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    Bankbazaar Bank Of Baroda (BOB) Fixed Deposit Rates 2018

    Bank Of Baroda (BOB) Fixed Deposit Rates 2018
     and 2 other FDs
    Institution Name
    Deposit Amount Range
    Tenure Range
    Interest Rate
    Up to ₹1Cr
    7 Days to 10 Years
    4.5% - 6.9% Quarterly compounding
    Response Time Within 30 minutes
    Features
    Highlights
    Documents
    Good to Know
    Up to ₹25L
    1 Year to 5 Years
    7.39% - 7.95% Monthly compounding
    Response Time Within 30 minutes
    Features
    Documents
    Good to Know
    Up to ₹25L
    1 Year to 5 Years
    7.39% - 7.95% Monthly compounding
    Response Time Within 30 minutes
    Features
    Highlights
    Documents
    Good to Know
    Bank Of Baroda (BOB) Fixed Deposit Rates 2018 is Rated as "Excellent!" by 43 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Fixed Deposit BYTES FROM OUR KITCHEN

    Bank Of Baroda (BOB) Fixed Deposit Rates 2018

    Bank of Baroda, one of India’s leading public-sector banks, offers a wide range of Fixed Deposit (FD) products. Their FD schemes feature short, medium and long-term tenures at attractive interest rates. The highest rate of interest currently offered on regular BOB term deposits is 6.55% for all FDs less than Rs.1 crore, held for a tenure ranging between 366 days to 400 days. For senior citizen FDs, the highest rate of interest offered is 7.05% for a time period that varies between 366 days to 400 days on all deposits less than Rs.1 crore. Before you invest in an FD, it is advisable that you check the interest rates and tenure options. To calculate the maturity amount use an online FD interest calculator before applying for a term deposit.

    The below table is constantly updated to reflect real-time Bank of Baroda FD interest rates in order to allow users to compare maturities based on the latest applicable rates.

    The updated list of BOB Fixed Deposit Interest Rates 2018 for less than Rs.1 Crore is listed below :

    Tenure Regular Interest Rates (p.a) Senior Citizen Interest Rates (p.a)
    7 days to 90 days 4.25% to 5% 4.75% to 5.50%
    Above 90 days to 180 days 5.50% 6%
    Above 180 days to 270 days 6% 6.50%
    Above 270 days to 364 days 6.25% 6.75%
    1 year 6.45% 6.95%
    366 days to 400 days 6.55% 7.05%
    401 days to 5 years 6.50% 7%
    5 years 1 day to 10 years 6.25% 6.75%

    *Interest rate are subject to change and can be revised by the bank without prior notice

    Bank of Baroda Tax Saver FD Interest Rates 2018:

    Tenure Regular Interest Rates (p.a) Senior Citizen Interest Rates (p.a)
    5 years 6.50% 7%
    More than 5 years to 10 years 6.25% 6.75%

    *Interest rate are subject to change and can be changed by the bank without prior notice

    Bank of Baroda FD Rates

    BOB offers competitive interest rates on all fixed deposits, including tax saver FDs. The interest rate offered ranges from 4.25% to 6.55% for all regular deposits. For senior citizen FDs, the interest rate ranges from 4.75% to 7.05%. Let us take a look the various short-term, medium-term and long-term FDs offered by Bank of Baroda.

    Minimum and Maximum Bank of Baroda FD interest rates 2018 for Regular and Senior Citizen
    Bank of Baroda FD Rates

    Bank of Baroda short-term FD Rates

    BOB offers a range of short-term deposits, which is an ideal option for those who do not want to lock-in their funds for a long time. The interest rate offered on short-term deposits range from 4.25% to 6.25%. The best FD interest rate is offered on deposits held for above 270 days to 364 days, where the rate of interest is 6.25%.

    Bank of Baroda medium-term FD Rates

    Medium-term FDs offered by BOB provide attractive interest rates on term deposits. The highest rate of interest is offered for deposits held for a tenure ranging between 366 days to 400 days, where the rate of interest is 6.55%. An interest rate of 6.45% is offered for all FDs held for 1 year.

    Bank of Baroda long-term FD Rates

    Bank of Baroda also offers a wide range of long-term fixed deposits, which is a good option for those who want to park their funds for a long duration and earn interest on the same. An interest rate of 6.50% is offered on all deposits held for a tenure that ranges from 401 days to 5 years. For FDs held for more than 5 years to 10 years, the rate of interest is 6.25%

    Bank of Baroda senior citizen FD Rates

    All senior citizens who apply for an FD with BOB are eligible to avail an additional 0.50% interest on all term deposits. Senior citizens can invest in short-term, medium-term and long-term FDs. The highest rate of interest offered is 7.05% for all deposits held for a tenure ranging between 366 days to 400 days. On the other hand, an interest rate of 7% is offered on all deposits held for 401 days to 5 years.

    BOB tax-saver FD Rates

    Bank of Baroda offer special tax saver fixed deposits that offer a tax deduction of up to Rs.1.5 lakh under Section 80C of the Income Tax Act. The rate of interest offers for deposits held for 5 years is 6.50% for regular deposit holders and 7% for senior citizens. For a tenure ranging from more than 5 years to 10 years, the rate of interest is 6.25% for regular deposits and 6.75% for senior citizens.

    BOB Fixed Deposit Rules

    For account opening

    • Those who want to apply for a fixed deposit account should fill in Form No.401, which is for individuals. Form No.401A is for non-individuals.
    • To make subsequent deposits, the investor must fill in an application-cum-deposit scheme.

    Maximum and minimum periods

    • Minimum period: A minimum tenure of 7 days is mandatory for all fixed deposits that are for Rs.100 lakh or more. For deposits that are less than Rs.100 lakh the minimum period of deposit is 15 days.
    • Maximum period: As a general norm, the maximum period of tenure for a fixed deposit is 20 years.

    Minimum investment amount

    The minimum amount that should be invested towards a fixed deposit scheme is Rs.1,000.

    Documents

    • Pan card
    • KYC documents
    • Passport size photos

    Nomination

    Bank of Baroda provides nomination facilities.

    Fixed deposit rules for minors

    • A minor can hold an individual account if he/she is more than 10 years old and has the ability to fluently read and write.
    • If a minor is less than 10 years old, he/she can only hold a joint account.
    • The maximum deposit amount for minors less than 14 years is Rs.1 lakh

    Documents required for fixed deposit renewal

    • FD receipt
    • FD renewal request form

    Interest payment rules

    • For all deposits that are held for more than 12 months, customers will be paid interest before maturity on a half-yearly, quarterly or monthly basis
    • For all deposits held for a tenure of less than 3 months, interest will be paid for the number of days
    • For all deposits with a tenure between 3 months to 90 days, interest will be calculated on a quarterly basis for the completed quarters and for the remaining period on a day to day basis
    • For all deposits that are held for more than 181 days but less than a year, interest will be calculated on a quarterly basis for the completed quarters and for the remaining period on a day to day basis
    • For all deposits that held for more than a year, interest shall be calculated on a quarterly basis. In case of incomplete quarters, interest will be calculated based on the number of days
    • All senior citizens will be eligible to receive a higher rate of interest. An extra 0.50% will be given on fixed deposits held by senior citizens. (those above 60 years )
    • All customers will receive an interest payment certificate

    Other guidelines

    • At maturity, the sum earned from a fixed deposit can be transferred from one branch to another without any charges
    • All fixed deposits can also be transferred to another branch before maturity
    • A loan can be availed against the fixed deposit. A minimum of 5% balance should be kept in the deposit.

    Know More About BOB FD

    Bank Of Baroda Fixed Deposit Reviews

    • Bank of Baroda Fixed Deposit
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have a fixed deposit account with Bank of Baroda and the process to get this account done was easy. The customer services are good and the interest rate is also to my satisfaction. I have taken a loan recently on this account. It just took half an hour for the process for the loan.
      Was this review helpful? 1
      , dhanbad
      Reviewed on Oct 14, 2017
    • Bank of Baroda Fixed Deposit
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I had Fixed Deposit account with Bank of Baroda about quite long back. The tenure period is six years and the fixed amount is four to five lakhs. The percentage of interest rate is quite good and they returned the money back with the promised interest amount.
      Was this review helpful? 4
      , hyderabad
      Reviewed on May 09, 2017
    • Bank of Baroda Fixed Deposit
      "Bulk amount with good interest and hassle free Opening"
      0.5 5.0/5 "Blown Away!"
      I had opened my Fixed deposit with saving account in BOB. With hassle free opening through netbanking it was more comfortable. I could view the current interest and period of time was transparent in the website. They used to provide interest on quarterly bases. I paid bulk amount single time with good interest credits.
      Was this review helpful? 8
      , jaipur
      Reviewed on Nov 14, 2016
    • Bank of Baroda Fixed Deposit
      "Good experience"
      0.5 4.0/5 "Great!"
      My parents were actually guiding me and its based on their advise, I decided to invest in Bank Of Baroda for FD. BOB has offered a very good rate and it is very much reliable. The tenure of the deposit is 5 years and this FD was taken before 3 years.
      Was this review helpful? 7
      , new delhi
      Reviewed on Jul 01, 2016
    • Bank of Baroda Fixed Deposit
      "Renewal of FD"
      0.5 4.5/5 "Excellent!"
      I was provided the highest interest rate and reminder of matured term deposit has been informed to me on the very next day which saved the interest loss to me . It seems to be very simple to renew the MTD (matured term deposit) at the latest updated interest rate.
      Was this review helpful? 6
      , mumbai
      Reviewed on Jun 13, 2016
    • Bank of Baroda Fixed Deposit
      "Good"
      0.5 4.5/5 "Excellent!"
      Bank of Baroda is offering 7% interest rate currently for the Fixed deposit plan with the tenure of five year. Initially they were offering 8% but now it has been reduced. The minimum amount to start the plan is rs.1000 there is no activation charges. I visited the bank to avail the facility and within five to ten minute the plan was activated.
      Was this review helpful? 10
      , chennai
      Reviewed on May 17, 2016
    • Bank of Baroda Fixed Deposit
      "Easy and Quick to open"
      0.5 5.0/5 "Blown Away!"
      Its really easy to open a fixed deposit with Bank of Baroda and they do offer a good interest rate based on the market price for this account.The customer service provided was good and I have been using this account for few months and waiting for the benefits.Its after 7years I will be getting double the amount through this fixed deposit. Customer Responsiveness is good.
      Was this review helpful? 11
      , ahmedabad
      Reviewed on Feb 25, 2016
    • Bank of Baroda Fixed Deposit
      "Better services"
      0.5 4.0/5 "Great!"
      I hold a fixed deposit with Bank of Baroda. It has been a satisfactory experience with them for the eight years I am banking. There is always a response from the bank. The services are good too. The rate of interest is good. No charges taken for any kind of facilities.
      Was this review helpful? 8
      , thrissur
      Reviewed on Feb 19, 2016
    • Bank of Baroda Fixed Deposit
      "Good scheme "
      0.5 5.0/5 "Blown Away!"
      The services was excellent by BANK OF BARODA for the Fixed Deposit product. I will get one 1% above than the normal rate because I am working for this bank. I can easily monitor the details being as a employee. They should have the attractive schemes like double one double offer which will be really attract the customers.
      Was this review helpful? 9
      , chennai
      Reviewed on Nov 27, 2015
    • Bank of Baroda Fixed Deposit
      "An oldest customers of this bank.."
      0.5 5.0/5 "Blown Away!"
      This is second year running for me and particularly I opened the fixed deposit for my daughter. With Bank of Baroda I have an account as since last five years and so I went with them. 8.3% is the rate for deposit and this is for year. And this is compounding rate. Over draft is also present.
      Was this review helpful? 9
      , mumbai
      Reviewed on Nov 27, 2015
    • Bank of Baroda Fixed Deposit
      "SAME AS OTHER BANKS"
      0.5 4.5/5 "Excellent!"
      Recently I opened an Fixed Deposit account with BANK OF BARODA for the purpose of tax deductions. This is the only reason I invested some money with them. I personally opened this account with them. The interest rates were nominal when compared with other banks. Customer service is also good. And nice servicse
      Was this review helpful? 10
      , mumbai
      Reviewed on Oct 12, 2015
    • Bank of Baroda Fixed Deposit
      "ROI Is Nominal "
      0.5 5.0/5 "Blown Away!"
      Mainly I opened an Fixed Deposit account with BANK OF BARODA for the purpose of tax deductions. This is the only reason I invested some money with them. I personally opened this account with them. The interest rates were nominal when compared with other banks.
      Was this review helpful? 3
      , bhopal
      Reviewed on Sep 15, 2015
    • Bank of Baroda Fixed Deposit
      "Awesome Bank"
      0.5 5.0/5 "Blown Away!"
      I hold a Fixed Deposit Account with BANK OF BARODA for more than eight years. I opened this account under the Double Amount Scheme. It is the only bank which offers 94 months time period for making payments. Under this scheme what are the amount I am making it will get doubled at the end. When compared with other banks BOB is the best bank to hold an F D account.
      Was this review helpful? 9
      , ghaziabad
      Reviewed on Sep 14, 2015
    • Bank of Baroda Fixed Deposit
      "They are fine..."
      0.5 4.0/5 "Great!"
      Rate of interest on fixed deposit is much higher in Bank of Baroda than other nationalized banks. More than that it is compounding and it accumulates yearly once. Penalty charge is of 1%, suppose customers want to break the policy in middle of the availed tenure period.
      Was this review helpful? 4
      , chandigarh
      Reviewed on Sep 12, 2015
    • Bank of Baroda Fixed Deposit
      "Better"
      0.5 5.0/5 "Blown Away!"
      Interest rate offered by Bank of Baroda for the fixed deposit plan is 10% and the minimum lock in period is for 3 months . There is no any activation charges and also no penalty in case we break the plan in between the tenure. The only thing is that we cant do any bargain in terms of the interest rate were as we can do with other banks. After the maturity the amount will be credited to the account automatically.
      Was this review helpful? 17
      , mumbai
      Reviewed on Sep 09, 2015
    • Bank of Baroda Fixed Deposit
      "Best and Safe"
      0.5 4.5/5 "Excellent!"
      My experience with BANK OF BARODA is good.Customers service of this bank is excellent and is satisfactory. The branch is keep updating us about maturity and the new plans through SMS and E-mails. currently i have 3 FDR with bank and i m very happy with the return. Its the Best investment i have ever done.
      Was this review helpful? 12
      , jaipur
      Reviewed on Jul 11, 2015
    • Bank of Baroda Fixed Deposit
      "Good and batter"
      0.5 3.5/5 "Pretty good"
      My experience with bank of baroda is good.bank of baroda interest rate is average and it's some high compared to other some bank. Customers service of this bank is excellent and is satisfactory as well as charges for this is high. My experience is good with thos bank
      Was this review helpful? 11
      , mumbai
      Reviewed on Jun 29, 2015
    • Bank of Baroda Fixed Deposit
      "VERY GOOD"
      0.5 4.5/5 "Excellent!"
      In bank of Baroda i have an fixed deposit plan. Through which i am getting 9.75 % interest rate for my deposit amount.I renew the tenure of the FD every year. In case if we plan to take the money in between the we will be charged the penalty. The customer service is good in the particular branch which i used to visit.
      Was this review helpful? 13
      , mumbai
      Reviewed on Jun 16, 2015
    • Bank of Baroda Fixed Deposit
      "Good"
      0.5 4.0/5 "Great!"
      In bank of Baroda i have an fixed deposit plan. Through which i am getting 9.75 % interest rate for my deposit amount.I renew the tenure of the FD every year. In case if we plan to take the money in between the we will be charged the penalty. The customer service is good in the particular branch which i used to visit.
      Was this review helpful? 9
      , new delhi
      Reviewed on May 21, 2015
    • Bank of Baroda Fixed Deposit
      "Excellent service provided"
      0.5 5.0/5 "Blown Away!"
      Its really easy to open a fixed deposit with Bank of Baroda and they do offer a good interest rate based on the market price for this account.The customer service provided was good and I have been using this account for few months and waiting for the benefits.Its after 7years I will be getting double the amount through this fixed deposit.
      Was this review helpful? 6
      , kolkata
      Reviewed on May 14, 2015
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