Bank FD Comparison Tool
City Union Bank vs Bank of Baroda Fixed Deposit Comparison 2026
Compare Fixed Deposit interest rates, maturity amounts, and features between City Union Bank (Public Sector) and Bank of Baroda (Public Sector).
City Union
Public Sector
VS
BOB
Public Sector
City Union: Min ₹1,000
BOB: Min ₹1,000
DICGC Insured up to ₹5 Lakhs
Compare Your FD Returns
Adjust the parameters below to see how returns compare between the two banks
₹
Five Lakhs rupees
₹1,000₹20,00,000
years
1 year10 years
Interest Rate Comparison
Interest Rates by Tenure
General rates across different tenures
Current selection: 3 years (1095 days) -City Union: % |BOB: %
Side-by-Side Rate Comparison
Direct comparison of general rates
City Union
BOB
Highlighted = Your selected tenure
Feature Comparison
Features | City Union Public Sector | BOB Public Sector |
|---|---|---|
Minimum FD Amount | ₹1,000 | ₹1,000 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
City Union Bank
Public Sector Bank
Key Advantages:
Competitive interest rates
Secure banking
Online services available
Bank of Baroda
Public Sector Bank
Key Advantages:
Government-owned bank with strong security
Wide branch network across India
Competitive interest rates
BOB Square Drive special scheme (444 days)
Online FD booking facility
Senior citizen benefits
Important: Fixed Deposit Safety & Insurance Coverage
₹5 Lakh Insurance Limit
The Deposit Insurance and Credit Guarantee Corporation (DICGC) provides insurance coverage of up to ₹5 lakhs per depositor per bank. This means if you deposit more than ₹5 lakhs in a single bank, only ₹5 lakhs is guaranteed by the government.
⚠️ Recommendation:
Never deposit more than ₹5 lakhs in a single bank. If you have larger amounts, distribute them across multiple banks to ensure full insurance coverage.
Smart Distribution Strategy
For ₹10 lakhs: Split between City Union (₹5L) + BOB (₹5L)
For ₹15 lakhs: Add a third bank to the mix
💡 Pro Tip:
You can also open FDs in different family members' names in the same bank to get additional ₹5 lakh coverage for each account holder.
Key Insights & Recommendations
Choose City Union If:
- •Minimum amount: ₹1,000
- •Public Sector banking preference
- •Competitive interest rates
- •Secure banking
- •Online services available
Choose BOB If:
- •Minimum amount: ₹1,000
- •Public Sector banking preference
- •Government-owned bank with strong security
- •Wide branch network across India
- •Competitive interest rates
Best Strategy:
- •Split large amounts across both banks
- •Keep ≤₹5L per bank for insurance
- •Compare rates before investing
- •Consider branch convenience
- •Review rates periodically
Explore more FD comparisons
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Compare City Union with other banks
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