12 months, 1.5 years, 777 days, 1111 days, 1717 days or 2201 days
Callable green deposits below ₹3 crore: 6.20% (12 months, 1.5 years and 777 days), 6.25% (1111 and 1717 days), and 5.95% (2201 days), effective 16 May 2026. Non-callable rates for the same tenors are 6.25%, 6.25%, 6.25%, 6.30%, 6.30% and 6.00% respectively. ₹3–₹10 crore bulk tables are published separately.
For callable domestic deposits below ₹3 crore: 4.00% (7–45 days), 5.50% (46–180 days), 6.00% (181–210 days), 6.25% (211–270 days), 6.50% (271 days to below 1 year), 6.75% (1–3 years), 6.90% (above 3–5 years), 7.00% (above 5–10 years). Special: Square Drive 6.95% for 444 days
Golden Goal 7.25% for 555 days.
Callable deposits: ₹5,000 and further multiples of ₹100. Non-callable deposits: above ₹1 crore and further multiples of ₹100.
Non-callable deposits cannot be withdrawn prematurely
callable deposits follow the bank's applicable penalty and notice rules
Maturity proceeds are credited to the customer's / account
where there is no operative account, cash is allowed below ₹20,000 and a /pay order is issued above that amount. The page also states auto-renewal is available.
555-day callable deposit: 6.75% p.a. for general//
non-callable: 6.80% p.a. (0.05% additional).
For callable domestic deposits below ₹3 crore: 4.00% (7–45 days), 5.50% (46–180 days), 6.00% (181–210 days), 6.25% (211–270 days), 6.50% (271 days to below 1 year), 6.75% (1–3 years), 6.90% (above 3–5 years), 7.00% (above 5–10 years). Special: Square Drive 6.95% for 444 days
Golden Goal 7.25% for 555 days.
Non-callable bob Advantage route: above ₹1 crore and below ₹3 crore for fresh and renewal deposits
the scheme is offered within retail term deposits below ₹3 crore.
No penalty for deposits up to ₹5 lakh kept at least 12 months. Deposits under 12 months or above ₹5 lakh but below ₹1 crore use the applicable rate less 1%
deposits of ₹1 crore and above require 31 days' notice and a 1.5% penalty. deposits pre-closed before one year earn no interest.
The 555-day deposit is available with the bank's three interest options: (cumulative/reinvestment), (monthly payout) and (quarterly payout) for the period above one year. Maturity proceeds are credited to /
without an operative account, cash is allowed below ₹20,000 and /pay order above that.
maturity is one month after the last instalment or the due date, whichever is later.
Compounded quarterly and paid at maturity
resident senior-citizen and eligible staff add-ons follow current guidelines.
Resident senior citizens receive an additional interest rate under the bank's current guidelines
the goal pages do not publish a standalone percentage, while their tables show separate senior-citizen maturity illustrations. Deposits below ₹3 crore qualify under the wording.
↑
Goal schemes use the illustrated ₹1,000–₹3,000 (Lakhpati) or ₹10,000–₹30,000 (Millionaire) monthly instalments
the underlying rules also permit ₹50 rural/semi-urban and ₹100 urban/metro minimums for ordinary accounts.
No premature-penalty charge and no missed-instalment charge under this scheme
loan/overdraft up to 95% of outstanding balance is permitted under bank guidelines.
Interest is paid on maturity
nomination available and applies to interest/maturity as per the Income Tax Act.
resident senior citizens receive guideline-based add-ons, including 0.50% bands and 0.10% super-senior addition shown in the .
For callable domestic deposits below ₹3 crore: 4.00% (7–45 days), 5.50% (46–180 days), 6.00% (181–210 days), 6.25% (211–270 days), 6.50% (271 days to below 1 year), 6.75% (1–3 years), 6.90% (above 3–5 years), 7.00% (above 5–10 years). Special: Square Drive 6.95% for 444 days
Golden Goal 7.25% for 555 days.
₹5,000, treated as five units of ₹1,000
additional deposits are accepted in ₹1,000 multiples.
Prepayment is allowed by unit. No penalty applies to deposits up to ₹5 lakh kept at least 12 months. Otherwise interest is reduced by 1% from the applicable or contracted rate (whichever is lower)
deposits of ₹1 crore and above require 31 days' notice and incur a 1.50% penalty. Part-payment or closure is not available through bobWorld Mobile/Internet.
Interest is compounded quarterly and credited to the deposit on a half-yearly basis in September and December
maturity proceeds are credited to /, with cash below ₹20,000 and /pay order above that where no operative account exists. Partial prepayment is allowed in ₹1,000 units.
maturity is one month after the last instalment or the due date, whichever is later.
Compounded quarterly and paid on maturity
senior-citizen and staff additions follow current guidelines.
Resident senior citizens receive an additional interest rate under the bank's current guidelines
the goal pages do not publish a standalone percentage, while their tables show separate senior-citizen maturity illustrations. Deposits below ₹3 crore qualify under the wording.
↑
Goal schemes use the illustrated ₹1,000–₹3,000 (Lakhpati) or ₹10,000–₹30,000 (Millionaire) monthly instalments
the underlying rules also permit ₹50 rural/semi-urban and ₹100 urban/metro minimums for ordinary accounts.
No premature-penalty charge and no missed-instalment charge under each goal scheme
loan/overdraft up to 95% of outstanding balance is permitted under bank guidelines.
Interest is paid at maturity
nomination available and applies under the Income Tax Act.
interest is reinvested and compounded quarterly. Resident senior citizens receive an additional 0.50% under current guidelines.
Resident senior citizens receive an additional 0.50% over the applicable maturity-period rate
staff/ex-staff presently receive an additional 1.00%, and eligible ex-staff senior citizens receive both additions.
₹1,000 and multiples of ₹100.
No penalty for deposits up to ₹5 lakh kept at least 12 months. Otherwise the applicable or contracted rate (whichever is lower) is reduced by 1%
deposits of ₹1 crore and above require 31 days' notice and a 1.50% penalty.
Quarterly compounding and reinvestment
maturity proceeds are credited to /, with cash below ₹20,000 and /pay order above that where no operative account exists. The deposit may be renewed for one year at the rate applicable on the due date unless instructed otherwise.
In bob Short Term Deposits , you can invest money for a shorter period range from 7 days to 12 months. Open short term deposit with best interest rate at Bank of Baroda.
For callable domestic deposits below ₹3 crore: 3.50% (7–45 days), 5.00% (46–180 days), 5.50% (181–210 days), 5.75% (211–270 days), 6.00% (271 days to below 1 year), 6.25% (1–3 years), 6.30% (above 3–5 years), 6.00% (above 5–10 years). Special: Square Drive 6.45% for 444 days
Golden Goal 6.75% for 555 days.
For callable domestic deposits below ₹3 crore: 4.00% (7–45 days), 5.50% (46–180 days), 6.00% (181–210 days), 6.25% (211–270 days), 6.50% (271 days to below 1 year), 6.75% (1–3 years), 6.90% (above 3–5 years), 7.00% (above 5–10 years). Special: Square Drive 6.95% for 444 days
Golden Goal 7.25% for 555 days.
₹1,000 and multiples of ₹100.
Short-term deposits: no penalty for deposits up to ₹5 lakh kept at least 12 months
otherwise the applicable rate is reduced by 1% for the published bands, with 1.5% and 31-day notice for deposits of ₹1 crore and above. Flexi closure follows the bank's extant premature-penalty guidelines.
Interest is calculated at the deposit's maturity-period rate. Maturity proceeds are credited to /
where there is no operative account, cash is allowed below ₹20,000 and a /pay order is issued above that. The deposit renews for the same period at the rate applicable on the due date unless instructed otherwise.
444-day callable deposit: 6.45% p.a. for general//
non-callable: 6.50% p.a. (additional 0.05% for the ₹1 crore to below ₹3 crore non-callable band).
For callable domestic deposits below ₹3 crore: 4.00% (7–45 days), 5.50% (46–180 days), 6.00% (181–210 days), 6.25% (211–270 days), 6.50% (271 days to below 1 year), 6.75% (1–3 years), 6.90% (above 3–5 years), 7.00% (above 5–10 years). Special: Square Drive 6.95% for 444 days
Golden Goal 7.25% for 555 days.
Non-callable bob Advantage route: above ₹1 crore and below ₹3 crore for fresh and renewal deposits
callable retail term deposits remain below ₹3 crore.
No penalty for deposits up to ₹5 lakh kept at least 12 months. Deposits not kept 12 months, or above ₹5 lakh and below ₹1 crore, receive the applicable/contracted rate less 1%
deposits of ₹1 crore and above require 31 days' prior notice and a 1.5% penalty. deposits pre-closed before one year earn no interest.
The 444-day Square Drive term deposit is a maturity-linked fixed deposit
the reviewed product page does not publish a separate periodic-interest payout option. Interest is paid according to the selected callable/non-callable deposit instruction.
Domestic/ callable deposits below ₹3 crore (fresh and renewal, effective 12 June 2026): 3.50% for 7–45 days
5.00% for 46–180 days
5.50% for 181–210 days
5.75% for 211–270 days
6.00% for 271 days to below 1 year
6.25% for 1–3 years
6.30% for above 3–5 years
6.00% for above 5–10 years. Special rows: bob Square Drive 6.45% for 444 days and bob Golden Goal 6.75% for 555 days.
For callable domestic deposits below ₹3 crore: 4.00% (7–45 days), 5.50% (46–180 days), 6.00% (181–210 days), 6.25% (211–270 days), 6.50% (271 days to below 1 year), 6.75% (1–3 years), 6.90% (above 3–5 years), 7.00% (above 5–10 years). Special: Square Drive 6.95% for 444 days
Golden Goal 7.25% for 555 days.
₹1,000. The official also states deposits can be opened for a minimum tenure of 7 days.
Callable
see product terms for applicable premature-withdrawal conditions and penalty
The official overview distinguishes cumulative fixed deposits, where interest is reinvested and paid at maturity, from non-cumulative deposits with periodic returns
its identifies the Baroda Regular Income Plan as monthly payout and the Quarterly Income Plan as quarterly payout.
The linked scheme schedule sets the default sweep-in fixed-deposit period by account variant
the reviewed generic Flexi Fixed Deposits page does not publish one universal tenor.
For callable domestic deposits below ₹3 crore: 3.50% (7–45 days), 5.00% (46–180 days), 5.50% (181–210 days), 5.75% (211–270 days), 6.00% (271 days to below 1 year), 6.25% (1–3 years), 6.30% (above 3–5 years), 6.00% (above 5–10 years). Special: Square Drive 6.45% for 444 days
Golden Goal 6.75% for 555 days.
For callable domestic deposits below ₹3 crore: 4.00% (7–45 days), 5.50% (46–180 days), 6.00% (181–210 days), 6.25% (211–270 days), 6.50% (271 days to below 1 year), 6.75% (1–3 years), 6.90% (above 3–5 years), 7.00% (above 5–10 years). Special: Square Drive 6.95% for 444 days
Golden Goal 7.25% for 555 days.
No universal minimum deposit is published for the generic Flexi Fixed Deposit facility
sweep-out thresholds and multiples vary by the linked account scheme.
Short-term deposits: no penalty for deposits up to ₹5 lakh kept at least 12 months
otherwise the applicable rate is reduced by 1% for the published bands, with 1.5% and 31-day notice for deposits of ₹1 crore and above. Flexi closure follows the bank's extant premature-penalty guidelines.
Sweep-in and sweep-out facility linked to the deposit account
legacy LTGD: 12–15 years with 5-year lock-in. Government discontinued new deposits from 26 March 2025
existing deposits continue to redemption, and STBD may be offered at the bank’s discretion.
Legacy MTGD 2.25% p.a.
legacy LTGD 2.50% p.a. Interest is denominated in and based on the gold value on deposit creation.
Not applicable — the reviewed scheme page does not publish a separate senior-citizen rate or age-based rate uplift for this product.
10 grams of raw gold at any one time
no maximum. Gold is accepted as bars, coins or jewellery (stones and other metals excluded) and refined to 995 fineness.
Whole or part premature withdrawal is permitted subject to the applicable lock-in and penalties
premature redemption of legacy is paid only in .
Customers submit gold at a Collection and Purity Testing Centre
a certificate records quantity and purity. At maturity, principal may be paid in equivalent of deposited gold value or in gold (legacy premature redemption is only).
Two-year term deposit. The scheme was open only until 31 March 2025
no new deposits are accepted after that date, though existing certificates follow their terms.
7.5% p.a., compounded quarterly
subject to Government of India guidelines.
Not applicable — the reviewed scheme page does not publish a separate senior-citizen rate or age-based rate uplift for this product.
₹1,000 in multiples of ₹100
cumulative maximum ₹2 lakh per account holder. Additional deposits require a minimum three-month gap.
Up to 40% partial withdrawal once after one year. Premature closure is permitted after six months at an interest rate 2 percentage points below the scheme rate.
A single account holder may deposit once or in phases subject to the three-month gap
requires identity and address proof plus Aadhaar and /Form 60.
interest is paid monthly at discounted value. Resident senior citizens receive an additional 0.50% and eligible staff presently an additional 1%.
Resident senior citizens receive an additional 0.50% over the applicable maturity-period rate
staff/ex-staff presently receive an additional 1.00%, and eligible ex-staff senior citizens receive both additions.
₹1,000 and multiples of ₹100.
No penalty for deposits up to ₹5 lakh kept at least 12 months. Otherwise the applicable or contracted rate (whichever is lower) is reduced by 1%
deposits of ₹1 crore and above require 31 days' notice and a 1.50% penalty.
Interest is paid monthly at discounted value. Maturity proceeds are credited to /, with cash below ₹20,000 and /pay order above that where no operative account exists
deposits renew for one year at the due-date rate unless instructed otherwise.
contributions continue until exit at the applicable retirement/exit stage under rules, with annuity purchase and permitted lump-sum withdrawal at exit.
returns are market-linked and not a fixed interest rate
the reviewed Bank of Baroda page does not publish a guaranteed percentage.
Not applicable — the reviewed scheme page does not publish a separate senior-citizen rate or age-based rate uplift for this product.
The Bank of Baroda page does not publish a single universal minimum contribution for every channel
contribution and account-opening minimums follow the applicable /PoP process.
Partial withdrawal and premature exit are permitted only under / conditions
the Bank of Baroda page does not publish a separate penalty percentage.
At exit, provides a permitted lump-sum withdrawal and requires the balance specified by rules to purchase an annuity
Not applicable — Sukanya Samriddhi is a girl-child savings scheme and does not publish a senior-citizen rate.
₹250 minimum to ₹1.5 lakh maximum
Up to 50% of the balance may be withdrawn for education after age 18 or passing Class 10, whichever is earlier. Premature closure is allowed on death, specified compassionate grounds after five years, or marriage after age 18
no separate penalty amount is published.
The account matures when the girl completes 21 years from opening. Interest is credited annually
permitted education withdrawal is up to 50% after age 18 or Class 10, whichever is earlier.
The Bank of India page does not publish a fixed tenure for the Capital Gains Account Scheme. Account A is a savings account and Account B is a cumulative or non-cumulative term deposit
Account B’s applicable period follows the prevailing Bank of India terms and the tax scheme’s utilisation deadline, which must be checked for the relevant capital-gain claim.
Account A earns the prevailing savings-bank rate
Account B earns the Bank of India prevailing term-deposit rate.
No additional senior-citizen rate applies to the Capital Gain Scheme under the Bank of India rate-sheet applicability table.
Not stated on the reviewed official product page
the page instead specifies the two account forms and withdrawal controls.
Account B can be prematurely withdrawn by converting it to Account A using Form B
the page does not publish a separate scheme penalty, so the applicable term-deposit rules control.
Withdrawals are made from Account A using Form C and the passbook
Account B can be converted to Account A using Form B. A withdrawal above ₹25,000 must be paid by crossed demand draft.
Bank of India’s fixed and short-term deposit facility, with separate treatment for deposits repayable within six months and longer fixed deposits.
For deposits below ₹3 crore: 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 5.50% (180 days to below 1 year), 6.50% (1 to below 2 years), 6.60% (2 to below 3 years), 6.70% (3 years), 6.25% (above 3 to below 5 years), and 6.00% (5–10 years). Larger ₹3–below ₹10 crore buckets are published separately.
For deposits of at least ₹10,000 and below ₹3 crore with a term of 6 months to 10 years, the first account holder aged 60 to below 80 receives the published senior-citizen card rate: 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 6.00% (180 days to below 1 year), 7.00% (1 to below 2 years), 7.10% (2 to below 3 years), 7.45% (3 years), 7.00% (above 3 to below 5 years), and 6.75% (5 to 10 years). Deposits of 3 years and above receive the stated 0.75% senior uplift over the general card rate
the table is controlling for the published senior rate.
₹1 lakh for SDR
₹10,000 for at metro/urban branches
₹5,000 at rural/semi-urban branches and for senior citizens. A 7–14 day single deposit requires at least ₹1 lakh.
Premature repayment is permissible under applicable directives
applicable penalty follows Bank of India’s published penalty terms.
Interest is paid half-yearly on 1 October and 1 April (or next working day when a holiday), subject to .
the bank may change the tenure for future deposits.
6.85% p.a. for 999 days for deposits of ₹1 lakh to below ₹10 crore, effective 1 June 2026.
For 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.
₹1 lakh minimum and below ₹10 crore maximum for the published all-branch offering.
Premature 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.
1 year and above up to 3 years with a lock-in feature.
For 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.
For 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%.
Above ₹1 crore
the policy snippet describes non-callable deposits as currently above ₹1 crore.
No ordinary premature closure. Exceptional withdrawal is limited to bankruptcy, winding-up under court/regulator/liquidator direction or death, subject to the bank’s terms.
The 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.
The page describes deposits from 6 monthsup to 120 months
the ordinary range is shown as 12–120 months.
For deposits below ₹3 crore: 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 5.50% (180 days to below 1 year), 6.50% (1 to below 2 years), 6.60% (2 to below 3 years), 6.70% (3 years), 6.25% (above 3 to below 5 years), and 6.00% (5–10 years). Larger ₹3–below ₹10 crore buckets are published separately.
For deposits of at least ₹10,000 and below ₹3 crore with a term of 6 months to 10 years, the first account holder aged 60 to below 80 receives the published senior-citizen card rate: 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 6.00% (180 days to below 1 year), 7.00% (1 to below 2 years), 7.10% (2 to below 3 years), 7.45% (3 years), 7.00% (above 3 to below 5 years), and 6.75% (5 to 10 years). Deposits of 3 years and above receive the stated 0.75% senior uplift over the general card rate
the table is controlling for the published senior rate.
₹10,000 at metro/urban branches
₹5,000 at rural/semi-urban branches and for senior citizens.
Premature repayment is permissible under applicable directives
the page directs customers to Bank of India’s penalty terms for the applicable charge.
Interest is compounded quarterly and principal plus interest is paid at maturity
12 months minimum and 10 years maximum, in multiples of 3 months.
Interest follows the Bank of India callable domestic/ term-deposit card rate for the selected tenure. For deposits below ₹3 crore, the current published bands are 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 5.50% (180 days to below 1 year), 6.50% (1 to below 2 years), 6.60% (2 to below 3 years), 6.70% (3 years), 6.25% (above 3 to below 5 years), and 6.00% (5 to 10 years).
For eligible resident senior citizens aged 60 to below 80, the current senior card rates below ₹3 crore are 6.00% for 180 days to below 1 year, 7.00% for 1 to below 2 years, 7.10% for 2 to below 3 years, 7.45% for 3 years, 7.00% for above 3 to below 5 years and 6.75% for 5 to 10 years
senior benefit requires a term of at least 6 months and the Flexi recurring minimum stated by the rate page is ₹1,000.
₹500 and multiples in metro/urban branches
₹100 and multiples in rural/semi-urban branches. There is no upper limit on the core instalment.
For a recurring deposit, delayed instalments attract ₹1.50 per ₹100 per month for deposits up to 5 years and ₹2.00 per ₹100 per month for deposits over 5 years. The current term-deposit penalty schedule separately applies 0.50%below ₹5 lakh before 12 months, nil below ₹5 lakh after 12 months and 1.00% for deposits of ₹5 lakh and above when a term deposit is withdrawn prematurely.
The core instalment is fixed for the selected period
additional flexi instalments are accepted in multiples of the core amount at the applicable rate when deposited.
below 36 months follows normal fixed-deposit treatment, and a court direction may specify a longer period.
The product page publishes the prevailing Bank of India rate of interest for the selected tenure. It does not publish a -specific numeric percentage
the applicable rate must be taken from the current term-deposit schedule for the selected 36–120-month (or court-directed longer) period.
The page describes a prevailing rate by tenure but does not publish a separate senior-citizen or super-senior percentage. The Bank of India rate sheet does not list in its additional-rate applicability table
therefore no -specific senior add-on is published.
₹1,000 per month
there is no maximum deposit amount stated on the page.
Premature closure or part lump-sum payment requires court permission
the page states no premature-closure penalty.
Equated monthly instalments comprise principal and interest
the annuity is credited to the savings account net of applicable .
For deposits below ₹3 crore: 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 5.50% (180 days to below 1 year), 6.50% (1 to below 2 years), 6.60% (2 to below 3 years), 6.70% (3 years), 6.25% (above 3 to below 5 years), and 6.00% (5–10 years). Larger ₹3–below ₹10 crore buckets are published separately.
For deposits of at least ₹10,000 and below ₹3 crore with a term of 6 months to 10 years, the first account holder aged 60 to below 80 receives the published senior-citizen card rate: 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 6.00% (180 days to below 1 year), 7.00% (1 to below 2 years), 7.10% (2 to below 3 years), 7.45% (3 years), 7.00% (above 3 to below 5 years), and 6.75% (5 to 10 years). Deposits of 3 years and above receive the stated 0.75% senior uplift over the general card rate
the table is controlling for the published senior rate.
₹10,000 at metro/urban branches
₹5,000 at rural/semi-urban branches and for senior citizens.
Premature repayment is permitted under the Reserve Bank of India directives and Bank of India’s current penalty schedule: 0.50% for deposits below ₹5 lakh withdrawn before 12 months, nil for deposits below ₹5 lakh withdrawn after 12 months, and 1.00% for deposits of ₹5 lakh and above. The lower-of-actual-period-or-contracted-rate rule and published death/renewal exceptions also apply.
Interest may be paid monthly or quarterly
monthly interest is paid at a discounted value and is subject to .
For deposits below ₹3 crore: 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 5.50% (180 days to below 1 year), 6.50% (1 to below 2 years), 6.60% (2 to below 3 years), 6.70% (3 years), 6.25% (above 3 to below 5 years), and 6.00% (5–10 years). Larger ₹3–below ₹10 crore buckets are published separately.
For deposits of at least ₹10,000 and below ₹3 crore with a term of 6 months to 10 years, the first account holder aged 60 to below 80 receives the published senior-citizen card rate: 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 6.00% (180 days to below 1 year), 7.00% (1 to below 2 years), 7.10% (2 to below 3 years), 7.45% (3 years), 7.00% (above 3 to below 5 years), and 6.75% (5 to 10 years). Deposits of 3 years and above receive the stated 0.75% senior uplift over the general card rate
the table is controlling for the published senior rate.
₹10,000 at metro/urban branches
₹5,000 at rural/semi-urban branches and for senior citizens.
Premature repayment is permitted under the Reserve Bank of India directives and Bank of India’s current penalty schedule: 0.50% for deposits below ₹5 lakh withdrawn before 12 months, nil for deposits below ₹5 lakh withdrawn after 12 months, and 1.00% for deposits of ₹5 lakh and above. The lower-of-actual-period-or-contracted-rate rule and published death/renewal exceptions also apply.
Interest may be paid monthly or quarterly
monthly interest is paid at a discounted value and is subject to .
Interest follows the Bank of India recurring/deposit rate applicable to the selected tenure
the current rate sheet’s callable domestic bands below ₹3 crore are 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 5.50% (180 days to below 1 year), 6.50% (1 to below 2 years), 6.60% (2 to below 3 years), 6.70% (3 years), 6.25% (above 3 to below 5 years), and 6.00% (5 to 10 years). The recurring page confirms quarterly compounding and tenure multiples of 3 monthsup to 10 years.
For deposits of at least ₹10,000 and below ₹3 crore with a term of 6 months to 10 years, the first account holder aged 60 to below 80 receives the published senior-citizen card rate: 3.00% (7–45 days), 4.50% (46–90 days), 4.25% (91–179 days), 6.00% (180 days to below 1 year), 7.00% (1 to below 2 years), 7.10% (2 to below 3 years), 7.45% (3 years), 7.00% (above 3 to below 5 years), and 6.75% (5 to 10 years). Deposits of 3 years and above receive the stated 0.75% senior uplift over the general card rate
the table is controlling for the published senior rate.
₹500, with instalments in multiples of ₹500
the page also describes a maximum total limit of ₹10 lakh.
₹1.50 per ₹100 per month for periods up to 5 years
₹2 per ₹100 per monthabove 5 years. Advance equal instalments may waive the penalty in the stated circumstances.
As applicable to Bank of India normal domestic term deposits
the product page separately states an additional 0.50% for senior citizens.
0.50% p.a. additional over the applicable normal domestic term-deposit rate.
₹10,000 minimum
maximum ₹1,50,000 per year.
Premature withdrawal is not permitted for the first 5 years. If the depositor dies before maturity, the nominee or legal heir may receive premature payment under the rules without the penalty. No advance facility is available for 5 years from the deposit date.
Available as , MIC, QIC or DBD
nomination facility is available. Interest is subject to applicable rules.
IB Tax Saver Scheme: 5-year lock-in. Capital Gains Term Deposit: 7-day minimum and maximum 3 years
Deposit A is savings and Deposit B is cumulative or non-cumulative term deposit.
Rate follows Indian Bank's current deposit-rate schedule by product, tenor and customer category. The reviewed schedule publishes domestic retail term-deposit card rates from 2.80% to 6.80% p.a. and savings rates from 2.50% to 2.80% p.a.
exact applicable rate must be selected by tenor at booking.
IB Tax Saver is eligible for the additional 0.50% p.a. senior-citizen rate. Capital Gains deposits do not receive an additional staff or senior-citizen rate.
IB Tax Saver: ₹1,000 in multiples of ₹100up to ₹1,50,000. Capital Gains: minimum ₹1,000.
IB Tax Saver: no loan or foreclosure during the five-year lock-in. Capital Gains: withdrawals permitted as prescribed by the scheme
interest payments subject to .
IB Tax Saver interest quarterly, discounted monthly or at maturity. Capital Gains interest method follows ordinary savings or term-deposit accounts
(B): 1 to 5 years. Special (B): 3 to below 4 years, 4 to below 5 years or exact 5 years, with one-year lock-in. IND Rupee Gain tenor is selected with the applicable rate and forward premium
the page does not publish a fixed range.
Special (B) rates are 6.00%/5.60%/5.50% for 3–<4 years, 6.25%/5.85%/5.75% for 4–<5 years and 6.50%/6.10%/6.00% for 5 years across amount slabs up to USD 1 million, above USD 1–3 million and above USD 3 million. Standard (B) uses the current rate sheet
IND Rupee Gain return is interest plus forward premium.
No separate senior-citizen premium is published on the reviewed (B), Special (B) or IND Rupee Gain pages
the applicable deposit schedule controls.
(B) states no minimum or maximum amount stipulation. Special (B) publishes slabs but no separate minimum amount. IND Rupee Gain minimum is USD 10,000 or equivalent in a non- currency.
(B) follows the lower of the contracted rate or rate for the run period under the current guidelines
while a loan against is outstanding, preclosure is unavailable. Special (B) cannot close within one year
after one year and before three years pays 3.50%, and between three and below five years pays the applicable run-period rate less 1 percentage point. IND Rupee Gain preclosure terms are not published on its product page.
(B) principal and interest are payable in the deposit currency. Special (B) follows (B) features. IND Rupee Gain maturity is converted into at the contracted forward rate and credited to the account.
Rate follows Indian Bank's current deposit-rate schedule by product, tenor and customer category. The reviewed schedule publishes domestic retail term-deposit card rates from 2.80% to 6.80% p.a. and savings rates from 2.50% to 2.80% p.a.
exact applicable rate must be selected by tenor at booking.
Additional 0.50% p.a. for senior citizens on aggregate eligible deposits up to ₹10 crore, with no single deposit above ₹2 crore opened in a day within the ceiling.
Minimum ₹1,000
no maximum amount.
Loan, nomination and preclosure available
applicable preclosure penalty and reduced interest follow the bank's current term-deposit rules.
Interest payable quarterly or monthly with a discount
automatic renewal for an equal period is available.
/MMD/: 1–10 years. IND Millionaire : 1–10 years in one-year multiples. IND Flexi /: 12–36 months.
term-deposit rates in the reviewed schedule: 6.10% for 1 year
6.20%above 1 to below 2 years
6.15% for 2 to below 3 years
6.05% for 3 to below 5 years
6.00% for 5 years and above. IND Green 500 days6.40%, IND Grow 555 days6.65% and IND Prosper 777 days6.60%.
No additional senior-citizen, staff, ex-staff or ex-staff senior-citizen premium is available on deposits.
No universal opening amount is published on the reviewed /MMD/ page. IND Millionaire targets ₹10 lakh and multiples at maturity
IND Flexi core deposit is ₹1,000–₹1,00,000.
preclosure follows the published rule: up to ₹5 lakh no penalty (unless below the minimum period, when no interest is payable)
above ₹5 lakh, applicable card rate less 1.00% p.a. For term deposits with a loan, preclosure is unavailable. Flexi has the separate ₹5 lakh/181-day rules published on its page.
/MMD/ maturity and interest are freely repatriable
Millionaire maturity is credited to linked /
Flexi interest uses the lowest balance from the 10th to month-end and is nil for but applies to under current rules.
IB Tax Saver Scheme: 5-year lock-in. Capital Gains Term Deposit: 7-day minimum and maximum 3 years
Deposit A is savings and Deposit B is cumulative or non-cumulative term deposit.
Rate follows Indian Bank's current deposit-rate schedule by product, tenor and customer category. The reviewed schedule publishes domestic retail term-deposit card rates from 2.80% to 6.80% p.a. and savings rates from 2.50% to 2.80% p.a.
exact applicable rate must be selected by tenor at booking.
IB Tax Saver is eligible for the additional 0.50% p.a. senior-citizen rate. Capital Gains deposits do not receive an additional staff or senior-citizen rate.
IB Tax Saver: ₹1,000 in multiples of ₹100up to ₹1,50,000. Capital Gains: minimum ₹1,000.
IB Tax Saver: no loan or foreclosure during the five-year lock-in. Capital Gains: withdrawals permitted as prescribed by the scheme
interest payments subject to .
IB Tax Saver interest quarterly, discounted monthly or at maturity. Capital Gains interest method follows ordinary savings or term-deposit accounts
(B): 1 to 5 years. Special (B): 3 to below 4 years, 4 to below 5 years or exact 5 years, with one-year lock-in. IND Rupee Gain tenor is selected with the applicable rate and forward premium
the page does not publish a fixed range.
Special (B) rates are 6.00%/5.60%/5.50% for 3–<4 years, 6.25%/5.85%/5.75% for 4–<5 years and 6.50%/6.10%/6.00% for 5 years across amount slabs up to USD 1 million, above USD 1–3 million and above USD 3 million. Standard (B) uses the current rate sheet
IND Rupee Gain return is interest plus forward premium.
No separate senior-citizen premium is published on the reviewed (B), Special (B) or IND Rupee Gain pages
the applicable deposit schedule controls.
(B) states no minimum or maximum amount stipulation. Special (B) publishes slabs but no separate minimum amount. IND Rupee Gain minimum is USD 10,000 or equivalent in a non- currency.
(B) follows the lower of the contracted rate or rate for the run period under the current guidelines
while a loan against is outstanding, preclosure is unavailable. Special (B) cannot close within one year
after one year and before three years pays 3.50%, and between three and below five years pays the applicable run-period rate less 1 percentage point. IND Rupee Gain preclosure terms are not published on its product page.
(B) principal and interest are payable in the deposit currency. Special (B) follows (B) features. IND Rupee Gain maturity is converted into at the contracted forward rate and credited to the account.
SSA deposits 15 years with maturity after 21 years
NSMIS 5 years
NSTDS 1, 2, 3 or 5 years.
, , and rates are notified by the Government of India for the applicable period. The reviewed page states SSA 8.20% p.a. for 2024-25 , NSMIS 7.4% p.a. for April–June 2026 and NSTDS 6.9%/7.0%/7.1%/7.5% p.a. for 1/2/3/5 years
use the current Government/Indian Bank schedule before investing.
is itself a senior-citizen scheme. The other Government schemes do not publish a separate senior-citizen premium on the reviewed page.
/₹1,000 in ₹100 multiples with no maximum
₹500 in ₹50 multiples up to ₹1,50,000 per financial year
₹1,000 minimum and ₹30 lakh maximum
SSA ₹250–₹1,50,000 per financial year
NSMIS/NSTDS ₹1,000 and multiples.
↓
////SSA/NSTDS withdrawal or premature-closure rules follow the respective Government scheme rules
NSMIS publishes a 2% deduction within three years and 1%after three years. explicitly disallows loans against the deposit.
NSMIS pays interest monthly after one month
NSTDS compounds quarterly and pays annually
SSA compounds annually
/// follow their Government scheme maturity and interest rules.
/MMD/: 1–10 years. IND Millionaire : 1–10 years in one-year multiples. IND Flexi /: 12–36 months.
term-deposit rates in the reviewed schedule: 6.10% for 1 year
6.20%above 1 to below 2 years
6.15% for 2 to below 3 years
6.05% for 3 to below 5 years
6.00% for 5 years and above. IND Green 500 days6.40%, IND Grow 555 days6.65% and IND Prosper 777 days6.60%.
No additional senior-citizen, staff, ex-staff or ex-staff senior-citizen premium is available on deposits.
No universal opening amount is published on the reviewed /MMD/ page. IND Millionaire targets ₹10 lakh and multiples at maturity
IND Flexi core deposit is ₹1,000–₹1,00,000.
preclosure follows the published rule: up to ₹5 lakh no penalty (unless below the minimum period, when no interest is payable)
above ₹5 lakh, applicable card rate less 1.00% p.a. For term deposits with a loan, preclosure is unavailable. Flexi has the separate ₹5 lakh/181-day rules published on its page.
/MMD/ maturity and interest are freely repatriable
Millionaire maturity is credited to linked /
Flexi interest uses the lowest balance from the 10th to month-end and is nil for but applies to under current rules.
Rate follows Indian Bank's current deposit-rate schedule by product, tenor and customer category. The reviewed schedule publishes domestic retail term-deposit card rates from 2.80% to 6.80% p.a. and savings rates from 2.50% to 2.80% p.a.
exact applicable rate must be selected by tenor at booking.
Additional 0.50% p.a. for eligible senior citizens up to ₹10 crore aggregate, with no single deposit above ₹2 crore opened in a day within the ceiling.
Minimum ₹1,000 in multiples of ₹100
no maximum amount.
Loan, nomination and preclosure are available
foreclosure penalty applies.
Quarterly compounding with automatic renewal for an equal period.
/MMD/: 1–10 years. IND Millionaire : 1–10 years in one-year multiples. IND Flexi /: 12–36 months.
term-deposit rates in the reviewed schedule: 6.10% for 1 year
6.20%above 1 to below 2 years
6.15% for 2 to below 3 years
6.05% for 3 to below 5 years
6.00% for 5 years and above. IND Green 500 days6.40%, IND Grow 555 days6.65% and IND Prosper 777 days6.60%.
No additional senior-citizen, staff, ex-staff or ex-staff senior-citizen premium is available on deposits.
No universal opening amount is published on the reviewed /MMD/ page. IND Millionaire targets ₹10 lakh and multiples at maturity
IND Flexi core deposit is ₹1,000–₹1,00,000.
preclosure follows the published rule: up to ₹5 lakh no penalty (unless below the minimum period, when no interest is payable)
above ₹5 lakh, applicable card rate less 1.00% p.a. For term deposits with a loan, preclosure is unavailable. Flexi has the separate ₹5 lakh/181-day rules published on its page.
/MMD/ maturity and interest are freely repatriable
Millionaire maturity is credited to linked /
Flexi interest uses the lowest balance from the 10th to month-end and is nil for but applies to under current rules.
SSA deposits 15 years with maturity after 21 years
NSMIS 5 years
NSTDS 1, 2, 3 or 5 years.
, , and rates are notified by the Government of India for the applicable period. The reviewed page states SSA 8.20% p.a. for 2024-25 , NSMIS 7.4% p.a. for April–June 2026 and NSTDS 6.9%/7.0%/7.1%/7.5% p.a. for 1/2/3/5 years
use the current Government/Indian Bank schedule before investing.
is itself a senior-citizen scheme. The other Government schemes do not publish a separate senior-citizen premium on the reviewed page.
/₹1,000 in ₹100 multiples with no maximum
₹500 in ₹50 multiples up to ₹1,50,000 per financial year
₹1,000 minimum and ₹30 lakh maximum
SSA ₹250–₹1,50,000 per financial year
NSMIS/NSTDS ₹1,000 and multiples.
↓
////SSA/NSTDS withdrawal or premature-closure rules follow the respective Government scheme rules
NSMIS publishes a 2% deduction within three years and 1%after three years. explicitly disallows loans against the deposit.
NSMIS pays interest monthly after one month
NSTDS compounds quarterly and pays annually
SSA compounds annually
/// follow their Government scheme maturity and interest rules.
SSA deposits 15 years with maturity after 21 years
NSMIS 5 years
NSTDS 1, 2, 3 or 5 years.
, , and rates are notified by the Government of India for the applicable period. The reviewed page states SSA 8.20% p.a. for 2024-25 , NSMIS 7.4% p.a. for April–June 2026 and NSTDS 6.9%/7.0%/7.1%/7.5% p.a. for 1/2/3/5 years
use the current Government/Indian Bank schedule before investing.
is itself a senior-citizen scheme. The other Government schemes do not publish a separate senior-citizen premium on the reviewed page.
/₹1,000 in ₹100 multiples with no maximum
₹500 in ₹50 multiples up to ₹1,50,000 per financial year
₹1,000 minimum and ₹30 lakh maximum
SSA ₹250–₹1,50,000 per financial year
NSMIS/NSTDS ₹1,000 and multiples.
↓
////SSA/NSTDS withdrawal or premature-closure rules follow the respective Government scheme rules
NSMIS publishes a 2% deduction within three years and 1%after three years. explicitly disallows loans against the deposit.
NSMIS pays interest monthly after one month
NSTDS compounds quarterly and pays annually
SSA compounds annually
/// follow their Government scheme maturity and interest rules.
SSA deposits 15 years with maturity after 21 years
NSMIS 5 years
NSTDS 1, 2, 3 or 5 years.
, , and rates are notified by the Government of India for the applicable period. The reviewed page states SSA 8.20% p.a. for 2024-25 , NSMIS 7.4% p.a. for April–June 2026 and NSTDS 6.9%/7.0%/7.1%/7.5% p.a. for 1/2/3/5 years
use the current Government/Indian Bank schedule before investing.
is itself a senior-citizen scheme. The other Government schemes do not publish a separate senior-citizen premium on the reviewed page.
/₹1,000 in ₹100 multiples with no maximum
₹500 in ₹50 multiples up to ₹1,50,000 per financial year
₹1,000 minimum and ₹30 lakh maximum
SSA ₹250–₹1,50,000 per financial year
NSMIS/NSTDS ₹1,000 and multiples.
↓
////SSA/NSTDS withdrawal or premature-closure rules follow the respective Government scheme rules
NSMIS publishes a 2% deduction within three years and 1%after three years. explicitly disallows loans against the deposit.
NSMIS pays interest monthly after one month
NSTDS compounds quarterly and pays annually
SSA compounds annually
/// follow their Government scheme maturity and interest rules.
SSA deposits 15 years with maturity after 21 years
NSMIS 5 years
NSTDS 1, 2, 3 or 5 years.
, , and rates are notified by the Government of India for the applicable period. The reviewed page states SSA 8.20% p.a. for 2024-25 , NSMIS 7.4% p.a. for April–June 2026 and NSTDS 6.9%/7.0%/7.1%/7.5% p.a. for 1/2/3/5 years
use the current Government/Indian Bank schedule before investing.
is itself a senior-citizen scheme. The other Government schemes do not publish a separate senior-citizen premium on the reviewed page.
/₹1,000 in ₹100 multiples with no maximum
₹500 in ₹50 multiples up to ₹1,50,000 per financial year
₹1,000 minimum and ₹30 lakh maximum
SSA ₹250–₹1,50,000 per financial year
NSMIS/NSTDS ₹1,000 and multiples.
↓
////SSA/NSTDS withdrawal or premature-closure rules follow the respective Government scheme rules
NSMIS publishes a 2% deduction within three years and 1%after three years. explicitly disallows loans against the deposit.
NSMIS pays interest monthly after one month
NSTDS compounds quarterly and pays annually
SSA compounds annually
/// follow their Government scheme maturity and interest rules.
Recurring Deposit: minimum 6 months and normally maximum 10 years in three-month multiples. Variable Recurring Deposit: fixed 3-year term.
Rate follows Indian Bank's current deposit-rate schedule by product, tenor and customer category. The reviewed schedule publishes domestic retail term-deposit card rates from 2.80% to 6.80% p.a. and savings rates from 2.50% to 2.80% p.a.
exact applicable rate must be selected by tenor at booking.
Additional 0.50% p.a. for eligible senior citizens
the current rate schedule applies the published aggregate ceiling and excludes stated /Capital Gains exceptions.
Recurring Deposit: monthly ₹100 and multiples thereof. Variable Recurring Deposit: initial ₹500 or multiples of ₹100up to ₹1 lakh
later instalments can reach ₹10 lakh per month.
Loan, nomination and foreclosure are available. foreclosure attracts a term-deposit penalty
VRD has a foreclosure penalty but no penal interest for delayed instalments.
Quarterly compounding
maturity or foreclosure proceeds follow the applicable term-deposit rate and rules.
SSA deposits 15 years with maturity after 21 years
NSMIS 5 years
NSTDS 1, 2, 3 or 5 years.
, , and rates are notified by the Government of India for the applicable period. The reviewed page states SSA 8.20% p.a. for 2024-25 , NSMIS 7.4% p.a. for April–June 2026 and NSTDS 6.9%/7.0%/7.1%/7.5% p.a. for 1/2/3/5 years
use the current Government/Indian Bank schedule before investing.
is itself a senior-citizen scheme. The other Government schemes do not publish a separate senior-citizen premium on the reviewed page.
/₹1,000 in ₹100 multiples with no maximum
₹500 in ₹50 multiples up to ₹1,50,000 per financial year
₹1,000 minimum and ₹30 lakh maximum
SSA ₹250–₹1,50,000 per financial year
NSMIS/NSTDS ₹1,000 and multiples.
↓
////SSA/NSTDS withdrawal or premature-closure rules follow the respective Government scheme rules
NSMIS publishes a 2% deduction within three years and 1%after three years. explicitly disallows loans against the deposit.
NSMIS pays interest monthly after one month
NSTDS compounds quarterly and pays annually
SSA compounds annually
/// follow their Government scheme maturity and interest rules.
Rate follows Indian Bank's current deposit-rate schedule by product, tenor and customer category. The reviewed schedule publishes domestic retail term-deposit card rates from 2.80% to 6.80% p.a. and savings rates from 2.50% to 2.80% p.a.
exact applicable rate must be selected by tenor at booking.
Senior citizens receive an additional 0.50% p.a.up to ₹10 crore
staff receive 1.00%up to ₹2 crore and ex-staff senior citizens 1.50%up to ₹10 crore, subject to the stated daily-deposit limits.
Minimum ₹1,000 in multiples of ₹100
no maximum amount.
Preclosure available with penalty under the existing penalty structure
loan against deposit and automatic renewal available.
Interest and principal paid together at maturity, subject to .
(B): 1 to 5 years. Special (B): 3 to below 4 years, 4 to below 5 years or exact 5 years, with one-year lock-in. IND Rupee Gain tenor is selected with the applicable rate and forward premium
the page does not publish a fixed range.
Special (B) rates are 6.00%/5.60%/5.50% for 3–<4 years, 6.25%/5.85%/5.75% for 4–<5 years and 6.50%/6.10%/6.00% for 5 years across amount slabs up to USD 1 million, above USD 1–3 million and above USD 3 million. Standard (B) uses the current rate sheet
IND Rupee Gain return is interest plus forward premium.
No separate senior-citizen premium is published on the reviewed (B), Special (B) or IND Rupee Gain pages
the applicable deposit schedule controls.
(B) states no minimum or maximum amount stipulation. Special (B) publishes slabs but no separate minimum amount. IND Rupee Gain minimum is USD 10,000 or equivalent in a non- currency.
(B) follows the lower of the contracted rate or rate for the run period under the current guidelines
while a loan against is outstanding, preclosure is unavailable. Special (B) cannot close within one year
after one year and before three years pays 3.50%, and between three and below five years pays the applicable run-period rate less 1 percentage point. IND Rupee Gain preclosure terms are not published on its product page.
(B) principal and interest are payable in the deposit currency. Special (B) follows (B) features. IND Rupee Gain maturity is converted into at the contracted forward rate and credited to the account.
SSA deposits 15 years with maturity after 21 years
NSMIS 5 years
NSTDS 1, 2, 3 or 5 years.
, , and rates are notified by the Government of India for the applicable period. The reviewed page states SSA 8.20% p.a. for 2024-25 , NSMIS 7.4% p.a. for April–June 2026 and NSTDS 6.9%/7.0%/7.1%/7.5% p.a. for 1/2/3/5 years
use the current Government/Indian Bank schedule before investing.
is itself a senior-citizen scheme. The other Government schemes do not publish a separate senior-citizen premium on the reviewed page.
/₹1,000 in ₹100 multiples with no maximum
₹500 in ₹50 multiples up to ₹1,50,000 per financial year
₹1,000 minimum and ₹30 lakh maximum
SSA ₹250–₹1,50,000 per financial year
NSMIS/NSTDS ₹1,000 and multiples.
↓
////SSA/NSTDS withdrawal or premature-closure rules follow the respective Government scheme rules
NSMIS publishes a 2% deduction within three years and 1%after three years. explicitly disallows loans against the deposit.
NSMIS pays interest monthly after one month
NSTDS compounds quarterly and pays annually
SSA compounds annually
/// follow their Government scheme maturity and interest rules.
Recurring Deposit: minimum 6 months and normally maximum 10 years in three-month multiples. Variable Recurring Deposit: fixed 3-year term.
Rate follows Indian Bank's current deposit-rate schedule by product, tenor and customer category. The reviewed schedule publishes domestic retail term-deposit card rates from 2.80% to 6.80% p.a. and savings rates from 2.50% to 2.80% p.a.
exact applicable rate must be selected by tenor at booking.
Additional 0.50% p.a. for eligible senior citizens
the current rate schedule applies the published aggregate ceiling and excludes stated /Capital Gains exceptions.
Recurring Deposit: monthly ₹100 and multiples thereof. Variable Recurring Deposit: initial ₹500 or multiples of ₹100up to ₹1 lakh
later instalments can reach ₹10 lakh per month.
Loan, nomination and foreclosure are available. foreclosure attracts a term-deposit penalty
VRD has a foreclosure penalty but no penal interest for delayed instalments.
Quarterly compounding
maturity or foreclosure proceeds follow the applicable term-deposit rate and rules.
Up to USD 1 million /above USD 1 million: 3y–<4y5.25/5.50
4y–<5y5.50/5.75
5y5.75/6.00% p.a.
Not applicable: the reviewed /foreign-currency deposit terms publish currency- and tenor-based rates and do not provide a separate senior-citizen uplift or rate band.
USD 5,000
further amounts in multiples of USD 1,000
Not permitted during year 1
after 1 year and before 3 years, 3.50% for the run period
from 3 years to below 5 years, 1 percentage point below the applicable run-period rate
Advantage (B) follows (B) interest rules: interest is calculated and paid at 180-day intervals and for the remaining days, with an option to receive interest on maturity with compounding. (B) interest may also be paid half-yearly or annually in the deposit currency when requested.
Up to 24 or 36 months depending on the declared tax section and original-asset transfer
2.50% p.a. across all savings-bank account balances, effective 15 June 2025
Not applicable: the reviewed scheme terms publish a scheme- or programme-specific rate and do not provide a separate senior-citizen rate for this product.
₹1,000
or may close before maturity, but proceeds must credit only to Capgains Account A
CapGains Plus has a Savings Bank account (Account A) and / term deposits (Account B). At maturity, the / proceeds are credited to the linked CapGains Plus Savings Bank account
Rates effective 15 Jul 2026 by tenor (/////): 1y4.40/4.00/3.00/3.08/4.25/0.65
>1y–<2y4.40/4.00/3.00/3.08/4.25/0.65
2y–<3y3.55/3.95/1.50/2.83/4.15/0.65
3y–<4y3.35/3.00/1.50/2.58/4.05/0.65
4y–<5y2.95/2.90/1.50/2.63/3.95/0.55
5y3.05/2.80/1.50/2.68/3.85/0.55% p.a.
Not applicable: the reviewed /foreign-currency deposit terms publish currency- and tenor-based rates and do not provide a separate senior-citizen uplift or rate band.
Six published deposit currencies and tenors from one to five years
Before 1 year: no interest
after 1 year: no penalty, with the lowest of the contracted rate, original rate for the actual run period, or current rate for that period
Advantage (B) follows (B) interest rules: interest is calculated and paid at 180-day intervals and for the remaining days, with an option to receive interest on maturity with compounding. (B) interest may also be paid half-yearly or annually in the deposit currency when requested.
does not publish one fixed Premium yield on the product page
Not applicable: the reviewed /foreign-currency deposit terms publish currency- and tenor-based rates and do not provide a separate senior-citizen uplift or rate band.
10,000 units for , , , or
JPY 1,000,000
No separate withdrawal penalty
the applicable interest follows standard (B) deposit terms
Advantage (B) follows (B) interest rules: interest is calculated and paid at 180-day intervals and for the remaining days, with an option to receive interest on maturity with compounding. (B) interest may also be paid half-yearly or annually in the deposit currency when requested.
1 to 3 years, including permissible broken periods under rules
0.50% p.a. for 1 year
0.55%above 1 through 2 years
0.60%above 2 through 3 years
Not applicable: the reviewed scheme terms publish a scheme- or programme-specific rate and do not provide a separate senior-citizen rate for this product.
Minimum 10 grams of eligible raw gold
no maximum
Allowed after a one-year lock-in with penal interest
does not quantify the penalty on the reviewed page
In Indian rupees annually on 31 March, or cumulatively at maturity
At the applicable card rate for the chosen 1111-day, 1777-day or 2222-day tenor
For 1111, 1777 and 2222 days, published table lists senior-citizen rates of 6.70%, 6.70% and 6.95% p.a. in the first amount band, and 6.40%, 6.40% and 6.40% p.a. in the second amount band
the applicable band follows the deposit amount shown by .
Minimum ₹1,000
no published maximum
Permitted under the guidelines applicable to premature withdrawal of a normal time deposit
Maturity instructions follow Term Deposit or Special Term Deposit rules
nomination is available and applies under Income Tax rules.
The dated illustration uses 6.55% p.a. for general-public 3–4-year examples and 6.30% p.a. for 5–10-year examples
the corresponding senior-citizen examples use 7.05% and 6.80%. These are illustrative rates from the 11 November 2025 chart and may change.
For retail deposits below ₹3 crore, the senior-citizen rate is 3.55% for 7–45 days, 5.40% for 46–179 days, 6.15% for 180–210 days, 6.40% for 211 days to under 1 year, 6.75% for 1 to under 2 years, 6.90% for 2 to under 3 years, 6.80% for 3 to under 5 years, and 7.05% for 5 to 10 years. Rates are effective 15 December 2025
the 5–10-year rate includes the 50-basis-point We-care premium.
Monthly instalments are pre-calculated from the selected ₹1 lakh (or multiple) maturity target and 3–10-year tenor
the page does not publish one universal minimum instalment.
0.50% for principal payment up to ₹5 lakh and 1%above ₹5 lakh
the payable rate is the lower of the elapsed-period rate or contracted rate after the applicable reduction, and no interest is paid if held under 7 days
The published monthly-instalment and interest tables were last updated 11 November 2025 and are illustrative, not a current quote.
36 to 216 months as directed by the Tribunal or Court
a period under 36 months is opened as a normal term deposit
6.30% p.a. for 36 months to under 5 years
6.05% from 5 years onward, with the 120-month rate applied beyond 120 months
For retail deposits below ₹3 crore, the senior-citizen rate is 3.55% for 7–45 days, 5.40% for 46–179 days, 6.15% for 180–210 days, 6.40% for 211 days to under 1 year, 6.75% for 1 to under 2 years, 6.90% for 2 to under 3 years, 6.80% for 3 to under 5 years, and 7.05% for 5 to 10 years. Rates are effective 15 December 2025
the 5–10-year rate includes the 50-basis-point We-care premium.
Principal is calculated to provide at least ₹1,000 monthly annuity for the directed period
no published maximum
Requires Tribunal or Court permission
no premature-closure penalty is charged
Starts on the anniversary date in the month after deposit
if the corresponding 29th, 30th or 31st does not exist, payment is on the first day of the next month
1 year: 6.55% p.a.from ₹1.0001 crore to below ₹3 crore, or 6.25% p.a. from ₹3 crore
2 years: 6.80% p.a. or 6.15% p.a. respectively
Not applicable: the reviewed /foreign-currency deposit terms publish currency- and tenor-based rates and do not provide a separate senior-citizen uplift or rate band.
₹1.0001 crore (₹1 crore and ₹1,000)
Generally unavailable
lists limited exceptional cases requiring approval, with no interest payable if withdrawal is allowed
Term deposits: monthly, quarterly, half-yearly or yearly
Not applicable: the reviewed scheme terms publish a scheme- or programme-specific rate and do not provide a separate senior-citizen rate for this product.
₹10,000, with further amounts in multiples of ₹1,000
Not permitted
Paid quarterly to the requested savings or current account
10 basis points above the card rate applicable to senior citizens
For retail deposits below ₹3 crore, the senior-citizen rate is 3.55% for 7–45 days, 5.40% for 46–179 days, 6.15% for 180–210 days, 6.40% for 211 days to under 1 year, 6.75% for 1 to under 2 years, 6.90% for 2 to under 3 years, 6.80% for 3 to under 5 years, and 7.05% for 5 to 10 years. Rates are effective 15 December 2025
the 5–10-year rate includes the 50-basis-point We-care premium.
Minimum ₹1,000 and maximum below ₹3 crore
Available, subject to the penal clause applicable to a normal term deposit
Patrons is offered as callable or . payout choices follow term-deposit rules (quarterly by default, with monthly, half-yearly or yearly payment available for eligible longer tenors)
15 years, extendable on application for one or more five-year blocks
7.10% p.a. for 1 July through 30 September 2026
Not applicable: the reviewed scheme terms publish a scheme- or programme-specific rate and do not provide a separate senior-citizen rate for this product.
Minimum ₹500 and maximum ₹1,50,000 per year, paid as a lump sum or instalments
Permitted subject to account age, specified dates, balances and current Scheme rules
The government reviews the rate quarterly
the displayed 7.10% applies through 30 September 2026.
Rates effective 15 Jul 2026 by tenor (//): 1y–<2y4.40/4.00/3.00
2y–<3y3.55/3.95/1.50
3y3.35/3.00/1.50% p.a.
Not applicable: the reviewed /foreign-currency deposit terms publish currency- and tenor-based rates and do not provide a separate senior-citizen uplift or rate band.
USD 1,000, GBP 1,000 or EUR 1,000
Before 1 year: no interest
after 1 year: 1 percentage point below the lower of the actual-run-period rate or contracted rate
One available way to demonstrate proof of financial support for a Canadian study-permit application, subject to the applicant meeting current IRCC requirements
0.20% per annum
Not applicable: the reviewed scheme terms publish a scheme- or programme-specific rate and do not provide a separate senior-citizen rate for this product.
One-time deposit of CAD 22,895 plus CAD 150 Canada administration fee
total receipt required is CAD 23,045 without deductions
CAD 150
non-refundable except when cancelling the Student within 14 business days from its issue date, according to the application guide
A chequing or savings account receives any initial amount and monthly payments
the remaining balance, where applicable, sits in a non-redeemable, non-renewable Student and pays principal plus monthly accrued interest by instalment under the redemption option chosen at application
contributions may be made for up to 15 years from opening
8.20% p.a. for 1 July through 30 September 2026
↑
Not applicable: the reviewed scheme terms publish a scheme- or programme-specific rate and do not provide a separate senior-citizen rate for this product.
Minimum ₹250, then multiples of ₹50, up to ₹1,50,000 per financial year
Up to 50% of the previous financial year-end balance for education, or marriage after the beneficiary reaches age 18, subject to scheme rules
Not allowed before five years except on the depositor's death
Quarterly compounded
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral.
bob Advantage Fixed Deposits (Non- Callable)Bank of Baroda
bob Crorepati - A Recurring Deposit SchemeBank of Baroda
bob Tax Saving Fixed Deposit AccountBank of Baroda
SBI FCNR(B) Premium AccountState Bank of India
SBI Tax Savings Scheme — NRO DepositState Bank of India
SBI Resident Foreign Currency (RFC) AccountState Bank of India
