6.25% |
271 days & above and less than 1 year | 6% | 6.5% |
1 year | 6.25% | 6.75% |
Above 1 year to 2 Years (except 444 & 555 days) | 6.25% | 6.75% |
bob Square Drive (444 Days) | 6.45% | 6.95% |
bob Golden Goal (555 Days)Highest Yield | 6.85% | 7.35% |
Above 2 Years and upto 3 Years | 6.25% | 6.75% |
Above 3 Years and upto 5 Years | 6.3% | 6.9% |
Above 5 Years and upto 10 Years | 6% | 7% |
Above 10 years (MACAD only) | 5.5% | 6% |
Loan Interest Rates
Verified loan interest rates and processing fees across retail borrowing categories.
| Type / Tenure | Min Rate | Max Rate | Processing Fee |
|---|---|---|---|
Home LoanLowest Starting Rate | 7.4% | 9.15% | Processing Charges effective from 01.04.2025 — Baroda Home Loan (All variants), For all channels: Loan amount upto Rs.50.00 lacs- 0.50%, Min: Rs.8,500/- and Max: Rs.15,000/- Loan amount greater than Rs.50.00 lacs- 0.25%, Min: Rs.8,500/- and Max: Rs.25,000/- Takeover: Flat Rs.8,500/- NOTE: Above Charges are excl. of GST. |
| 10.4% | 17.75% | 1.00% to 2.00% of loan amount, min Rs. 1,000, max Rs. 10,000 + GST (Nil for Govt employees with BoB salary account) | |
| 7.85% | 11.55% | Up to Rs. 10 lakh: Rs. 1,500 + GST; above Rs. 10 lakh: Rs. 2,000 + GST | |
| 9% | 9.25% | Up to Rs. 3 lakh: Nil; Above Rs. 3 lakh: 0.50% of loan amount, max Rs. 3,500 + GST |
Official Card Registry (2026)
BOB Credit Cards (31)
Select any card to explore full rewards, airport lounge access & application benefits.
BOBCARD Etihad Guest Premium
super-premium₹5,000/yr6 Pts / ₹100
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BOBCARD Etihad Guest
premium₹2,500/yr3 Pts / ₹100
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BOBCARD Eterna
premium₹2,499/yr3 Pts / ₹100
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BOBCARD Tiara
premium₹2,499/yr3 Pts / ₹100
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Indian Navy Varunah Premium BOBCARD
premium₹2,499/yr3 Pts / ₹100
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BOBCARD Premier
premium₹1,000/yr2 Pts / ₹100
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ICAI Exclusive BOBCARD
premiumLifetime Free1 Pts / ₹100
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ICSI Diamond BOBCARD
premiumLifetime Free1 Pts / ₹100
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CMA One BOBCARD
premiumLifetime Free1 Pts / ₹100
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Indian Army YODDHA BOBCARD
premiumLifetime Free2 Pts / ₹100
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Indian Coast Guard Rakshamah BOBCARD
premiumLifetime Free2 Pts / ₹100
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Assam Rifles The SENTINEL BOBCARD
premiumLifetime Free2 Pts / ₹100
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BOBCARD Corporate
mid₹1,000/yr1 Pts / ₹100
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BOBCARD Micro Enterprise
mid₹500/yr1 Pts / ₹100
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BOBCARD Empower
mid₹500/yr1 Pts / ₹100
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HPCL Energie BOBCARD
mid₹499/yr1.33 Pts / ₹100
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IRCTC BOBCARD
mid₹350/yr2 Pts / ₹100
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Snapdeal BOBCARD
mid₹249/yr4 Pts / ₹100
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BOBCARD One
midLifetime Free1 Pts / ₹100
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BOBCARD Scapia
midLifetime Free2 Pts / ₹100
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BOBCARD Select
entry₹750/yr1 Pts / ₹100
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BOBCARD Easy
entry₹500/yr1 Pts / ₹100
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BOBCARD Cashback
entry₹499/yr1% Cashback
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Nainital Bank Renaissance BOBCARD
entry₹250/yr0 Pts / ₹100
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BOBCARD Pragati
entry₹250/yr1 Pts / ₹100
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BOBCARD Swavlamban
entry₹250/yr4 Pts / ₹100
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BOBCARD Uni GoldX
entryLifetime Free1 Pts / ₹100
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BOBCARD Prime
entryLifetime Free0 Pts / ₹100
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BOBCARD Vikram
entryLifetime Free1 Pts / ₹100
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Instant RuPay BOBCARD
entryLifetime Free1 Pts / ₹100
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PM SVANidhi BOBCARD
entryLifetime Free1 Pts / ₹100
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Why Choose Bank of Baroda?
Key benefits and features of banking with Bank of Baroda.
Competitive Rates
Up to 7.35% returns on deposits with attractive rates across short & long tenures.
Bank Security
Government-backed security with DICGC insurance up to ₹5 Lakhs.
Digital Banking
Instant online FD/RD booking, mobile banking apps, and quick digital loans.
Customer Service
Extensive branch & ATM network across India with dedicated support.
Key Features & Perks
Best FD Rate: 7.35% for Senior Citizens
General Rate: 6.85% for all citizens
Min FD Amount: ₹1K only
Min RD Amount: ₹100 monthly
Home Loan Rate: From 7.4%
Personal Loan: From 10.4%
Senior Citizen Benefit: Additional 0.5% on all tenures
Premature Penalty: Only 1%
Tax Deduction: TDS applicable if interest exceeds ₹50,000 per annum (₹1,00,000 for senior citizens)
Online Banking Available
Loan Against FD: Up to 90%
Government-owned bank with strong security
Wide branch network across India
Callable domestic term deposits including NRO below ₹3 Crore
Special schemes: bob Square Drive 444 days (6.45%), bob Golden Goal 555 days (6.75%)
Senior citizens: +0.50% on most tenures; +1.00% on 5–10 year deposits
Super senior citizens (80+): additional premium on select tenures (not shown separately)
Rates effective 12.06.2026
RD-specific rate table not published on official site; RD product page (Flexi Systematic Deposits) states "Rate of Interest — As per Card rates of Term Deposit as applicable on the date of Account Opening" (functionally FD-parity, though less explicit than a direct RD=FD sentence)
Interest rates last updated: Nov 2026
Verify on Bank of Baroda Official WebsiteMarket Comparison
Compare Rates with Other Banks
Check latest fixed deposit interest rates across peer financial institutions before investing.
