Non-callable Baroda Advantage fixed deposit for accounts
Indian rupees () for the non-callable deposit
interest is taxable and principal is non-repatriable except as permitted under applicable rules.
Above ₹1 crore and below ₹3 crore
6.30% to 6.80% p.a. general// by tenor
6.80% to 7.30% senior citizens
special 444/555-day rates available
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Funds cannot be withdrawn before maturity under the non-callable scheme. interest is taxable under Indian income-tax rules, while principal and interest are fully repatriable on maturity and interest is tax-free in India.
An individual or may open the deposit in their own name, or jointly with another individual or a resident/ joint holder
normal fixed-deposit eligibility instructions also apply.
No universal minimum balance amount is published for the Salary Savings Account. The account must retain ₹50,000 to use the stated auto-sweep facility
balances above that amount transfer to .
The savings-account page does not publish a numeric savings rate. Auto-swept funds earn the applicable term-deposit rate for 12 months
an held for less than 12 months earns no interest.
The account accepts monthly overseas earnings in Indian rupees, allows free repatriation, provides remittance facilities and has interest income exempt from Indian income tax under applicable rules.
For an or who has gone abroad for employment and receives salary and bonuses at fixed intervals from the employer. Required proof includes employee , latest three months’ salary slips and an employer employment letter, in addition to documents.
Funds swept to earn the applicable term-deposit rate for 12 months. No interest is paid on an held for less than 12 months, and the page states that no additional senior-citizen or staff interest applies.
The account is fully repatriable and offers higher interest through sweep-in/sweep-out, free cheque book, free internet/mobile banking, free , unlimited free transactions, 50% locker-rent discount and a 0.15% concession on home and auto-loan rates.
savings account with digital onboarding for individual Indian-passport holders with a valid employment, business or vocation visa
minors below 10 need a natural guardian.
Indian rupees ( account).
₹10,000
not applicable for the first two quarters.
Not published on the reviewed Aspire account page. It publishes a ₹10,000 (waived for the first two quarters), but no numeric savings-rate percentage.
funds are fully repatriable under the account’s status
the page presents the product as an savings account for eligible Indian-passport holders and does not state a separate cap.
Individual Indian passport holder with a valid employment, business or vocation visa
the page also describes online opening for resident Indian individuals aged 18 or above who do not already hold an account with the bank, pending status activation.
The Premium account page does not publish a numeric savings-rate percentage
the balance earns the applicable savings rate from time to time.
Benefits include optional auto-sweep with a ₹1,00,000 threshold, 12-month and Monday sweeps, tax-exempt income, free cheque book and locker, zero Mastercard debit-card issuance/renewal charges, free airport-lounge access, 100% locker-rent concession and concession on home/auto-loan rates and processing fees.
, and
minors may open with parent/guardian under bank terms
(B) foreign-currency term deposit with principal and interest fully repatriable in foreign currency.
, , , and .
The (B) page does not publish a single numeric minimum deposit amount
deposits are accepted in the listed foreign currencies under the bank’s current (B) terms.
Current (B) rates effective 13 July 2026: USD 5.00% for 1–2 years, 3.55% for 2–3 years, 3.35% for 3–4 years, 2.95% for 4–5 years and 3.05% for 5 years
/// rates vary by the published currency table.
Principal and interest can be repatriated in the designated foreign currency
interest is tax-free in India under the product description.
and persons of Indian origin resident abroad, funding deposits through permitted inward remittances, , foreign-currency instruments or transfers from qualifying / accounts.
rupee fixed deposit with cumulative/reinvestment and quarterly-interest options.
Indian rupees (), with proceeds payable in a currency of the depositor’s choice where permitted.
No separate numeric minimum deposit is published on the Rupee Fixed Deposits page
deposits follow the current Bank of Baroda term-deposit acceptance rules.
Current term-deposit schedule (below ₹3 crore, effective 12 June 2026): 6.25% for 1 year through 3 years, 6.30%above 3 years to 5 years, and 6.00%above 5 years to 10 years
special 444-day and 555-day schemes are 6.45% and 6.75% respectively.
Principal and interest are freely repatriable in any convertible foreign currency at a place of the depositor’s choice.
Available to and eligible under rules
principal and interest are freely repatriable in a permitted convertible foreign currency.
No numeric minimum balance is published on the reviewed Rupee Savings Account page
it instead lists permitted funding, cheque-book and remittance facilities.
The page does not publish a numeric savings rate
it says interest is payable half-yearly in June and December and directs customers to the current deposit-rate schedule.
Principal and interest fully repatriable
Available to
funding may come through inward remittance in convertible currency, transfers from / accounts or permitted local rupee instruments. Cash in rupees cannot be deposited.
No numeric minimum balance is published on the reviewed Rupee Savings Account page
remittance, cheque-book and nomination facilities are described instead.
The page does not publish a numeric savings rate
it states that deposit interest is credited half-yearly in June and December and is subject to tax withholding where applicable.
Entire principal non-repatriable
Available to
an existing resident domestic account is converted to when the holder moves abroad for employment, business or emigration. Overseas corporate bodies cannot hold the account under the cited directive.
premium variants are IND D'Elite, IND Premium and IND Plus savings accounts.
Indian rupees ().
Ordinary minimum balance is not published on the reviewed page. Premium variants publish /term-deposit options: D'Elite ₹10 lakh, or ₹5 lakh + ₹50 lakh , or ₹1 lakh + ₹1 crore
Premium ₹2 lakh, or ₹1 lakh + ₹10 lakh , or ₹50,000 + ₹25 lakh
Plus ₹50,000, or ₹25,000 + ₹5 lakh , or ₹10,000 + ₹10 lakh .
savings rates follow the current Indian Bank schedule: 2.50% p.a.up to ₹10 lakh, 2.60%above ₹10 lakh to below ₹200 crore and 2.65% from ₹200 crore and above in the reviewed / schedule.
Ordinary funds and interest are freely repatriable. Premium variants retain repatriation treatment
service privileges do not change the underlying account rules.
Non-Resident Indians
a resident close relative may be joint holder only on former- or survivor-resident basis. Premium variants require the selected /term-deposit criterion.
premium variants are IND D'Elite, IND Premium and IND Plus savings accounts.
Indian rupees ().
Ordinary minimum balance is not published on the reviewed page. Premium variants publish /term-deposit options: D'Elite ₹10 lakh, or ₹5 lakh + ₹50 lakh , or ₹1 lakh + ₹1 crore
Premium ₹2 lakh, or ₹1 lakh + ₹10 lakh , or ₹50,000 + ₹25 lakh
Plus ₹50,000, or ₹25,000 + ₹5 lakh , or ₹10,000 + ₹10 lakh .
savings rates follow the current Indian Bank schedule: 2.50% p.a.up to ₹10 lakh, 2.60%above ₹10 lakh to below ₹200 crore and 2.65% from ₹200 crore and above in the reviewed / schedule.
Ordinary funds and interest are freely repatriable. Premium variants retain repatriation treatment
service privileges do not change the underlying account rules.
Non-Resident Indians
a resident close relative may be joint holder only on former- or survivor-resident basis. Premium variants require the selected /term-deposit criterion.
premium variants are IND D'Elite, IND Premium and IND Plus savings accounts.
Indian rupees ().
Ordinary minimum balance is not published on the reviewed page. Premium variants publish /term-deposit options: D'Elite ₹10 lakh, or ₹5 lakh + ₹50 lakh , or ₹1 lakh + ₹1 crore
Premium ₹2 lakh, or ₹1 lakh + ₹10 lakh , or ₹50,000 + ₹25 lakh
Plus ₹50,000, or ₹25,000 + ₹5 lakh , or ₹10,000 + ₹10 lakh .
savings rates follow the current Indian Bank schedule: 2.50% p.a.up to ₹10 lakh, 2.60%above ₹10 lakh to below ₹200 crore and 2.65% from ₹200 crore and above in the reviewed / schedule.
Ordinary funds and interest are freely repatriable. Premium variants retain repatriation treatment
service privileges do not change the underlying account rules.
Non-Resident Indians
a resident close relative may be joint holder only on former- or survivor-resident basis. Premium variants require the selected /term-deposit criterion.
premium variants are IND D'Elite, IND Premium and IND Plus savings accounts.
Indian rupees ().
Ordinary minimum balance is not published on the reviewed page. Premium variants publish /term-deposit options: D'Elite ₹10 lakh, or ₹5 lakh + ₹50 lakh , or ₹1 lakh + ₹1 crore
Premium ₹2 lakh, or ₹1 lakh + ₹10 lakh , or ₹50,000 + ₹25 lakh
Plus ₹50,000, or ₹25,000 + ₹5 lakh , or ₹10,000 + ₹10 lakh .
savings rates follow the current Indian Bank schedule: 2.50% p.a.up to ₹10 lakh, 2.60%above ₹10 lakh to below ₹200 crore and 2.65% from ₹200 crore and above in the reviewed / schedule.
Ordinary funds and interest are freely repatriable. Premium variants retain repatriation treatment
service privileges do not change the underlying account rules.
Non-Resident Indians
a resident close relative may be joint holder only on former- or survivor-resident basis. Premium variants require the selected /term-deposit criterion.
or SNRR business account, as named by each official page.
Seafarer and foreign-student accounts are / accounts
is held in , , SGD, , , , or CHF
SNRR is .
Seafarer: ₹2,00,000, or ₹1,00,000 plus ₹10 lakh , or ₹50,000 plus ₹25 lakh . Foreign-student, and SNRR minimum balances are not stated on the reviewed product pages.
SNRR is explicitly non-interest-bearing. The foreign-student , and Seafarer savings rates are governed by the applicable Indian Bank schedule
no separate numeric rate appears on the reviewed product page.
SNRR balances are repatriable
holds foreign currency for returning residents
Seafarer follows repatriation rules
foreign-student is for local study/personal expenses and does not publish a separate outward-repatriation facility.
Seafarer: Indian-national foreign-shipping seafarer. Foreign student: foreign national studying in India, with Pakistan nationals requiring approval. : Indian previously non-resident and now returning permanently. SNRR: person resident outside India with bona fide India business interest.
or SNRR business account, as named by each official page.
Seafarer and foreign-student accounts are / accounts
is held in , , SGD, , , , or CHF
SNRR is .
Seafarer: ₹2,00,000, or ₹1,00,000 plus ₹10 lakh , or ₹50,000 plus ₹25 lakh . Foreign-student, and SNRR minimum balances are not stated on the reviewed product pages.
SNRR is explicitly non-interest-bearing. The foreign-student , and Seafarer savings rates are governed by the applicable Indian Bank schedule
no separate numeric rate appears on the reviewed product page.
SNRR balances are repatriable
holds foreign currency for returning residents
Seafarer follows repatriation rules
foreign-student is for local study/personal expenses and does not publish a separate outward-repatriation facility.
Seafarer: Indian-national foreign-shipping seafarer. Foreign student: foreign national studying in India, with Pakistan nationals requiring approval. : Indian previously non-resident and now returning permanently. SNRR: person resident outside India with bona fide India business interest.
or SNRR business account, as named by each official page.
Seafarer and foreign-student accounts are / accounts
is held in , , SGD, , , , or CHF
SNRR is .
Seafarer: ₹2,00,000, or ₹1,00,000 plus ₹10 lakh , or ₹50,000 plus ₹25 lakh . Foreign-student, and SNRR minimum balances are not stated on the reviewed product pages.
SNRR is explicitly non-interest-bearing. The foreign-student , and Seafarer savings rates are governed by the applicable Indian Bank schedule
no separate numeric rate appears on the reviewed product page.
SNRR balances are repatriable
holds foreign currency for returning residents
Seafarer follows repatriation rules
foreign-student is for local study/personal expenses and does not publish a separate outward-repatriation facility.
Seafarer: Indian-national foreign-shipping seafarer. Foreign student: foreign national studying in India, with Pakistan nationals requiring approval. : Indian previously non-resident and now returning permanently. SNRR: person resident outside India with bona fide India business interest.
or SNRR business account, as named by each official page.
Seafarer and foreign-student accounts are / accounts
is held in , , SGD, , , , or CHF
SNRR is .
Seafarer: ₹2,00,000, or ₹1,00,000 plus ₹10 lakh , or ₹50,000 plus ₹25 lakh . Foreign-student, and SNRR minimum balances are not stated on the reviewed product pages.
SNRR is explicitly non-interest-bearing. The foreign-student , and Seafarer savings rates are governed by the applicable Indian Bank schedule
no separate numeric rate appears on the reviewed product page.
SNRR balances are repatriable
holds foreign currency for returning residents
Seafarer follows repatriation rules
foreign-student is for local study/personal expenses and does not publish a separate outward-repatriation facility.
Seafarer: Indian-national foreign-shipping seafarer. Foreign student: foreign national studying in India, with Pakistan nationals requiring approval. : Indian previously non-resident and now returning permanently. SNRR: person resident outside India with bona fide India business interest.
Normal account balance rules apply: the account can be opened with zero balance
Personal Banking branch thresholds are ₹1 lakh in Metro/Urban areas and ₹50,000 in Semi-Urban/Rural areas.
2.50% p.a. across all account balances
balances are partly repatriable, subject to the overall ceiling of USD 1 million (or equivalent) in a financial year and applicable tax/document rules.
Indian-employer staff posted overseas or on ships, and overseas-employer staff meeting listed employer-account condition
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
bob Aspire NRE Savings AccountBank of Baroda
SBI NRE Salary AccountState Bank of India
SBI NRO Salary AccountState Bank of India
