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Fixed & recurring deposits

bob (Recurring Deposits)

Start saving for the future with Bank of Baroda

Interest rateRate is locked for the selected tenure; senior-citizen rates may be up to 1% higher under applicable guidelines, with interest compounded quarterly and paid at maturity.Senior-citizen rateThe catalogue links the individual SDP product for the applicable senior-citizen rate; the catalogue page itself does not publish a numeric add-on. The individual SDP page states resident senior additions under current guidelines.Tenure6 to 120 months, with monthly contributions and the rate locked for the selected tenure.
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✓ Manually checked 15 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.

Tenure6 to 120 months, with monthly contributions and the rate locked for the selected tenure.View source
The official page states 6–120 month tenure choices and a locked rate for the entire selected tenure.
Source
bob - A Recurring Deposit Scheme
Page / section
Introduction / Features
Accessed
22 Aug 2026
Confidence
high
Open official source ↗
Monthly instalmentMinimum monthly instalment ₹50 in rural/semi-urban areas and ₹100 in urban/metro areas; subsequent deposits use the same multiples.View source
The official features table publishes the ₹50/₹100 minimums by branch location.
Source
bob - A Recurring Deposit Scheme
Page / section
Features — Instalment Amount
Accessed
22 Aug 2026
Confidence
high
Open official source ↗
Interest rateRate is locked for the selected tenure; senior-citizen rates may be up to 1% higher under applicable guidelines, with interest compounded quarterly and paid at maturity.View source
The official page states locked pricing, senior-citizen uplift up to 1% and quarterly compounding.
Source
bob - A Recurring Deposit Scheme
Page / section
Introduction / Features — Rate of Interest
Accessed
22 Aug 2026
Confidence
high
Open official source ↗
Delayed / premature closureDelayed instalments attract ₹1 per ₹100 per month; premature closure applies a 1% deduction from the applicable or contracted rate, whichever is lower.View source
The publishes both the delayed-instalment penalty and premature-closure rate deduction.
Source
bob - A Recurring Deposit Scheme
Page / section
Features — Delayed Payment / Premature Closure
Accessed
22 Aug 2026
Confidence
high
Open official source ↗
LiquidityLoan or overdraft is available up to 95% of the outstanding deposit; no processing charge is levied on that facility under the stated terms.View source
The official features section states a 95% loan/overdraft facility and no processing charge.
Source
bob - A Recurring Deposit Scheme
Page / section
Features — Loan / Overdraft
Accessed
22 Aug 2026
Confidence
high
Open official source ↗
Senior-citizen rateThe catalogue links the individual SDP product for the applicable senior-citizen rate; the catalogue page itself does not publish a numeric add-on. The individual SDP page states resident senior additions under current guidelines.View source
The catalogue identifies the variants and links their individual terms; no numeric senior add-on is printed in the catalogue itself.
Source
bob (Recurring Deposits) catalogue — official product page
Page / section
Product catalogue — bob
Accessed
29 Aug 2026
Confidence
high
Open official source ↗

Related official documents

bob SDP (Recurring Deposits) catalogue — official product pageofficial-product-page · current · accessed 29 Aug 2026
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Recurring-deposit estimate

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Money at maturity₹3,07,751three lakh seven thousand seven hundred fifty-one rupees
Money you put in₹3,00,000three lakh rupees
Interest earned₹7,751seven thousand seven hundred fifty-one 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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