Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Interest rateCurrent Bank term-deposit rate; resident senior citizens receive guideline-based add-ons, including 0.50% bands and 0.10% super-senior addition shown in the MITC.View source
The official page links the base rate to current term-deposit rates and lists senior add-on bands.
- Source
- bob Liquid Fixed Deposits Scheme
- Page / section
- Rate / Additional rate
- Accessed
- 23 Aug 2026
- Confidence
- high
Resident senior-citizen deposit rateFor 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.Effective 12 Jun 2026View source
The official table includes the resident senior-citizen column and special-scheme rates.
- Source
- Fixed Deposits Callable & Non-Callable upto ₹10.00 Crores
- Page / section
- Domestic Term Deposits below ₹3 crore
- Accessed
- 21 Aug 2026
- Confidence
- high
EligibilityIndividuals (single or joint), minors, HUFs, sole proprietorships, partnerships, public/private limited companies, associations, clubs, trusts and registered societies; not available to NRIs (NRE/NRO) or banks.View source
The page lists individual, minor, , business and institutional holders and expressly excludes and banks.
- Source
- bob Liquid Fixed Deposits Scheme — official product page
- Page / section
- Features — Eligibility
- Accessed
- 29 Aug 2026
- Confidence
- high
Minimum deposit₹5,000, treated as five units of ₹1,000; additional deposits are accepted in ₹1,000 multiples.View source
The feature table states a ₹5,000 minimum, deemed five units of ₹1,000, with further deposits in ₹1,000 multiples.
- Source
- bob Liquid Fixed Deposits Scheme — official product page
- Page / section
- Features — Minimum Amount of Deposit / In Multiple of
- Accessed
- 29 Aug 2026
- Confidence
- high
Tenure12 to 60 months.View source
The feature table and state a minimum period of 12 months and maximum period of 60 months.
- Source
- bob Liquid Fixed Deposits Scheme — official product page
- Page / section
- Features — Period of Deposit /
- Accessed
- 29 Aug 2026
- Confidence
- high
Premature-withdrawal / refund termsPrepayment 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/
The page publishes the ₹5 lakh/12-month waiver, 1% and 1.5% penalty bands, 31-day notice and digital-channel restriction.
- Source
- bob Liquid Fixed Deposits Scheme — official product page
- Page / section
- Features — Premature Closure Conditions; ;
- Accessed
- 29 Aug 2026
- Confidence
- high
Interest payout / redemptionInterest is compounded quarterly and credited to the deposit on a half-yearly basis in September and December; maturity proceeds are credited to SB/
The page states quarterly compounding with half-yearly credit, unit-based part payment and the maturity-payment method.
- Source
- bob Liquid Fixed Deposits Scheme — official product page
- Page / section
- Features — Payment of Interest / Part Payment; — Mode of Payment
- Accessed
- 29 Aug 2026
- Confidence
- high
Deposit typeRIRD / cumulative fixed deposit with partial-unit liquidity (bob Liquid Fixed Deposits Scheme, scheme code TD106).View source
The feature table identifies scheme code TD106 and product nature as an scheme (cumulative interest plan).
- Source
- bob Liquid Fixed Deposits Scheme — official product page
- Page / section
- Features — Scheme code and Product Nature
- Accessed
- 29 Aug 2026
- Confidence
- high
Maximum depositNo upper limit.View source
The feature table states that there is no upper limit.
- Source
- bob Liquid Fixed Deposits Scheme — official product page
- Page / section
- Features — Maximum Amount of Deposit
- Accessed
- 29 Aug 2026
- Confidence
- high
Senior-citizen rateResident senior citizens receive an additional 0.50% for deposits up to 3 years and above 10 years, and an additional 0.60% (0.50% + 0.10%) above 3 years up to 5 years. Super-senior citizens receive a further 0.10% above 1 year up to 5 years; staff deposits receive an additional 1.00% under bank guidelines.View source
The page publishes the current senior, super-senior and staff additions by tenure band.
- Source
- bob Liquid Fixed Deposits Scheme — official product page
- Page / section
- Features — Additional Rate of Interest
- Accessed
- 29 Aug 2026
- Confidence
- high
Loan / overdraft against depositLoan or overdraft is available under the bank's extant guidelines, generally up to 95% of the deposit value; the page excludes advances against non-callable deposits.View source
The benefits and state borrowing up to 95% of the fixed-deposit value, subject to bank guidelines.
- Source
- bob Liquid Fixed Deposits Scheme — official product page
- Page / section
- Benefits; Features — Availability of Loan/Overdraft;
- Accessed
- 29 Aug 2026
- Confidence
- high
DocumentsPassport-size photograph, proof of residence and introduction as per Bank of Baroda norms.View source
The page lists the three documents required to open the Liquid .
- Source
- bob Liquid Fixed Deposits Scheme — official product page
- Page / section
- Documents Required
- Accessed
- 29 Aug 2026
- Confidence
- high
Eligibility
- Individuals (single or joint), minors, , sole proprietorships, partnerships, public/private limited companies, associations, clubs, trusts and registered societies
- not available to (/) or banks.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- passport-size photograph
- proof of residence
- introduction as per bank norms
Related official documents
bob Liquid Fixed Deposits Scheme — official product pageofficial-product-page · current · accessed 29 Aug 2026
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