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BOI Fixed Deposit Calculator
Book FDs at Interest rate upto 8.00% p.a
Manage all FDs in one place
No Bank A/C Required
How to Use Paisabazaar’s FD Calculator
- Enter Bank of India FD rates, tenure and amount in the Paisabazaar’s FD Calculator
- Click on ‘Calculate’
- The calculator reflects the maturity value and interest amount earned on Fixed Deposits.
Bank of India FD Interest Rates – 2025
Bank of India FD Interest Rates of Domestic/NRO/NRI Deposits of less than Rs 3 crore w.e.f. 1 December 2025
| Tenure | Interest Rates (% p.a.) | ||
| Regular Citizens | Senior Citizens | Super Senior Citizens | |
| 7 days to 14 days | 3.00 | 3.00 | 3.00 |
| 15 days to 30 days | 3.00 | 3.00 | 3.00 |
| 31 days to 45 days | 3.00 | 3.00 | 3.00 |
| 46 days to 90 days | 4.50 | 4.50 | 4.50 |
| 91 days to 179 days | 4.25 | 4.25 | 4.25 |
| 180 days to 210 days | 5.50 | 6.00 | 6.15 |
| 211 days to 269 days | 5.50 | 6.00 | 6.15 |
| 270 days to less than 1 year | 5.50 | 6.00 | 6.15 |
| 1 year | 6.25 | 6.75 | 6.90 |
| Above 1 year to less than 2 years | 6.30 | 6.80 | 6.95 |
| 450 days – Star Swarnim | 6.70 | 7.20 | 7.35 |
| 2 years to less than 3 years | 6.30 | 6.80 | 6.95 |
| 3 years to less than 5 years | 6.25 | 7.00 | 7.15 |
| 5 years to less than 8 years | 6.00 | 6.75 | 6.90 |
| 8 years to 10 years | 6.00 | 6.75 | 6.90 |
Notes: 1. *Minimum deposit Rs 1 lakh
2. Additional 50 bps is offered to senior citizens and 65 bps is offered to super senior citizens on tenors 6 months and above
3. Senior citizens are offered additional premium of 25 bps, over and above the existing 50 bps on deposits (less than Rs 2 crore) for all the tenors of 3 years and above i.e. 75 bps.
4. Super senior citizens are offered an additional premium of 25 bps, over and above the existing 65 bps on deposits (less than Rs 2 crore) for all the tenors of 3 years and above i.e. 90 bps.
5. The minimum tenure for NRI deposits is 1 year.
Interest rates are updated as on 17 December 2025
Comparison of Top 20 Scheduled Banks based on FD Rates
Banks | Highest FD rate (% p.a.) | 1-year FD rate (% p.a.) | 3-year FD rate (% p.a.) | 5-year FD rate (% p.a.) | Additional interest rate for senior citizens (% p.a.) |
| Suryoday Small Finance Bank | 8.00 | 7.25 | 7.25 | 8.00 | 0.20 |
| Jana Small Finance Bank | 8.00 | 7.00 | 7.50 | 8.00 | 0.50 |
| ESAF Small Finance Bank | 7.60 | 4.75 | 6.00 | 5.75 | 0.50 |
| Utkarsh Small Finance Bank | 7.50 | 6.00 | 7.50 | 7.00 | 0.50 |
| Ujjivan Small Finance Bank | 7.45 | 7.25 | 7.20 | 7.20 | 0.50 |
| Equitas Small Finance Bank | 7.30 | 7.00 | 7.00 | 7.00 | 0.50 |
| Shivalik Small Finance Bank | 7.30 | 6.00 | 7.00 | 6.50 | 0.50 |
| Bandhan Bank | 7.20 | 7.00 | 7.00 | 5.85 | 0.50-0.75 |
| DCB Bank | 7.15 | 6.90 | 7.00 | 7.00 | 0.25-0.50 |
| RBL Bank | 7.20 | 7.00 | 7.20 | 6.70 | 0.50 |
| Capital Small Finance Bank | 7.15 | 7.00 | 7.00 | 6.90 | 0.50 |
| SBM Bank | 7.10 | 7.00 | 7.10 | 7.00 | 0.50 |
| AU Small Finance Bank | 7.10 | 6.35 | 7.10 | 6.75 | 0.50 |
| Central Bank of India | 6.75 | 6.40 | 6.25 | 6.25 | 0.50 |
| YES Bank | 7.00 | 6.65 | 7.00 | 6.75 | 0.50-0.75 |
| Induslnd Bank | 7.00 | 6.75 | 6.90 | 6.65 | 0.50 |
| Unity Small Finance Bank | 6.75 | 6.50 | 6.75 | 6.75 | 0.50 |
| Federal Bank | 6.75 | 6.25 | 6.75 | 6.50 | 0.50 |
| Bank of India | 6.70 | 6.25 | 6.25 | 6.00 | 0.50 |
Benefits of Using Bank of India (BOI) FD Calculator
- Time Saving: Manually calculating the maturity value consumes a lot of time and increases the chances of mistakes. Bank of India FD Calculator is automated and hence makes the calculation process easier and time saving.
- Free of Cost: Bank of India FD Calculator is free of cost and can be used multiple times for comparing and analysing returns for various combinations of principal amount, tenure and FD rates.
- Know Your Returns in Advance: Bank of India FD Calculator gives a rough idea of the FD earnings of depositors even before they have opened the FD account. Thus, they can make informed financial decisions based on their liquidity and cash flow.