Bank of Baroda FD Calculator

Last Updated 16th Jan 2017

FD Calculator Bank of Baroda – Know your maturity amount?

  • Bank of Baroda, a leading Public Sector Bank in India offers attractive interest rates upto 7.00% on its fixed deposits.
  • FD maturity amount that you will get depends upon
    • Deposit amount
    • Rate of interest
    • FD tenure
    • Compounding frequency
    • TDS applicability and TDS rate
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Bank of Baroda Fixed Deposit calculator – FD Options

  • In a periodic interest payout option, Bank of Baroda would transfer the interest earned at each interval (say, quarterly) to your bank account. The interest would remain the same across the life of the deposit. On maturity, unless the deposit is renewed, would transfer the principal amount to your bank account.
  • In case you opt for a Bank of Baroda cumulative deposit, on maturity you would get a credit for the principal and interest earned net of TDS.
  • Calculate the FD maturity amount using the FD calculator.

Fixed Deposit calculator Bank of Baroda – Will TDS be deducted?

  • In case the interest earned by you across all your fixed deposits across all branches of Bank of Baroda in a year exceeds 0, the bank must deduct TDS at 10.3%. In case your IT PAN is not updated in the Bank of Baroda records, it must deduct twice the TDS at 20.6%. So, do remember to update your PAN on your FD.
  • Sorry, but we aren’t done with tax yet. This was only the TDS. Now, you would need to add the interest income on all your Bank of Baroda FD’s and other FD’s to your taxable income for the year. Based upon your tax bracket, income tax is payable on this income. Remember that you must estimate the interest income and all your other incomes and, based on this, pay advance tax on advance tax payment dates (15th Sep, 15th Dec, 15th March and 31st March).
  • Bank of Baroda will also issue you a Form 16A giving details of tax deducted on FD interest and tax deposited by it with government treasury. The TDS amount deposited by the bank with Income Tax Department can be verified in your 26AS statement available online on IT department website or through your net banking account. You can claim credit for the TDS amount in your annual Income Tax Return.

Bank of Baroda FD interest rate calculator – Check your city

  • Keep your KYC documents - PAN card, address proof and photo ready.
  • To know more or apply, contact any of the branches of Bank of Baroda in your city - Find Bank of Baroda Branches here

  • FD Calculator of all banks in India

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News - Jan 2017
12th Jan 17 Banks will offer CIBIL Score based home loan interest rates
Banks have introduced risk based pricing for new home loan borrowers. Banks will now consider CIBIL Score of the borrowers to offer the best home loan interest rate. Bank of Baroda has become the first bank to introduce CIBIL score based pricing to its home loan borrowers. Borrowers with a CIBIL score of above 760 are eligible to get home loan at rate of 8.35 percent, while those with a CIBIL Score of below 724 will have to pay an interest rate of 9.35 percent.
10th Jan 17 Bank of Baroda reduces home loan rate to 8.35 percent
Bank of Baroda has reduced its home loan interest rate by 70 basis points. The revised home loan rate for loan amount up to Rs. 50 lakhs now stands at 8.35 percent as compared to 9.05 percent earlier. The rates are effective from 7th January, 2017.
07th Jan 17 Bank of Baroda cuts MCLR by up to 70 basis points
Bank of Baroda has reduced its overnight and six months marginal cost of lending rate to 8.10 and 8.30 percent as compared to 8.80 and 9 percent respectively. The revised one year and three year MCLR is now 8.35 and 8.50 percent. Similarly, the bank has reduced its three year MCLR by 60 basis points to 8.65 percent. The rates are effective from 7th January, 2017.
12th Dec 16 Bank of Baroda is likely to buy stake in Cent Bank Home Finance
Bank of Baroda is in talks to buy a stake in Cent Bank Housing Finance, a subsidiary of Central Bank of India. Central Bank holds a 64 percent stake in CBHFL. The deal is currently in initial stages. . Bank of Baroda is expected to buy the entire 64 percent stake in the housing finance company in a bid to strengthen its position in the home loan segment.
07th Dec 16 Bank of Baroda cuts MCLR by 20 basis points
Bank of Baroda has reduced its overnight and three months marginal cost of lending rate to 8.80 and 8.95 percent from 9 and 9.15 percent respectively. The bank has also reduced its one and five year lending rates by 20 basis points to 9.05 and 9.25 percent from 9.25 and 9.45 percent earlier. Revised rates are effective from 7th December, 2016.
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