Bank of Baroda Fixed Deposit (FD) Calculator
Calculate your fixed deposit interest returns with Bank of Baroda using official published interest rates.
Official Rate Formula & Benchmark:
Bank of Baroda domestic term deposits compound interest quarterly. For a 3-year deposit, the official rate is 6.85% p.a. (7.35% for seniors).
Current official starting rate: 6.85% p.a. (Range: 6.85% – 7.35% p.a.).
Bank of Baroda FD Calculator
Interactive calculation engine using official Bank of Baroda rates
Senior Citizen Benefit
Bank of Baroda offers 7.35% p.a. (+0.50% extra) for age 60+
Deposit Growth Schedule
| Year | Cumulative Interest | Closing Value |
|---|---|---|
| Year 1 | ₹35,140 | ₹5,35,140 |
| Year 2 | ₹72,749 | ₹5,72,749 |
| Year 3 | ₹1,13,002 | ₹6,13,002 |
Rate Verification & Official Notice
6.85% p.a.
6.85% – 7.35% p.a.
fixed RateRBI Repo Linked / Card Rate
Senior Citizens: up to 7.35% p.a.Applicable Conditions & Eligibility Factors:
- Quarterly compounding applied to domestic retail deposits
- Senior citizen 50 bps extra
Source: BOB Term Deposit Rates
Rates subject to borrower risk-grade & RBI regulatory changes.How It Works
- 1Quarterly compounding applied to domestic retail term deposits.
- 2Senior citizens receive an additional 0.50% interest rate.
Key Factors Influencing Your Rate
- •Tenure bucket
- •Senior citizen privilege
Worked Numerical Example: Bank of Baroda FD Calculator
A fixed deposit of ₹5,00,000 placed for 3 years at 6.85% p.a. with quarterly compounding matures at ₹6,13,002, earning ₹1,13,002 in cumulative interest.
Frequently Asked Questions: Bank of Baroda FD Calculator
- What is BOB 3-year FD rate?
- 6.85% p.a. for regular depositors and 7.35% for seniors.
- Can I open online?
- Yes, via bob World app.