Fixed & recurring deposits

Non-callable Deposit

A premium-rate Bank of India term deposit with no ordinary premature closure and a published large-deposit threshold.

Non-callable rateFor deposits above ₹1 crore and below ₹3 crore, the published non-callable rates are 6.65% for 1 year, 6.65% for above 1 to below 2 years, 6.75% for 2 to below 3 years and 6.85% for 3 years. The ₹3 crore to below ₹10 crore column is published separately as 6.65%, 6.40%, 6.15% and 5.65% respectively.Senior-citizen rateFor non-callable deposits above ₹1 crore and below ₹3 crore, the senior-citizen rates are 7.15% for 1 year and above 1 to below 2 years, 7.25% for 2 to below 3 years and 7.60% for 3 years. The corresponding super-senior rates are 7.30%, 7.30%, 7.40% and 7.75%.Lock-in period1 year and above up to 3 years with a lock-in feature.

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✓ Manually checked 21 Aug 2026 · active

Offered byBank of India

India; selected branches and eligible deposit sizes only

Key facts

What the official sources publish

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

Minimum depositAbove ₹1 crore; the policy snippet describes non-callable deposits as currently above ₹1 crore.View source

The official page states that the product is for deposits more than ₹1 crore and selected branches; senior/super-senior benefits are described for deposits below ₹3 crore.

Source: Non-callable Deposits
Page / section: Amount and branch availability
Accessed: 21 Aug 2026
Confidence: high

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Lock-in period1 year and above up to 3 years with a lock-in feature.View source

The page describes 1 year and above up to 3 years with a lock-in feature.

Source: Non-callable Deposits
Page / section: Tenure
Accessed: 21 Aug 2026
Confidence: high

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Premature withdrawalNo ordinary premature closure. Exceptional withdrawal is limited to bankruptcy, winding-up under court/regulator/liquidator direction or death, subject to the bank’s terms.View source

The official product and policy snippets say there is no prepayment, with limited exceptions for bankruptcy, winding-up and death.

Source: Non-callable Deposits
Page / section: Premature withdrawal
Accessed: 21 Aug 2026
Confidence: high

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The official rate table publishes separate maturity and deposit-size columns for non-callable deposits.

Source: Rupee Term Deposit Interest Rate for Domestic/ — Bank of India
Page / section: Domestic/ tab — non-callable rates
Accessed: 30 Aug 2026
Confidence: high

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Senior-citizen rateFor non-callable deposits above ₹1 crore and below ₹3 crore, the senior-citizen rates are 7.15% for 1 year and above 1 to below 2 years, 7.25% for 2 to below 3 years and 7.60% for 3 years. The corresponding super-senior rates are 7.30%, 7.30%, 7.40% and 7.75%.Effective 18 May 2026View source

The official senior-citizen tab publishes the non-callable rates for deposits above ₹1 crore to below ₹3 crore.

Source: Rupee Term Deposit Interest Rate for Domestic/ — Bank of India
Page / section: Senior Citizen tab — non-callable rates
Accessed: 30 Aug 2026
Confidence: high

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Payout and lock-inThe non-callable product is a term deposit with a 1-year-to-3-year lock-in and no ordinary premature closure; the reviewed product and rate pages do not publish a separate monthly or quarterly payout option. Maturity redemption follows the selected term-deposit instruction.View source

The official page says the product has a 1-year-and-above-to-3-year lock-in and no option for ordinary premature closure; it does not describe a periodic payout mode.

Source: Non-callable Deposits — Bank of India
Page / section: Features / Deposit period / Premature withdrawal
Accessed: 30 Aug 2026
Confidence: high

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Benefits and features

Minimum amount is above ₹1 crore
Tenure is 1 year and above up to 3 years with a lock-in feature
Premature withdrawal is restricted except specified exceptional circumstances

Eligibility

The official page says selected branches and provides extra senior/super-senior benefit for deposits below ₹3 crore.

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

Documents the bank lists

and large-value deposit documentation as required by Bank of India.

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Deposit maturity estimate

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Money deposited onceThe amount you plan to place in the deposit today.₹one lakh rupees₹1,000₹1,00,00,000Yearly interest rateThe percentage the deposit earns in one year.%0.5%15%How long you keep itThe period before the deposit reaches maturity. months3 months120 months

Money at maturity₹1,39,064one lakh thirty-nine thousand sixty-four rupees

Money you put in₹1,00,000one lakh rupees

Interest earned₹39,064thirty-nine thousand sixty-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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TableMaturityChoose column

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