12 months, 1.5 years, 777 days, 1111 days, 1717 days or 2201 days
Callable green deposits below ₹3 crore: 6.20% (12 months, 1.5 years and 777 days), 6.25% (1111 and 1717 days), and 5.95% (2201 days), effective 16 May 2026. Non-callable rates for the same tenors are 6.25%, 6.25%, 6.25%, 6.30%, 6.30% and 6.00% respectively. ₹3–₹10 crore bulk tables are published separately.
For callable domestic deposits below ₹3 crore: 4.00% (7–45 days), 5.50% (46–180 days), 6.00% (181–210 days), 6.25% (211–270 days), 6.50% (271 days to below 1 year), 6.75% (1–3 years), 6.90% (above 3–5 years), 7.00% (above 5–10 years). Special: Square Drive 6.95% for 444 days
Golden Goal 7.25% for 555 days.
Callable deposits: ₹5,000 and further multiples of ₹100. Non-callable deposits: above ₹1 crore and further multiples of ₹100.
Non-callable deposits cannot be withdrawn prematurely
callable deposits follow the bank's applicable penalty and notice rules
Maturity proceeds are credited to the customer's / account
where there is no operative account, cash is allowed below ₹20,000 and a /pay order is issued above that amount. The page also states auto-renewal is available.
resident senior citizens receive guideline-based add-ons, including 0.50% bands and 0.10% super-senior addition shown in the .
For callable domestic deposits below ₹3 crore: 4.00% (7–45 days), 5.50% (46–180 days), 6.00% (181–210 days), 6.25% (211–270 days), 6.50% (271 days to below 1 year), 6.75% (1–3 years), 6.90% (above 3–5 years), 7.00% (above 5–10 years). Special: Square Drive 6.95% for 444 days
Golden Goal 7.25% for 555 days.
₹5,000, treated as five units of ₹1,000
additional deposits are accepted in ₹1,000 multiples.
Prepayment is allowed by unit. No penalty applies to deposits up to ₹5 lakh kept at least 12 months. Otherwise interest is reduced by 1% from the applicable or contracted rate (whichever is lower)
deposits of ₹1 crore and above require 31 days' notice and incur a 1.50% penalty. Part-payment or closure is not available through bobWorld Mobile/Internet.
Interest is compounded quarterly and credited to the deposit on a half-yearly basis in September and December
maturity proceeds are credited to /, with cash below ₹20,000 and /pay order above that where no operative account exists. Partial prepayment is allowed in ₹1,000 units.
In bob Short Term Deposits , you can invest money for a shorter period range from 7 days to 12 months. Open short term deposit with best interest rate at Bank of Baroda.
For callable domestic deposits below ₹3 crore: 3.50% (7–45 days), 5.00% (46–180 days), 5.50% (181–210 days), 5.75% (211–270 days), 6.00% (271 days to below 1 year), 6.25% (1–3 years), 6.30% (above 3–5 years), 6.00% (above 5–10 years). Special: Square Drive 6.45% for 444 days
Golden Goal 6.75% for 555 days.
For callable domestic deposits below ₹3 crore: 4.00% (7–45 days), 5.50% (46–180 days), 6.00% (181–210 days), 6.25% (211–270 days), 6.50% (271 days to below 1 year), 6.75% (1–3 years), 6.90% (above 3–5 years), 7.00% (above 5–10 years). Special: Square Drive 6.95% for 444 days
Golden Goal 7.25% for 555 days.
₹1,000 and multiples of ₹100.
Short-term deposits: no penalty for deposits up to ₹5 lakh kept at least 12 months
otherwise the applicable rate is reduced by 1% for the published bands, with 1.5% and 31-day notice for deposits of ₹1 crore and above. Flexi closure follows the bank's extant premature-penalty guidelines.
Interest is calculated at the deposit's maturity-period rate. Maturity proceeds are credited to /
where there is no operative account, cash is allowed below ₹20,000 and a /pay order is issued above that. The deposit renews for the same period at the rate applicable on the due date unless instructed otherwise.
Domestic/ callable deposits below ₹3 crore (fresh and renewal, effective 12 June 2026): 3.50% for 7–45 days
5.00% for 46–180 days
5.50% for 181–210 days
5.75% for 211–270 days
6.00% for 271 days to below 1 year
6.25% for 1–3 years
6.30% for above 3–5 years
6.00% for above 5–10 years. Special rows: bob Square Drive 6.45% for 444 days and bob Golden Goal 6.75% for 555 days.
For callable domestic deposits below ₹3 crore: 4.00% (7–45 days), 5.50% (46–180 days), 6.00% (181–210 days), 6.25% (211–270 days), 6.50% (271 days to below 1 year), 6.75% (1–3 years), 6.90% (above 3–5 years), 7.00% (above 5–10 years). Special: Square Drive 6.95% for 444 days
Golden Goal 7.25% for 555 days.
₹1,000. The official also states deposits can be opened for a minimum tenure of 7 days.
Callable
see product terms for applicable premature-withdrawal conditions and penalty
The official overview distinguishes cumulative fixed deposits, where interest is reinvested and paid at maturity, from non-cumulative deposits with periodic returns
its identifies the Baroda Regular Income Plan as monthly payout and the Quarterly Income Plan as quarterly payout.
The linked scheme schedule sets the default sweep-in fixed-deposit period by account variant
the reviewed generic Flexi Fixed Deposits page does not publish one universal tenor.
For callable domestic deposits below ₹3 crore: 3.50% (7–45 days), 5.00% (46–180 days), 5.50% (181–210 days), 5.75% (211–270 days), 6.00% (271 days to below 1 year), 6.25% (1–3 years), 6.30% (above 3–5 years), 6.00% (above 5–10 years). Special: Square Drive 6.45% for 444 days
Golden Goal 6.75% for 555 days.
For callable domestic deposits below ₹3 crore: 4.00% (7–45 days), 5.50% (46–180 days), 6.00% (181–210 days), 6.25% (211–270 days), 6.50% (271 days to below 1 year), 6.75% (1–3 years), 6.90% (above 3–5 years), 7.00% (above 5–10 years). Special: Square Drive 6.95% for 444 days
Golden Goal 7.25% for 555 days.
No universal minimum deposit is published for the generic Flexi Fixed Deposit facility
sweep-out thresholds and multiples vary by the linked account scheme.
Short-term deposits: no penalty for deposits up to ₹5 lakh kept at least 12 months
otherwise the applicable rate is reduced by 1% for the published bands, with 1.5% and 31-day notice for deposits of ₹1 crore and above. Flexi closure follows the bank's extant premature-penalty guidelines.
Sweep-in and sweep-out facility linked to the deposit account
Bank of India’s fixed and short-term deposit facility, with separate treatment for deposits repayable within six months and longer fixed deposits.
For deposits below ₹3 crore: 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 5.50% (180 days to below 1 year), 6.50% (1 to below 2 years), 6.60% (2 to below 3 years), 6.70% (3 years), 6.25% (above 3 to below 5 years), and 6.00% (5–10 years). Larger ₹3–below ₹10 crore buckets are published separately.
For deposits of at least ₹10,000 and below ₹3 crore with a term of 6 months to 10 years, the first account holder aged 60 to below 80 receives the published senior-citizen card rate: 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 6.00% (180 days to below 1 year), 7.00% (1 to below 2 years), 7.10% (2 to below 3 years), 7.45% (3 years), 7.00% (above 3 to below 5 years), and 6.75% (5 to 10 years). Deposits of 3 years and above receive the stated 0.75% senior uplift over the general card rate
the table is controlling for the published senior rate.
₹1 lakh for SDR
₹10,000 for at metro/urban branches
₹5,000 at rural/semi-urban branches and for senior citizens. A 7–14 day single deposit requires at least ₹1 lakh.
Premature repayment is permissible under applicable directives
applicable penalty follows Bank of India’s published penalty terms.
Interest is paid half-yearly on 1 October and 1 April (or next working day when a holiday), subject to .
The page describes deposits from 6 monthsup to 120 months
the ordinary range is shown as 12–120 months.
For deposits below ₹3 crore: 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 5.50% (180 days to below 1 year), 6.50% (1 to below 2 years), 6.60% (2 to below 3 years), 6.70% (3 years), 6.25% (above 3 to below 5 years), and 6.00% (5–10 years). Larger ₹3–below ₹10 crore buckets are published separately.
For deposits of at least ₹10,000 and below ₹3 crore with a term of 6 months to 10 years, the first account holder aged 60 to below 80 receives the published senior-citizen card rate: 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 6.00% (180 days to below 1 year), 7.00% (1 to below 2 years), 7.10% (2 to below 3 years), 7.45% (3 years), 7.00% (above 3 to below 5 years), and 6.75% (5 to 10 years). Deposits of 3 years and above receive the stated 0.75% senior uplift over the general card rate
the table is controlling for the published senior rate.
₹10,000 at metro/urban branches
₹5,000 at rural/semi-urban branches and for senior citizens.
Premature repayment is permissible under applicable directives
the page directs customers to Bank of India’s penalty terms for the applicable charge.
Interest is compounded quarterly and principal plus interest is paid at maturity
For deposits below ₹3 crore: 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 5.50% (180 days to below 1 year), 6.50% (1 to below 2 years), 6.60% (2 to below 3 years), 6.70% (3 years), 6.25% (above 3 to below 5 years), and 6.00% (5–10 years). Larger ₹3–below ₹10 crore buckets are published separately.
For deposits of at least ₹10,000 and below ₹3 crore with a term of 6 months to 10 years, the first account holder aged 60 to below 80 receives the published senior-citizen card rate: 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 6.00% (180 days to below 1 year), 7.00% (1 to below 2 years), 7.10% (2 to below 3 years), 7.45% (3 years), 7.00% (above 3 to below 5 years), and 6.75% (5 to 10 years). Deposits of 3 years and above receive the stated 0.75% senior uplift over the general card rate
the table is controlling for the published senior rate.
₹10,000 at metro/urban branches
₹5,000 at rural/semi-urban branches and for senior citizens.
Premature repayment is permitted under the Reserve Bank of India directives and Bank of India’s current penalty schedule: 0.50% for deposits below ₹5 lakh withdrawn before 12 months, nil for deposits below ₹5 lakh withdrawn after 12 months, and 1.00% for deposits of ₹5 lakh and above. The lower-of-actual-period-or-contracted-rate rule and published death/renewal exceptions also apply.
Interest may be paid monthly or quarterly
monthly interest is paid at a discounted value and is subject to .
For deposits below ₹3 crore: 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 5.50% (180 days to below 1 year), 6.50% (1 to below 2 years), 6.60% (2 to below 3 years), 6.70% (3 years), 6.25% (above 3 to below 5 years), and 6.00% (5–10 years). Larger ₹3–below ₹10 crore buckets are published separately.
For deposits of at least ₹10,000 and below ₹3 crore with a term of 6 months to 10 years, the first account holder aged 60 to below 80 receives the published senior-citizen card rate: 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 6.00% (180 days to below 1 year), 7.00% (1 to below 2 years), 7.10% (2 to below 3 years), 7.45% (3 years), 7.00% (above 3 to below 5 years), and 6.75% (5 to 10 years). Deposits of 3 years and above receive the stated 0.75% senior uplift over the general card rate
the table is controlling for the published senior rate.
₹10,000 at metro/urban branches
₹5,000 at rural/semi-urban branches and for senior citizens.
Premature repayment is permitted under the Reserve Bank of India directives and Bank of India’s current penalty schedule: 0.50% for deposits below ₹5 lakh withdrawn before 12 months, nil for deposits below ₹5 lakh withdrawn after 12 months, and 1.00% for deposits of ₹5 lakh and above. The lower-of-actual-period-or-contracted-rate rule and published death/renewal exceptions also apply.
Interest may be paid monthly or quarterly
monthly interest is paid at a discounted value and is subject to .
Interest follows the Bank of India recurring/deposit rate applicable to the selected tenure
the current rate sheet’s callable domestic bands below ₹3 crore are 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 5.50% (180 days to below 1 year), 6.50% (1 to below 2 years), 6.60% (2 to below 3 years), 6.70% (3 years), 6.25% (above 3 to below 5 years), and 6.00% (5 to 10 years). The recurring page confirms quarterly compounding and tenure multiples of 3 monthsup to 10 years.
For deposits of at least ₹10,000 and below ₹3 crore with a term of 6 months to 10 years, the first account holder aged 60 to below 80 receives the published senior-citizen card rate: 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 6.00% (180 days to below 1 year), 7.00% (1 to below 2 years), 7.10% (2 to below 3 years), 7.45% (3 years), 7.00% (above 3 to below 5 years), and 6.75% (5 to 10 years). Deposits of 3 years and above receive the stated 0.75% senior uplift over the general card rate
the table is controlling for the published senior rate.
₹500, with instalments in multiples of ₹500
the page also describes a maximum total limit of ₹10 lakh.
₹1.50 per ₹100 per month for periods up to 5 years
₹2 per ₹100 per monthabove 5 years. Advance equal instalments may waive the penalty in the stated circumstances.
Regular term deposits are accepted for up to 10 years. Tax-saving term deposit has a five-year lock-in. Maha Saraswati recurring deposit runs 36–120 months
monthly and quarterly interest variants follow the selected term-deposit tenure.
applicable higher slabs and special schemes are shown in the linked table.
Resident Indian senior citizens receive an additional 0.50% p.a. for maturity slabs of 91 days and above on deposits up to ₹5 crore
the additional rate is not applicable to non-resident deposits.
Not published as one universal minimum across the five named term-deposit variants on the reviewed catalogue and current rate pages. The tax-saving scheme separately publishes a ₹100 minimum and ₹1,50,000 maximum
Maha Saraswati publishes a ₹100 monthly instalment.
Interest is paid at the rate applicable to the period actually held, less the stated 1 percentage-point adjustment
deposits require a one-year minimum and attract 1% penalty after one year.
Monthly Interest Deposit pays monthly
Quarterly Interest Deposit pays quarterly
fixed/cumulative deposits pay at maturity under the selected scheme. Maha Saraswati repays the accumulated instalments and interest at maturity (or one month after the last instalment, whichever is later).
Regular term deposits are accepted for up to 10 years. Tax-saving term deposit has a five-year lock-in. Maha Saraswati recurring deposit runs 36–120 months
monthly and quarterly interest variants follow the selected term-deposit tenure.
applicable higher slabs and special schemes are shown in the linked table.
Resident Indian senior citizens receive an additional 0.50% p.a. for maturity slabs of 91 days and above on deposits up to ₹5 crore
the additional rate is not applicable to non-resident deposits.
Not published as one universal minimum across the five named term-deposit variants on the reviewed catalogue and current rate pages. The tax-saving scheme separately publishes a ₹100 minimum and ₹1,50,000 maximum
Maha Saraswati publishes a ₹100 monthly instalment.
Interest is paid at the rate applicable to the period actually held, less the stated 1 percentage-point adjustment
deposits require a one-year minimum and attract 1% penalty after one year.
Monthly Interest Deposit pays monthly
Quarterly Interest Deposit pays quarterly
fixed/cumulative deposits pay at maturity under the selected scheme. Maha Saraswati repays the accumulated instalments and interest at maturity (or one month after the last instalment, whichever is later).
senior-citizen and super-senior premiums apply as published
Additional 0.50% for eligible senior citizens on domestic deposits under ₹3 crore with tenor 180 days and above
444 Days general 6.50% and senior 7.00%
super-senior 7.10% for Canara-444
Tax Saver maximum deposit ₹1.5 lakh
other fixed-deposit minimum amount is not published as one universal figure on the reviewed page
Domestic/ term deposits below ₹3 crore accepted or renewed on/after 12 March 2019 attract 1.00% penalty for premature closure, part withdrawal or premature extension
non-callable deposits do not permit premature withdrawal
Callable fixed deposits may be renewed automatically for a similar period at the prevailing rate, except excluded schemes
tax-saver redemption follows five-year lock-in and selected payout instructions
Online green fixed deposit for 1,111, 2,222 or 3,333 days, from ₹50,000 to ₹1,99,99,999 with a card-rate premium.
Card-rate premium: +0.25% for 1,111 days, +0.50% for 2,222 days and +0.50% for 3,333 days
premium is subject to revision.
Green Time Deposit: additional 0.50% for senior citizens (with staff/senior-staff additions as published). Super Callable 333: additional 0.50%. : the published scheme rate is 8.20% for eligible senior citizens.
₹50,000 minimum and ₹1,99,99,999 maximum.
Value awaiting review
Callable 333-day deposit permits monthly, quarterly, half-yearly or cumulative payout. Green deposit credits maturity amount to linked account with no auto-renewal. pays quarterly on 31 March, 30 June, 30 September and 31 December.
additional 0.50% for senior citizens, 1.00% for staff and 1.50% for retired senior-citizen staff
rates may change by ALCO direction.
Green Time Deposit: additional 0.50% for senior citizens (with staff/senior-staff additions as published). Super Callable 333: additional 0.50%. : the published scheme rate is 8.20% for eligible senior citizens.
₹10,000 minimum and ₹10 crore maximum.
Value awaiting review
Callable 333-day deposit permits monthly, quarterly, half-yearly or cumulative payout. Green deposit credits maturity amount to linked account with no auto-renewal. pays quarterly on 31 March, 30 June, 30 September and 31 December.
IB Tax Saver Scheme: 5-year lock-in. Capital Gains Term Deposit: 7-day minimum and maximum 3 years
Deposit A is savings and Deposit B is cumulative or non-cumulative term deposit.
Rate follows Indian Bank's current deposit-rate schedule by product, tenor and customer category. The reviewed schedule publishes domestic retail term-deposit card rates from 2.80% to 6.80% p.a. and savings rates from 2.50% to 2.80% p.a.
exact applicable rate must be selected by tenor at booking.
↑
IB Tax Saver is eligible for the additional 0.50% p.a. senior-citizen rate. Capital Gains deposits do not receive an additional staff or senior-citizen rate.
IB Tax Saver: ₹1,000 in multiples of ₹100up to ₹1,50,000. Capital Gains: minimum ₹1,000.
IB Tax Saver: no loan or foreclosure during the five-year lock-in. Capital Gains: withdrawals permitted as prescribed by the scheme
interest payments subject to .
IB Tax Saver interest quarterly, discounted monthly or at maturity. Capital Gains interest method follows ordinary savings or term-deposit accounts
(B): 1 to 5 years. Special (B): 3 to below 4 years, 4 to below 5 years or exact 5 years, with one-year lock-in. IND Rupee Gain tenor is selected with the applicable rate and forward premium
the page does not publish a fixed range.
Special (B) rates are 6.00%/5.60%/5.50% for 3–<4 years, 6.25%/5.85%/5.75% for 4–<5 years and 6.50%/6.10%/6.00% for 5 years across amount slabs up to USD 1 million, above USD 1–3 million and above USD 3 million. Standard (B) uses the current rate sheet
IND Rupee Gain return is interest plus forward premium.
Value awaiting review
(B) states no minimum or maximum amount stipulation. Special (B) publishes slabs but no separate minimum amount. IND Rupee Gain minimum is USD 10,000 or equivalent in a non- currency.
(B) follows the lower of the contracted rate or rate for the run period under the current guidelines
while a loan against is outstanding, preclosure is unavailable. Special (B) cannot close within one year
after one year and before three years pays 3.50%, and between three and below five years pays the applicable run-period rate less 1 percentage point. IND Rupee Gain preclosure terms are not published on its product page.
(B) principal and interest are payable in the deposit currency. Special (B) follows (B) features. IND Rupee Gain maturity is converted into at the contracted forward rate and credited to the account.
Rate follows Indian Bank's current deposit-rate schedule by product, tenor and customer category. The reviewed schedule publishes domestic retail term-deposit card rates from 2.80% to 6.80% p.a. and savings rates from 2.50% to 2.80% p.a.
exact applicable rate must be selected by tenor at booking.
↑
Additional 0.50% p.a. for senior citizens on aggregate eligible deposits up to ₹10 crore, with no single deposit above ₹2 crore opened in a day within the ceiling.
Minimum ₹1,000
no maximum amount.
↓
Loan, nomination and preclosure available
applicable preclosure penalty and reduced interest follow the bank's current term-deposit rules.
Interest payable quarterly or monthly with a discount
automatic renewal for an equal period is available.
Rate follows Indian Bank's current deposit-rate schedule by product, tenor and customer category. The reviewed schedule publishes domestic retail term-deposit card rates from 2.80% to 6.80% p.a. and savings rates from 2.50% to 2.80% p.a.
exact applicable rate must be selected by tenor at booking.
↑
Additional 0.50% p.a. for eligible senior citizens up to ₹10 crore aggregate, with no single deposit above ₹2 crore opened in a day within the ceiling.
Minimum ₹1,000 in multiples of ₹100
no maximum amount.
Loan, nomination and preclosure are available
foreclosure penalty applies.
Quarterly compounding with automatic renewal for an equal period.
/MMD/: 1–10 years. IND Millionaire : 1–10 years in one-year multiples. IND Flexi /: 12–36 months.
term-deposit rates in the reviewed schedule: 6.10% for 1 year
6.20%above 1 to below 2 years
6.15% for 2 to below 3 years
6.05% for 3 to below 5 years
6.00% for 5 years and above. IND Green 500 days6.40%, IND Grow 555 days6.65% and IND Prosper 777 days6.60%.
No additional senior-citizen, staff, ex-staff or ex-staff senior-citizen premium is available on deposits.
No universal opening amount is published on the reviewed /MMD/ page. IND Millionaire targets ₹10 lakh and multiples at maturity
IND Flexi core deposit is ₹1,000–₹1,00,000.
↓
preclosure follows the published rule: up to ₹5 lakh no penalty (unless below the minimum period, when no interest is payable)
above ₹5 lakh, applicable card rate less 1.00% p.a. For term deposits with a loan, preclosure is unavailable. Flexi has the separate ₹5 lakh/181-day rules published on its page.
/MMD/ maturity and interest are freely repatriable
Millionaire maturity is credited to linked /
Flexi interest uses the lowest balance from the 10th to month-end and is nil for but applies to under current rules.
Rate follows Indian Bank's current deposit-rate schedule by product, tenor and customer category. The reviewed schedule publishes domestic retail term-deposit card rates from 2.80% to 6.80% p.a. and savings rates from 2.50% to 2.80% p.a.
exact applicable rate must be selected by tenor at booking.
↑
Senior citizens receive an additional 0.50% p.a.up to ₹10 crore
staff receive 1.00%up to ₹2 crore and ex-staff senior citizens 1.50%up to ₹10 crore, subject to the stated daily-deposit limits.
Minimum ₹1,000 in multiples of ₹100
no maximum amount.
Preclosure available with penalty under the existing penalty structure
loan against deposit and automatic renewal available.
Interest and principal paid together at maturity, subject to .
(B): 1 to 5 years. Special (B): 3 to below 4 years, 4 to below 5 years or exact 5 years, with one-year lock-in. IND Rupee Gain tenor is selected with the applicable rate and forward premium
the page does not publish a fixed range.
Special (B) rates are 6.00%/5.60%/5.50% for 3–<4 years, 6.25%/5.85%/5.75% for 4–<5 years and 6.50%/6.10%/6.00% for 5 years across amount slabs up to USD 1 million, above USD 1–3 million and above USD 3 million. Standard (B) uses the current rate sheet
IND Rupee Gain return is interest plus forward premium.
Value awaiting review
(B) states no minimum or maximum amount stipulation. Special (B) publishes slabs but no separate minimum amount. IND Rupee Gain minimum is USD 10,000 or equivalent in a non- currency.
(B) follows the lower of the contracted rate or rate for the run period under the current guidelines
while a loan against is outstanding, preclosure is unavailable. Special (B) cannot close within one year
after one year and before three years pays 3.50%, and between three and below five years pays the applicable run-period rate less 1 percentage point. IND Rupee Gain preclosure terms are not published on its product page.
(B) principal and interest are payable in the deposit currency. Special (B) follows (B) features. IND Rupee Gain maturity is converted into at the contracted forward rate and credited to the account.
Not applicable: the reviewed /foreign-currency deposit terms publish currency- and tenor-based rates and do not provide a separate senior-citizen uplift or rate band.
Effective 8 October 2026: USD 2.95%–5.00% p.a. by amount band and tenor
GBP 2.80%–4.00% where the schedule publishes a value
CAD 2.58%–3.08%
AUD 3.85%–4.25%
EUR 1.50%–3.00%
JPY 0.55%–0.65%. See the full amount/tenor tables.
Value awaiting review
USD 1,000
GBP 1,000
EUR 1,000
CAD 1,000
AUD 1,000
JPY 100,000. The same minimums apply to and .
Before 1 year: no interest. After 1 year: no premature penalty
8 October rate page says interest for the actual holding period uses the rate available when the deposit was opened. The account page (last updated 5 April 2025) additionally applies the lowest of the contracted rate, original-period rate and current-period rate
two pages conflict on the calculation.
: interest is paid every 180 days. : interest compounds every 180 days. Both are fixed-tenor deposits and renew for the same period at the rate then prevailing unless instructions differ.
and rates also depend on deposit balance. publishes no separate Premium-account interest-rate uplift. Forward-cover proceeds depend on the booked currency and contract.
Value awaiting review
USD 10,000
GBP 10,000
EUR 10,000
CAD 10,000
AUD 10,000
JPY 1,000,000.
The Premium page says no premature-withdrawal penalty is levied and underlying (B) terms apply. The current rate page and the older account page disagree on the after-one-year interest calculation
see the rate fact and source table.
The Premium page does not state a separate payout schedule
the underlying (B) account page describes interest every 180 days and compounding every 180 days. The Premium page does not specify which deposit type applies to an individual contract.
At the applicable card rate for the chosen 1111-day, 1777-day or 2222-day tenor
For 1111, 1777 and 2222 days, published table lists senior-citizen rates of 6.70%, 6.70% and 6.95% p.a. in the first amount band, and 6.40%, 6.40% and 6.40% p.a. in the second amount band
the applicable band follows the deposit amount shown by .
Minimum ₹1,000
no published maximum
↓
Permitted under the guidelines applicable to premature withdrawal of a normal time deposit
Maturity instructions follow Term Deposit or Special Term Deposit rules
nomination is available and applies under Income Tax rules.
1 year: 6.55% p.a.from ₹1.0001 crore to below ₹3 crore, or 6.25% p.a. from ₹3 crore
2 years: 6.80% p.a. or 6.15% p.a. respectively
Not applicable: the reviewed /foreign-currency deposit terms publish currency- and tenor-based rates and do not provide a separate senior-citizen uplift or rate band.
₹1.0001 crore (₹1 crore and ₹1,000)
Generally unavailable
lists limited exceptional cases requiring approval, with no interest payable if withdrawal is allowed
Term deposits: monthly, quarterly, half-yearly or yearly
10 basis points above the card rate applicable to senior citizens
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.
Minimum ₹1,000 and maximum below ₹3 crore
Available, subject to the penal clause applicable to a normal term deposit
Patrons is offered as callable or . payout choices follow term-deposit rules (quarterly by default, with monthly, half-yearly or yearly payment available for eligible longer tenors)
Rates effective 15 Jul 2026 by tenor (//): 1y–<2y4.40/4.00/3.00
2y–<3y3.55/3.95/1.50
3y3.35/3.00/1.50% p.a.
Not applicable: the reviewed /foreign-currency deposit terms publish currency- and tenor-based rates and do not provide a separate senior-citizen uplift or rate band.
USD 1,000, GBP 1,000 or EUR 1,000
↓
Before 1 year: no interest
after 1 year: 1 percentage point below the lower of the actual-run-period rate or contracted rate
One available way to demonstrate proof of financial support for a Canadian study-permit application, subject to the applicant meeting current IRCC requirements
0.20% per annum
Not applicable: the reviewed scheme terms publish a scheme- or programme-specific rate and do not provide a separate senior-citizen rate for this product.
One-time deposit of CAD 22,895 plus CAD 150 Canada administration fee
total receipt required is CAD 23,045 without deductions
CAD 150
non-refundable except when cancelling the Student within 14 business days from its issue date, according to the application guide
A chequing or savings account receives any initial amount and monthly payments
the remaining balance, where applicable, sits in a non-redeemable, non-renewable Student and pays principal plus monthly accrued interest by instalment under the redemption option chosen at application
Short-term deposits can run from 7 days to 2 years
SDR investment is up to 179 days
Prevailing Union Bank rate
Value awaiting review
Value awaiting review
Value awaiting review
Maturity payout follows the selected term-deposit instruction
no separate SDR payout matrix is published
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.
bob Advantage Fixed Deposits (Non- Callable)Bank of Baroda
bob Tax Saving Fixed Deposit AccountBank of Baroda
SBI FCNR(B) Premium AccountState Bank of India
SBI Resident Foreign Currency (RFC) AccountState Bank of India
