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Bank of Baroda FD Calculator
Bank of Baroda FD Calculator can be used to calculate the maturity value and the interest income earned for different fixed deposit amounts and tenures. BoB FD calculator uses the principal amount, applicable Bank of Baroda FD interest rate and tenure to calculate the maturity and interest amounts.
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?
The procedure of using Paisabazaar’s FD Calculator is as follows:
- Enter the fixed deposit tenure, amount, and Bank of Baroda FD Interest Rate
- Click on ‘Calculate’
- The principal amount, maturity amount and the FD interest amount earned will reflect instantly
Bank of Baroda FD Interest Rates 2025
Bank of Baroda FD rates on Domestic/NRO Deposits of less than Rs 3 crore (with premature withdrawal facility) w.e.f. 12 September 2025
| Tenure | Interest Rates (%) p.a. | ||
| Regular Citizens | Senior Citizens | Super Senior Citizens | |
| 7 days to 14 days | 3.50 | 4.00 | 4.00 |
| 15 days to 45 days | 3.50 | 4.00 | 4.00 |
| 46 days to 90 days | 5.00 | 5.50 | 5.50 |
| 91 days to 180 days | 5.00 | 5.50 | 5.50 |
| 181 days to 210 days | 5.50 | 6.00 | 6.00 |
| 211 days to 270 days | 5.75 | 6.25 | 6.25 |
| 271 days & above and less than 1 year | 6.00 | 6.50 | 6.50 |
| 1 year | 6.25 | 6.75 | 6.75 |
| Above 1 year to 400 days | 6.50 | 7.00 | 7.10# |
| Above 400 days to 2 years | 6.50 | 7.00 | 7.10# |
| Above 2 years to 3 years | 6.50 | 7.00 | 7.10# |
| Above 3 years to 5 years | 6.40 | 7.00* | 7.10# |
| Above 5 years to 10 years | 6.00 | 7.00** | 7.00** |
| Above 10 years (MACAD Court Order schemes only) | 5.50 | 6.00 | 6.00 |
| BoB Square Drive Deposit Scheme (444 days) | 6.60 | 7.10 | 7.20 |
Notes:
- Additional senior citizen rates (50 bps) is applicable to resident Indian senior citizens only
- *Additional 0.60% over FD rates offered to regular citizens (0.50% + 0.10%)
- **Additional 1% over FD rates offered to regular citizens (0.50% + 0.50%)
- #Additional 0.10% over senior citizen FD rates (0.50%+0.10%)
Note: Interest rates as of 10 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 | 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 |
| 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 | 7.30 | 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 | 6.75 | 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 |
Interest rates as of 10 December 2025
The maturity value depends on the deposit tenure, BoB FD Interest Rate, amount and type of FD chosen, i.e. cumulative FD and non-cumulative FD.
Under non-cumulative FD, Bank of Baroda offers monthly and quarterly interest pay-out options for minimum 1 year tenure. In the quarterly interest pay-out option, interest is credited on a quarterly basis on the current/saving account of the depositor. In the monthly pay-out option, interest is calculated quarterly and paid out each month at a discounted rate. In the case of the cumulative Bank of Baroda FD option (also known as reinvestment option), the interest component remains invested till the FD maturity.
Bank of Baroda monthly interest plan is ideal for depositors who require a fixed monthly income to meet their expenses. This plan is highly suitable for the senior citizens. The cumulative investment option would benefit depositors from the power of compounding as the interest component of the fixed deposit remains invested and starts generating interest income on its own.
Benefits of Using Bank of Baroda FD Calculator
- Free of Cost: BoB FD Calculator tool is free of cost, so prospective depositors can use it indefinitely to compare and analyse returns for different combinations of FD interest rates, principal amount and FD tenure.
- Time Saving: Manually calculating the maturity value can be time consuming and increases the chances of errors. As Bank of Baroda FD calculator is automated, it saves time and reduces the probability of calculation mistakes.
- Know Your Returns in Advance: Bank of Baroda FD Calculator gives a rough idea of your interest income from your fixed deposit, even before opening the FD account. This helps you in making an informed financial decision considering your liquidity and cash flow requirements.