Download the
Paisabazaar app Today!
Paisabazaar app Today!
Get instant access to loans, credit cards, and financial tools — all in one place
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 – 2026
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 14 January 2026
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 | 7.90 | 7.25 | 7.25 | 7.90 | 0.20 |
| Jana Small Finance Bank | 7.77 | 7.00 | 7.50 | 7.77 | 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 |
| Shivalik Small Finance Bank | 7.50 | 6.00 | 6.75 | 6.25 | 0.50 |
| Equitas Small Finance Bank | 7.20 | 6.90 | 7.00 | 7.00 | 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 | 7.30 | 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 | 6.50 | 6.20 | 6.00 | 6.00 | 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 | 7.50 | 7.50 | 6.75 | 6.75 | 0.50 |
| Federal Bank | 6.70 | 6.25 | 6.70 | 6.40 | 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.
FAQs
What is the highest interest rate offered on Bank of India Fixed Deposits?
For the general public, the highest interest rate offered on Bank of India FD is 6.70% p.a. This highest interest rate is offered on Bank of India’s special fixed deposit scheme, Star Swarnim, which has a tenure of 450 days. For senior citizens, additional interest of 0.5% p.a. is given over and above the existing regular rates.
How much will be my interest earnings if I invest Rs. 1 lakh for a tenure of 1 year in a regular Bank of India Fixed Deposit scheme?
For regular citizens, the interest offered on a 1-year Bank of India FD is 6.25% p.a. Individuals planning to invest Rs 1 lakh in the bank’s regular fixed deposit scheme for a period of 1 year can earn Rs 6,398 as interest and Rs 1.06 lakh on maturity. Senior citizens get an additional 0.50% p.a. interest rate above the regular rates.
How much will be my interest earnings if I invest Rs 1 lakh in a regular Bank of India FD scheme for a tenure of 3 years?
For regular citizens, Bank of India currently offers 6.25% p.a. interest on 3-year FDs. If you invest Rs 1 lakh in a regular Bank of India FD scheme for a period of 3 years then you can earn Rs 20,448 as interest and Rs 1.20 lakh on maturity. Senior citizens get an additional 0.50% p.a. interest rate above the regular rates.
What will be my interest earnings if I invest Rs 1 lakh in a regular Bank of India FD for a period of 5 years?
For regular citizens, Bank of India currently offers 6% p.a. interest on 5-year FDs. If you invest Rs 1 lakh in a regular BOI FD scheme for a period of 5 years then you can earn Rs 34,686 as interest and Rs 1.34 lakh on maturity. Senior citizens get an additional 0.50% p.a. interest rate above the regular rates.
Are there any charges involved for using the Bank of India FD Calculator?
Anyone can use the Bank of India FD Calculator as many times as they want without incurring any cost.
Can NRIs use the Bank of India Fixed Deposit Calculator?
NRIs as well as PIOs and OCIs can use Bank of India FD Calculator for calculating the maturity value on their NRE/NRO fixed deposits.
Where can I use the Bank of India Fixed Deposit Calculator?
You can use Bank of India FD Calculator on the bank’s official website. Alternatively, to compare maturity value of varied banks’ FDs, individuals can use Paisabazaar’s Fixed Deposit Calculator. The calculator is easy to use and gives you an estimate on total maturity value and interest earnings based on the inputs provided by the user.
Does the Bank of India FD Calculator show interest earnings separately?
Just like most online FD calculators, Bank of India FD Calculator shows the interest earnings separately along with the total maturity amount.
How accurate is the Bank of India FD Calculator for estimating returns?
Bank of India FD Calculator gives accurate results.
Is the Bank of India Fixed Deposit Calculator useful for tax-saving FDs?
Yes, the FD calculator can be used for calculating the FD maturity amount and interest earned on the Bank of India’s tax saving FDs.