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Fixed & recurring deposits

bob Regular Income cum Recurring Deposit ()

Baroda Regular Income cum Recurring Deposit provides higher rate of interest with longer periods of deposit. Open account with comfort of liquidity at Bank of Baroda.

Interest rateRate follows the maturity period; interest is reinvested and compounded quarterly. Resident senior citizens receive an additional 0.50% under current guidelines.Senior-citizen rateResident senior citizens receive an additional 0.50% over the applicable maturity-period rate; staff/ex-staff presently receive an additional 1.00%, and eligible ex-staff senior citizens receive both additions.Tenure12 to 120 months.
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Quick eligibility check

bob Regular Income cum Recurring Deposit ()

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your age meet this requirement: Individuals, joint holders, minors aged 10 or above (including with a parent/guardian), clubs, associations, educational institutions, partnerships and registered joint-stock companies when the bank is satisfied the account is for genuine savings?

Published source: Eligibility

2Document checkDo you have this required document or proof: passport-size photograph?

Published source: Documents

3Document checkDo you have this required document or proof: proof of residence?

Published source: Documents

4Document checkDo you have this required document or proof: introduction as per bank norms?

Published source: Documents

5Document checkDo you have this required document or proof: Passport-size photograph, proof of residence and introduction as per Bank of Baroda norms?

Published source: Documents
0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Tenure12 to 120 months.View source
The page publishes minimum 12 months and maximum 120 months.
Source
bob Regular Income cum Recurring Deposit () — official product page
Page / section
Features — Period of Deposit
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Minimum deposit₹1,000 and multiples of ₹100.View source
The feature table states a ₹1,000 minimum and ₹100 multiples.
Source
bob Regular Income cum Recurring Deposit () — official product page
Page / section
Features — Minimum Amount of Deposit
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Interest rateRate follows the maturity period; interest is reinvested and compounded quarterly. Resident senior citizens receive an additional 0.50% under current guidelines.View source
The official page describes higher returns for longer periods, quarterly reinvestment and the senior-citizen addition.
Source
bob Regular Income cum Recurring Deposit ()
Page / section
Features — Rate Of Interest
Accessed
22 Aug 2026
Confidence
high
Open official source ↗
Interest payout / redemptionQuarterly compounding and reinvestment; maturity proceeds are credited to SB/CA, with cash below ₹20,000 and DD/pay order above that where no operative account exists. The deposit may be renewed for one year at the rate applicable on the due date unless instructed otherwise.View source
The product table describes quarterly reinvestment and the page's states the maturity-payment method and one-year auto-renewal.
Source
bob Regular Income cum Recurring Deposit () — official product page
Page / section
Features — Product Nature / Auto Renewal; — Mode of Payment
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Deposit typeRIRD cumulative/reinvestment term deposit (scheme code TD101), with quarterly compounding and reinvestment of interest.View source
The feature table identifies TD101 and states that interest is compounded quarterly and reinvested.
Source
bob Regular Income cum Recurring Deposit () — official product page
Page / section
Features — Scheme Code / Product Nature
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
EligibilityIndividuals, joint holders, minors aged 10 or above (including with a parent/guardian), clubs, associations, educational institutions, partnerships and registered joint-stock companies when the bank is satisfied the account is for genuine savings.View source
The page lists the eligible individual, minor and institutional customer types.
Source
bob Regular Income cum Recurring Deposit () — official product page
Page / section
Features — Eligibility
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Maximum depositNo upper limit.View source
The feature table states no upper limit.
Source
bob Regular Income cum Recurring Deposit () — official product page
Page / section
Features — Maximum Amount of Deposit
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Senior-citizen rateResident senior citizens receive an additional 0.50% over the applicable maturity-period rate; staff/ex-staff presently receive an additional 1.00%, and eligible ex-staff senior citizens receive both additions.View source
The rate section states the 0.50% senior addition and current 1.00% staff addition.
Source
bob Regular Income cum Recurring Deposit () — official product page
Page / section
Features — Rate of Interest
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Loan / overdraft against depositLoan or overdraft is available on demand up to 95% of the outstanding balance, with interest charged under the bank's extant retail-banking guidelines.View source
The page states loan/overdraft up to 95% of the outstanding balance.
Source
bob Regular Income cum Recurring Deposit () — official product page
Page / section
Features — Availability of Loan/Overdraft
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Premature-withdrawal / refund termsNo penalty for deposits up to ₹5 lakh kept at least 12 months. Otherwise the applicable or contracted rate (whichever is lower) is reduced by 1%; deposits of ₹1 crore and above require 31 days' notice and a 1.50% penalty.View source
The page publishes the ₹5 lakh waiver, 1% deduction and ₹1 crore/31-day/1.5% bands.
Source
bob Regular Income cum Recurring Deposit () — official product page
Page / section
Features — Other Terms and Conditions / Premature Closure
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
DocumentsPassport-size photograph, proof of residence and introduction as per Bank of Baroda norms.View source
The page lists the three account-opening documents.
Source
bob Regular Income cum Recurring Deposit () — official product page
Page / section
Documents Required
Accessed
29 Aug 2026
Confidence
high
Open official source ↗

Eligibility

  • Individuals, joint holders, minors aged 10 or above (including with a parent/guardian), clubs, associations, educational institutions, partnerships and registered joint-stock companies when the bank is satisfied the account is for genuine savings.

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 Regular Income cum Recurring Deposit (RIRD) — official product pageofficial-product-page · current · accessed 29 Aug 2026
↗

Plan before applying

Try the numbers

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Recurring-deposit estimate

See how much the deposit may be worth at the end. You can change the bank's published rate to test another case.

Money at maturity₹3,03,844three lakh three thousand eight hundred forty-four rupees
Money you put in₹3,00,000three lakh rupees
Interest earned₹3,844three thousand eight hundred forty-four rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Scheme code · Published detailTD101

This value is copied from bob — complete feature table. Check the table notes before relying on it.

Source: bob Regular Income cum Recurring Deposit () — official product page · Features, Documents Required and Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 12 rows · 2 columnsbob RIRD — complete feature tablePublished RIRD eligibility, amounts, payout and closure terms.View tableHide table

Scroll sideways to view every column

bob RIRD — complete feature table
ParameterPublished detail
Scheme codeTD101
Product natureQuarterly compounding and reinvestment
EligibilityIndividuals, joint holders, minors aged 10+, clubs, associations, educational institutions, partnerships and registered companies
Minimum deposit₹1,000 in ₹100 multiples
Maximum depositNo upper limit
Tenure12–120 months
Interest rateAs per maturity period; senior +0.50%; staff +1.00% presently
PayoutQuarterly compounding/reinvestment; maturity credit to /
Loan / overdraftUp to 95% of outstanding balance
Premature withdrawal₹5 lakh/12-month waiver; otherwise 1% deduction, or 1.5% and 31-day notice for ₹1 crore+
Auto-renewalOne year at due-date rate unless instructed otherwise
DocumentsPhotograph, residence proof and introduction
  • The official page links the current deposit-rate source for the maturity-specific percentage.
bob Regular Income cum Recurring Deposit () — official product page · Features, Documents Required and · accessed 29 Aug 2026Open official source ↗

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