Bank of India Interest Rates & Financial Calculators
Compare FD, RD, and loan rates with our calculators
Complete guide to Bank of India interest rates for FD, RD, and loans. Use our calculators to plan your investments and loans better.
Best FD Rate
7.2%
Home Loan Rate
7.35%
Bank Type
public
Last Updated
Oct 2025
Latest BOI Interest Rates
Deposits (FD & RD) Interest Rates
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% | 3.5% |
15 days to 30 days | 3% | 3.5% |
31 days to 45 days | 3% | 3.5% |
46 days to 90 days | 4.5% | 5% |
91 days to 179 days | 4.25% | 4.75% |
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 | 6.25% | 6.75% |
Above 1 Year to less than 2 Years | 6.3% | 6.8% |
450 Days (BOI Star Utsav) | 6.6% | 7.1% |
2 Years to 3 Years | 6.5% | 7% |
Above 3 Years to 5 Years | 6.4% | 6.9% |
555 Days (Green Deposit) | 6.7% | 7.2% |
5 Years to 10 Years | 6.5% | 7% |
Bank of India Recurring 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 |
|---|---|---|
6 months | 5.5% | 6% |
1 year | 6.25% | 6.75% |
2 years | 6.3% | 6.8% |
3 years | 6.5% | 7% |
5 years | 6.4% | 6.9% |
BOI Calculators & Tools
Loan Interest Rates
Bank of India Loan Interest Rates
Current Bank of India loan interest rates and processing fees for different loan types.
| Type/Tenure | Min Rate | Max Rate | Processing Fee |
|---|---|---|---|
Home Loan | 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 |
Why Choose Bank of India?
Discover the advantages of banking with one of India's most trusted financial institutions
Competitive Rates
Up to 7.2% returns on Fixed Deposits with attractive rates for all tenures
Bank Security
Government-backed security with deposit insurance up to ₹5 lakhs
Digital Banking
Advanced mobile banking, online FD booking, and instant loan approvals through digital channels
Customer Service
24/7 customer support with extensive branch network and dedicated relationship managers
Additional Benefits
Interest rates last updated: Oct 2025
Data Source
Bank of India Official Rates