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Fixed & recurring deposits

ImageHarit Jama Yojana (Green Deposits Scheme)

A cumulative green term deposit supporting eligible sustainability projects, published at 6.85% p.a. for 999 days from 1 June 2026.

Published rate6.85% p.a. for 999 days for deposits of ₹1 lakh to below ₹10 crore, effective 1 June 2026.Senior-citizen rateFor the 999-day green deposit below ₹3 crore, resident senior citizens receive an additional 0.50% p.a. over the applicable green-deposit rate; super senior citizens receive an additional 0.65% p.a.TenureInitially fixed at 999 days; the bank may change the tenure for future deposits.
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ImageHarit Jama Yojana (Green Deposits Scheme)

0 of 4 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.

1Are you this type of customer: All KYC-compliant resident individuals, non-individuals and NRIs?

Published source: Eligibility

2Do you meet this requirement: minors are excluded?

Published source: Eligibility

3Do you meet this requirement: The official page excludes minors and describes green-energy, emissions-reduction and sustainability use of funds?

4Document checkDo you have this required document or proof: KYC and applicable deposit-opening documents?

Published source: Eligibility
0 of 4 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 21 Aug 2026 · active
Offered byBank of India

India; all branches for amounts below ₹10 crore

Key facts

What the official sources publish

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

Published rate6.85% p.a. for 999 days for deposits of ₹1 lakh to below ₹10 crore, effective 1 June 2026.Effective 1 Jun 2026View source
The current rate table lists 6.85% p.a. for the 999-day green deposit in the ₹1 lakh to below ₹10 crore bucket, effective 1 June 2026.
Source
Rupee term-deposit interest rates
Page / section
Green deposit
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Deposit range₹1 lakh minimum and below ₹10 crore maximum for the published all-branch offering.View source
The page states a minimum of ₹1 lakh and an amount below ₹10 crore; all branches handle amounts below ₹10 crore.
Source
ImageHarit Jama Yojana (Green Deposits Scheme)
Page / section
Amount and branches
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
TenureInitially fixed at 999 days; the bank may change the tenure for future deposits.View source
The green deposit is initially for 999 days and the tenure may be changed by the bank.
Source
ImageHarit Jama Yojana (Green Deposits Scheme)
Page / section
Tenure
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
EligibilityAll KYC-compliant resident individuals, non-individuals and NRIs; minors are excluded.View source
The product is available to -compliant resident individuals, non-individuals and , but not minors.
Source
ImageHarit Jama Yojana (Green Deposits Scheme)
Page / section
Eligibility
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Senior-citizen rateFor the 999-day green deposit below ₹3 crore, resident senior citizens receive an additional 0.50% p.a. over the applicable green-deposit rate; super senior citizens receive an additional 0.65% p.a.View source
The official green-deposit page states 50 bps for senior citizens and 65 bps for super senior citizens over the green-deposit below ₹3 crore.
Source
Green Deposits Scheme — Bank of India
Page / section
Additional Interest Rates to Resident Senior / Super Citizen
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Premature withdrawalPremature withdrawal is allowed subject to the Bank of India’s extant penalty guidelines; the current rate page publishes the applicable schedule as 0.50% for deposits below ₹5 lakh withdrawn before 12 months, nil after 12 months for deposits below ₹5 lakh, and 1.00% for deposits of ₹5 lakh and above. Death and certain renewal/staff exceptions are stated in the schedule.Effective 18 May 2026View source
The green-deposit page directs premature withdrawal to extant guidelines; the current official penalty tab publishes the three deposit-size/time bands and exceptions.
Source
Rupee Term Deposit Interest Rate for Domestic/ — Bank of India
Page / section
Penalty Details tab
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest payout / redemption999-day cumulative depositView source
The manually reviewed product record states: “999-day cumulative deposit”.
Source
ImageHarit Jama Yojana (Green Deposits Scheme) — official product page
Page / section
Published product metadata
Accessed
21 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • 999-day cumulative deposit
  • 6.85% p.a. for ₹1 lakh to below ₹10 crore, effective 1 June 2026
  • Senior and super-senior additions are published for deposits below ₹3 crore
  • Premature withdrawal, nomination and loan/ follow the published terms

Eligibility

  • The official page excludes minors and describes green-energy, emissions-reduction and sustainability use of funds.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • and applicable deposit-opening documents.

Related official documents

Green Deposits Scheme — official product pageofficial-product-page · current · accessed 30 Aug 2026
↗
Bank of India term-deposit catalogueofficial-product-page · current · accessed 21 Aug 2026
↗
Rupee term-deposit interest ratesrate-sheet · current · accessed 21 Aug 2026
↗
Rupee Term Deposit Interest Rate for Domestic/NRO — Bank of Indiaofficial-rate-sheet · current · accessed 30 Aug 2026
↗

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Deposit maturity estimate

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Money at maturity₹1,40,439one lakh forty thousand four hundred thirty-nine rupees
Money you put in₹1,00,000one lakh rupees
Interest earned₹40,439forty thousand four hundred thirty-nine 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.

Use the published table

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7 days to 14 days · Deposits below ₹3 crore3.00%

This value is copied from Callable domestic/ term-deposit rates. Check the table notes before relying on it.

Source: Rupee Term Deposit Interest Rate for Domestic/ - Bank of India · Domestic/ tab — callable rates Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 15 rows · 3 columnsCallable domestic/NRO term-deposit ratesAnnual interest rates for callable domestic and NRO term deposits, revised 18 May 2026.View tableHide table

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Callable domestic/NRO term-deposit rates
MaturityDeposits below ₹3 crore₹3 crore to below ₹10 crore
7 days to 14 days3.00%4.50%
15 days to 30 days3.00%5.00%
31 days to 45 days3.00%5.00%
46 days to 90 days4.50%5.00%
91 days to 179 days4.25%5.50%
180 days to 210 days5.50%5.75%
211 days to 269 days5.50%5.75%
270 days to less than 1 Year5.50%5.75%
1 Year6.50%6.50%
Above 1 Year to less than 2 Years6.50%6.25%
2 Years to less than 3 Years6.60%6.00%
3 Years6.70%5.50%
Above 3 Years to less than 5 Years6.25%5.50%
5 Years to less than 8 Years6.00%5.50%
8 years & above to up to 10 Years6.00%5.50%
Rupee Term Deposit Interest Rate for Domestic/ - Bank of India · Domestic/ tab — callable rates · effective 18 May 2026 · accessed 26 Aug 2026Open official source ↗
Table 2 · 4 rows · 3 columnsNon-callable domestic/NRO ratesAnnual interest rates for non-callable deposits above ₹1 crore, revised 18 May 2026.View tableHide table

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Non-callable domestic/NRO rates
MaturityAbove ₹1 crore to below ₹3 crore₹3 crore to below ₹10 crore
1 Year6.65%6.65%
Above 1 Year to less than 2 Years6.65%6.40%
2 Years to less than 3 Years6.75%6.15%
3 Years6.85%5.65%
Rupee Term Deposit Interest Rate for Domestic/ - Bank of India · Domestic/ tab — non-callable rates · effective 18 May 2026 · accessed 26 Aug 2026Open official source ↗
Table 3 · 1 row · 3 columnsImageHarit Jama Yojana (Green Deposit)The published 999-day green-deposit rate and indicative annualised return.View tableHide table

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ImageHarit Jama Yojana (Green Deposit)
MaturityRateEffective annualised rate (indicative)
999 days6.85%7.27%
  • Deposits must be ₹1 lakh to below ₹10 crore. Senior citizens receive an additional 50 bps and super senior citizens 65 bps over the applicable green-deposit rate below ₹3 crore.
Rupee Term Deposit Interest Rate for Domestic/ - Bank of India · Domestic/ and senior/additional-rate sections — green deposit · effective 1 Jun 2026 · accessed 26 Aug 2026Open official source ↗
Table 4 · 14 rows · 3 columnsCallable deposits of ₹10 crore and aboveCallable rates effective 1 July 2026 for large deposits.View tableHide table

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Callable deposits of ₹10 crore and above
Maturity₹10 crore to below ₹25 crore₹25 crore and above
7 days to 14 days5.25%5.25%
15 days to 30 days5.50%5.50%
31 days to 45 days5.50%5.50%
46 days to 90 days6.25%6.25%
91 days to 120 days6.75%6.75%
121 days to 179 days6.75%6.75%
180 days to 269 days6.80%6.80%
270 days to less than 1 Year6.80%6.80%
1 Year7.20%7.15%
Above 1 Year but less than 2 Years7.20%7.15%
2 Years and above but up to 3 Years6.85%6.85%
Above 3 Years and less than 5 Years6.25%6.25%
5 Years and above to less than 8 Years6.25%6.25%
8 Years and above to 10 Years6.25%6.25%
  • For rates on ₹10 crore and above, the page directs customers to the nearest branch; these published buckets are provided for reference.
Rupee Term Deposit Interest Rate for Domestic/ - Bank of India · ₹10 crore and above — callable deposit · effective 1 Jul 2026 · accessed 26 Aug 2026Open official source ↗
Table 5 · 3 rows · 3 columnsNon-callable deposits of ₹10 crore and aboveNon-callable rates effective 1 July 2026 for large deposits.View tableHide table

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Non-callable deposits of ₹10 crore and above
Maturity₹10 crore to below ₹25 crore₹25 crore and above
1 Year7.35%7.30%
Above 1 Year but less than 2 Years7.35%7.30%
2 Years and above up to 3 Years6.90%6.90%
Rupee Term Deposit Interest Rate for Domestic/ - Bank of India · ₹10 crore and above — non-callable deposit · effective 1 Jul 2026 · accessed 26 Aug 2026Open official source ↗
Table 6 · 15 rows · 3 columnsSenior and super-senior callable ratesCallable domestic term-deposit rates for senior citizens and super senior citizens, revised 18 May 2026.View tableHide table

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Senior and super-senior callable rates
MaturitySenior citizen below ₹3 croreSuper senior citizen below ₹3 crore
07 days to 14 days3.00%3.00%
15 days to 30 days3.00%3.00%
31 days to 45 days3.00%3.00%
46 days to 90 days4.50%4.50%
91 days to 179 days4.25%4.25%
180 days to 210 days6.00%6.15%
211 days to 269 days6.00%6.15%
270 days to less than 1 Year6.00%6.15%
1 Year7.00%7.15%
Above 1 Year to less than 2 Years7.00%7.15%
2 Years to less than 3 Years7.10%7.25%
3 Years7.45%7.60%
Above 3 Years to less than 5 Years7.00%7.15%
5 Years to less than 8 Years6.75%6.90%
8 years & above to up to 10 Years6.75%6.90%
  • Senior citizen means age 60 years or above but below 80 years. Super senior citizen means age 80 years and above.
Rupee Term Deposit Interest Rate for Domestic/ - Bank of India · Senior Citizen tab — callable rates · effective 18 May 2026 · accessed 26 Aug 2026Open official source ↗
Table 7 · 4 rows · 3 columnsSenior and super-senior non-callable ratesNon-callable rates for senior citizens and super senior citizens on deposits above ₹1 crore to below ₹3 crore.View tableHide table

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Senior and super-senior non-callable rates
MaturitySenior citizen above ₹1 crore to below ₹3 croreSuper senior citizen above ₹1 crore to below ₹3 crore
1 Year7.15%7.30%
Above 1 Year to less than 2 Years7.15%7.30%
2 Years to less than 3 Years7.25%7.40%
3 Years7.60%7.75%
Rupee Term Deposit Interest Rate for Domestic/ - Bank of India · Senior Citizen tab — non-callable rates · effective 18 May 2026 · accessed 26 Aug 2026Open official source ↗
Table 8 · 10 rows · 5 columnsSenior and super-senior effective annualised returnIndicative effective annualised return for cumulative deposits under the reinvestment plan with quarterly compounding.View tableHide table

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Senior and super-senior effective annualised return
MaturitySenior rateSenior annualised returnSuper-senior rateSuper-senior annualised return
180 days to 210 days6.00%6.04%6.15%6.20%
211 days to 269 days6.00%6.04%6.15%6.20%
270 days to less than 1 Year6.00%6.09%6.15%6.25%
1 Year7.00%7.19%7.15%7.34%
Above 1 Year to less than 2 Years7.00%7.19%7.15%7.34%
2 Years to less than 3 Years7.10%7.56%7.25%7.73%
3 Years7.45%8.26%7.60%8.45%
Above 3 Years to less than 5 Years7.00%7.71%7.15%7.90%
5 Years to less than 8 Years6.75%7.95%6.90%8.16%
8 years & above to 10 Years6.75%8.85%6.90%9.11%
  • Annualised returns are rounded to the nearest two decimal places.
Rupee Term Deposit Interest Rate for Domestic/ - Bank of India · Senior Citizen tab — effective annualised return · accessed 26 Aug 2026Open official source ↗
Table 9 · 3 rows · 2 columnsPremature withdrawal penaltiesPenalty schedule published on the Bank of India term-deposit rate page.View tableHide table

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Premature withdrawal penalties
Deposit categoryPenalty
Deposits below ₹5 lakh withdrawn after 12 monthsNil
Deposits below ₹5 lakh withdrawn before 12 months0.50%
Deposits of ₹5 lakh and above withdrawn prematurely1.00%
  • No penalty when a deposit is prematurely closed to renew for a longer period than the remaining original tenure. No penalty on premature withdrawal due to depositor death. Staff, ex-staff, staff/ex-staff senior citizens and spouse of deceased staff are exempt under the stated conditions.
Rupee Term Deposit Interest Rate for Domestic/ - Bank of India · Penalty Details tab — premature withdrawal · accessed 26 Aug 2026Open official source ↗
Table 10 · 3 rows · 3 columnsAdditional staff and senior-citizen rate applicabilityThe page identifies categories where additional staff or senior-citizen rates are not applicable.View tableHide table

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Additional staff and senior-citizen rate applicability
Account typeAdditional staff rateAdditional senior-citizen rate
Not applicableNot applicable
Capital Gain SchemeNot applicableNot applicable
/ depositsNot applicableNot applicable
  • The page also states that premature withdrawal uses the lower of the applicable rate for the actual period or the contracted rate, less any applicable penalty.
Rupee Term Deposit Interest Rate for Domestic/ - Bank of India · Additional Rate tab — applicability · accessed 26 Aug 2026Open official source ↗
Table 11 · 7 rows · 2 columnsTerm-deposit rate-sheet conditionsEligibility, discontinued-bucket, court-order and no-interest conditions published alongside the Bank of India rate tables.View tableHide table

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Term-deposit rate-sheet conditions
ConditionPublished rule
Rupee term-deposit tenorMinimum 1 year and maximum 10 years
Minimum deposit for published maturity buckets₹10,000, except court orders and special deposit categories
450-day Star Swarnim bucketDiscontinued for deposits below ₹3 crore; not available from 18 May 2026
Court-order term depositsUse the 10-year domestic// card rate applicable on the date of acceptance, regardless of the deposit term
No interest on early term-deposit withdrawalNo interest below 7 days for term deposits, below 3 months for recurring deposits, or below 12 months for deposits
₹10 crore and aboveContact the nearest branch for the applicable rate
Premature repayment rateLower of the rate for the actual period held or the contracted rate, less any applicable penalty
  • The page states that annualised returns are rounded to the nearest two decimal places.
Rupee Term Deposit Interest Rate for Domestic/ - Bank of India · Domestic/, Additional Rate and Penalty Details tabs — terms and conditions · effective 18 May 2026 · accessed 26 Aug 2026Open official source ↗

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