Mobile Number in account will be Mandatory for the issuance of Personalized Cheque Book
Bank announces Financial Results for Quarter ended, 30th September 2025.
As an enhanced security measure, our official Corporate Website has migrated to a new domain : https://bankofbaroda.bank.in
With Bank Of Baroda personal loan, you get lowest interest rates, instant approval with minimal documentation. Checkout Bank of Baroda personal loan interest rates & eligibility. Apply now!
Apply for Bank of Baroda Home Loan online at the lowest interest rates. Checkout our home loan eligibility, interest rates, documentation. Get instant home loan approval. Apply now!
Car Loan: Apply for auto loan online by Bank of Baroda at an attractive interest rates & easy EMI option. Upto 90% financing on on-road price. Buy your dream car today!
Why should finance come in the way of future? Getting an education loan is an easy way to finance your dreams. A student loan can help you get into the university of your choice. Bank of Baroda is here to finance your dreams, education & career goals.
The easiest way to save for you, for your loved ones, and for your future. A savings account gives you the liberty to choose according to your needs and additionally give you benefits for all your transactions. With a gamut of savings account features on the table, Bank of Baroda is here to make your banking simple and easy!
Open Current Account online at Bank of Baroda to meet all your banking needs. Go to our website to learn more about the different types of current accounts we offer and apply now!
Bank of Baroda deposit plans offer convenient solutions to both working individuals as well as senior citizens. These deposits are categorised into deposits with a term period of less than 12 months, more than 12 months and recurring deposits.
An account for all. B3 Silver Account comes with maximum savings and zero Quarterly Average Balance (QAB). Also, make the most of coins and annual offers from Loyalty Rewardz to fulfill yearlong subscriptions and shopping.
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Bank of Baroda focuses on its employees, offering a career rather than just a job. Various initiatives are in place to groom employees throughout their life cycle. A comprehensive talent management system to groom future leaders of the bank.
Bank of Baroda offers various types of personal banking cards such as Credit, Debit, Prepaid, Business & Travel Cards. Choose the one best suited card for your needs.
Opt for convenient & flexible, Bank of Baroda Deposits.
Are you worried about the ups and downs of the market? With a Fixed Deposit scheme, your investments are untouched and safe for a long period of time. There are many goals to start with, for example, a Fixed Deposit for your retirement, your child’s education, your family’s dream vacations, or many more investing avenues. Fixed Deposit earns attractive interest rates, based on the tenure you choose. Start to explore the Bank of Baroda FD interest rates today!
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bob Square Drive Deposit Scheme: Earn up to 7.25% p.a. on 444-day term deposits, with special rates for seniors. Limited-time offer!
Invest for long and get more on our Term deposit. Make your return immune to interest rate fluctuation, Baroda Tax Savings Term Deposit Account. Beneficial rates for senior citizens.
A product offering a combination of competitive interests as well as easy liquidity. Get the best of both, long-term as well as short-term deposit plans.
Monthly Income Plan is a fixed deposit plan that pays monthly interest to give you a fixed income every month to meet your expenses. You can invest funds that are lying idle in a regular monthly income plan that will provide a degree of income certainty every month.
This scheme aims to facilitate the claimants of victims of road accidents to place the funds received, as per court orders under (MACAD) Scheme. The annuity amount on monthly basis net of TDS will be credited.
Provides you the comfort of liquidity along with a security of your money being in safe hands. Does not demand any extra formalities enabling you to withdraw as much as 95% of the deposit amount.
Enjoy an increasing rate of interest with longer periods of deposit. Compound interest ensures that your savings grow faster. Overdraw your account by way of a pre-issued cheque of up to 95% of your deposits.
An ideal option for all transitory savings to meet the requirements. A scheme for high return on your savings even for a short period of less than 1 year.
Frequently Asked Questions (FAQs)
The amount of the fixed deposit is determined by you. You can keep your money for a few days to several years. A fixed rate of interest in exchange for locking in these funds is credited to your account. When the term ends, you receive the invested principal amount plus maturity interest.
Fixed deposits that provide tax exemption under Section 80C of the Income Tax Act are the most popular. The lock-in period of an FD with 5 years. Investing in this FD will provide an annual tax relief of Rs 1.5 lakhs.
Please refer to our “interest rates and service charges" by clicking here.
A long-term investment instrument where you have the power to select tenure and receive interest until maturity. The interest rates are comparatively higher than savings accounts with longer periods of deposit and with quarterly compounding and reinvestment of interest. The Quarterly Income Plan is customised for those individuals who regularly need money to supplement their income every quarter.
The following are the benefits of fixed deposits:
Fixed deposits offer guaranteed returns, making them a popular choice. Bank fixed deposits are low risk, whereas corporate fixed deposits are high interest but higher risk.
The 72 years rule is used to calculate the value of the FD to double. Divide the highest rate by 72. If the highest rate of the FD is 6.05%, your FD will double. With this basic formula, 72/6.05 = 11.99. It will take less than 12 years for the FD to double.
FD tenure varies from seven days to ten years. The period, once fixed, cannot be changed once the term deposit starts to roll. The minimum deposit is Rs. 1000 and there is no limit to the maximum deposit. Therefore, a three-month FD can be opened safely with us.
Yes, FD interest can be withdrawn on a monthly basis. The Baroda Regular Income Plan is a monthly income plan designed for people who need money to supplement their income on a regular basis, i.e., each month. Under this scheme, interest on deposits is paid on a monthly basis. Deposit interest becomes another source of income.
You can withdraw the fixed deposit by:
The minimum FD tenure is 7 days.
Matured fixed deposits are treated by banks in two ways.
You will have to pay a penalty of 1% of the applicable rate or the contracted rate, whichever is lower, in cases where you are subject to charging an ageing penalty. There will be no penalty for premature payment of deposits up to Rs 5 lacs if they have been held with the bank for a minimum of 12 months.
Yes, FDs can be opened by more than one person, jointly.
After submitting the necessary documents to the base branch, a duplicate FDR can be issued.
FDs are transferable from one branch to another of the same bank. You must contact the branch manager of your bank where your FD was made and apply with a written request for transfer along with the FD receipt. Once the account is verified, the account will be transferred to your requested branch. FDs cannot be transferred from one bank to another bank. In such a situation, you will be required to prematurely close the FD with the bank and open a fresh FD with another bank.
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