Bank of India Interest Rates & Calculators
Complete guide to Bank of India interest rates for FD, RD, and loans. Use our calculators to plan your investments and loans better.
For Senior Citizens
Lowest available EMI
Flexible tenures
Up to ₹5 Lakhs insured
Bank of India FD Rates Overview
Bank of India currently offers fixed deposit interest rates of up to 6.85% p.a. for the general public, and 7.45% for senior citizens. The full slab-wise BOI rate table is below — use the FD and RD calculators to compute your exact maturity amount.
BOI Financial Calculators
FD Calculator
Calculate BOI Fixed Deposit returns with latest rates
RD Calculator
Plan your BOI Recurring Deposit investments
Home Loan EMI Calculator
Calculate BOI home loan EMI with current rates
Personal Loan Calculator
Check BOI personal loan EMI and eligibility
BOI Credit Cards
Compare all 8 BOI credit cards on net value, rewards & perks
Latest BOI Interest Rates
Verified rate tables updated as banks revise deposit & loan terms.
Bank of India Fixed Deposit Rates
Latest Bank of India Fixed Deposit interest rates for all tenures. Compare general and senior citizen rates.
| Type / Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
7 days to 14 days | 3% | 3% |
15 days to 30 days | 3% | 3% |
31 days to 45 days | 3% | 3% |
46 days to 90 days | 4.5% | 4.5% |
91 days to 179 days | 4.25% | 4.25% |
180 days to 210 days | 5.5% | 6% |
211 days to 269 days | 5.5% | 6% |
270 days to less than 1 Year | 5.5% | 6% |
1 Year | 6.5% | 7% |
Above 1 Year to less than 2 Years | 6.5% | 7% |
2 Years to less than 3 Years | 6.6% | 7.1% |
3 YearsHighest Yield | 6.7% | 7.45% |
Above 3 Years to less than 5 Years | 6.25% | 7% |
5 Years to less than 8 Years | 6% | 6.75% |
8 Years to 10 Years | 6% | 6.75% |
Green Deposit (Harit Jama) 999 Days | 6.85% | 7.35% |
Bank of India Recurring Deposit Rates
Latest Bank of India Recurring Deposit interest rates for all tenures. Compare general and senior citizen rates.
| Type / Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
7 days to 14 days | 3% | 3% |
15 days to 30 days | 3% | 3% |
31 days to 45 days | 3% | 3% |
46 days to 90 days | 4.5% | 4.5% |
91 days to 179 days | 4.25% | 4.25% |
180 days to 210 days | 5.5% | 6% |
211 days to 269 days | 5.5% | 6% |
270 days to less than 1 Year | 5.5% | 6% |
1 Year | 6.5% | 7% |
Above 1 Year to less than 2 Years | 6.5% | 7% |
2 Years to less than 3 Years | 6.6% | 7.1% |
3 YearsHighest Yield | 6.7% | 7.45% |
Above 3 Years to less than 5 Years | 6.25% | 7% |
5 Years to less than 8 Years | 6% | 6.75% |
8 Years to 10 Years | 6% | 6.75% |
Green Deposit (Harit Jama) 999 Days | 6.85% | 7.35% |
Bank of India Loan Rates
Bank of India Loan Interest Rates Rates
Current Bank of India loan interest rates and processing fees for different loan types.
| Type / Tenure | Min Rate | Max Rate | Processing Fee |
|---|---|---|---|
Home LoanHighest Yield | 7.35% | 8.35% | 0.25-0.50% of loan amount + GST (Min ₹1,500, Max ₹40,000) |
Personal Loan | 8.35% | 12.35% | 2% of loan amount + GST (Max ₹10,000) |
Car Loan | 7.85% | 10.5% | 0.25% of loan amount (₹1,000-₹5,000) + GST |
Education Loan | 8.4% | 10.4% | Nil for loans up to ₹7.5 lakhs |
Business Loan | 8.85% | 12.5% | 0.75% of loan amount + GST |
Two Wheeler Loan | 9.5% | 12% | ₹1,000 + GST |
Gold Loan | 7.4% | 8.9% | ₹500 + GST |
Explore Best Bank of India Credit Cards
Compare all 8 BOI credit cards on real net annual value — cashback rates, airport lounge access, reward caps & fee waivers compared.
Why Choose Bank of India?
Key benefits and features of banking with Bank of India.
Competitive Rates
Up to 7.45% 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
Compare Rates with Other Banks
Check latest fixed deposit interest rates across peer financial institutions before investing.
