below 36 months follows normal fixed-deposit treatment, and a court direction may specify a longer period.
The product page publishes the prevailing Bank of India rate of interest for the selected tenure. It does not publish a -specific numeric percentage
the applicable rate must be taken from the current term-deposit schedule for the selected 36–120-month (or court-directed longer) period.
The page describes a prevailing rate by tenure but does not publish a separate senior-citizen or super-senior percentage. The Bank of India rate sheet does not list in its additional-rate applicability table
therefore no -specific senior add-on is published.
₹1,000 per month
there is no maximum deposit amount stated on the page.
Premature closure or part lump-sum payment requires court permission
the page states no premature-closure penalty.
Equated monthly instalments comprise principal and interest
the annuity is credited to the savings account net of applicable .
36 to 216 months as directed by the Tribunal or Court
a period under 36 months is opened as a normal term deposit
6.30% p.a. for 36 months to under 5 years
6.05% from 5 years onward, with the 120-month rate applied beyond 120 months
For retail deposits below ₹3 crore, the senior-citizen rate is 3.55% for 7–45 days, 5.40% for 46–179 days, 6.15% for 180–210 days, 6.40% for 211 days to under 1 year, 6.75% for 1 to under 2 years, 6.90% for 2 to under 3 years, 6.80% for 3 to under 5 years, and 7.05% for 5 to 10 years. Rates are effective 15 December 2025
the 5–10-year rate includes the 50-basis-point We-care premium.
Principal is calculated to provide at least ₹1,000 monthly annuity for the directed period
no published maximum
Requires Tribunal or Court permission
no premature-closure penalty is charged
Starts on the anniversary date in the month after deposit
if the corresponding 29th, 30th or 31st does not exist, payment is on the first day of the next month
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
