Deposit ₹100000 in Bank of Baroda: If you’ve been wondering where to park your savings safely and still earn a decent return, you’re not alone. Most Indians still trust fixed deposits (FDs) because they’re simple, safe, and predictable — no market drama, no sleepless nights. And right now, Bank of Baroda is offering one of the most attractive FD returns among public sector banks.
Let’s break down how you can turn a ₹1 lakh deposit into ₹1,23,508 — guaranteed.
Why Indians Still Trust Fixed Deposits
Let’s be honest — not everyone wants to take risks with the stock market or crypto. For many families, FDs are that one safe place where money quietly grows over time.
With Bank of Baroda, you not only get assured returns, but also flexible tenures — from just 7 days to 10 years. So whether you’re saving for short-term plans or long-term security, there’s an option for you.
Bank of Baroda FD Interest Rates (2025)
The Bank of Baroda Fixed Deposit Scheme is currently offering interest rates between 3.50% and 7.20%, depending on the deposit period and customer type.
But here’s where it gets really interesting — the special 444-day FD plan is one of the most rewarding options right now.
| Category | Tenure | Interest Rate |
|---|---|---|
| General Citizens | 444 days | 6.60% |
| Senior Citizens (60+) | 444 days | 7.10% |
| Super Senior Citizens (80+) | 444 days | 7.20% |
| General Citizens | 3 years | 6.50% |
| Senior Citizens | 3 years | 7.00% |
| Super Senior Citizens | 3 years | 7.10% |
These are fixed returns, unaffected by market ups and downs — a big reason why people still prefer FDs over risky options.
What You’ll Earn with a ₹1,00,000 Deposit
Here’s the thing — your returns depend on your age category and FD tenure. Let’s take a 3-year FD as an example:
| Category | Deposit Amount | Maturity Amount | Total Interest Earned |
|---|---|---|---|
| General Citizen (below 60 years) | ₹1,00,000 | ₹1,21,341 | ₹21,341 |
| Senior Citizen (60 years and above) | ₹1,00,000 | ₹1,23,144 | ₹23,144 |
| Super Senior Citizen (80 years and above) | ₹1,00,000 | ₹1,23,508 | ₹23,508 |
So, if you’re a super senior citizen, you’ll earn the highest fixed return — ₹23,508 on a ₹1 lakh deposit. That’s the power of long-term, guaranteed growth.
Why Choose Bank of Baroda for Your FD?
- Government-backed trust: It’s one of India’s leading public sector banks.
- Flexible tenures: From short 7-day deposits to long 10-year investments.
- Higher rates for seniors: You earn more as you grow older — a fair and thoughtful benefit.
- Guaranteed safety: Your principal and interest are 100% secure.
How to Open a Bank of Baroda FD
Opening a fixed deposit is easy — you can do it online or by visiting your nearest branch.
Here’s how to do it online:
- Log in to the Bank of Baroda Internet Banking portal or mobile app.
- Go to the Fixed Deposit section.
- Choose your deposit amount and tenure.
- Select your interest payout preference — monthly, quarterly, or on maturity.
- Confirm the details and complete the payment.
That’s it — your FD is active, and your money starts growing from day one.
FAQs
Q1. What is the minimum deposit for Bank of Baroda FD?
You can start with as little as ₹1,000, but higher deposits earn better overall returns.
Q2. Can I withdraw my FD early?
Yes, premature withdrawal is allowed, but you’ll get a slightly lower interest rate.
Q3. Is the interest on Bank of Baroda FDs taxable?
Yes, FD interest is taxable under the Income Tax Act, though senior citizens can claim deductions under Section 80TTB.
Q4. Are Bank of Baroda FDs safe?
Absolutely. Being a government-owned bank, it’s one of the safest investment options available.
Q5. Can I open an FD without visiting the branch?
Yes, the entire process can be done online through the Bank of Baroda mobile app or net banking.