Bank of Baroda Interest Rates on FD, Jan 2017

Fixed Deposit Interest Rate of Bank of Baroda

Last Updated 16th Jan 2017
Tenure General Rates Senior Citizen Rates
7 days to 14 days 4.50% 4.50%
15 days to 45 days 4.50% 4.50%
46 days to 90 days 6.50% 6.50%
91 days to 180 days 6.50% 6.50%
181 days to 270 days 6.75% 6.75%
271 days to 364 days 7.00% 7.00%
1 year 7.00% 7.00%
1 year 1 day to 2 years 7.00% 7.00%
2 years 1 day to 3 years 6.85% 6.85%
3 years 1 day to 5 years 6.50% 6.50%
5 years 1 day to 10 years 6.50% 6.50%
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  • Bank of Baroda offers FD interest rates upto 7.00% per annum.
  • Interest on deposits with Bank of Baroda is typically compounded quarterly.
  • Bank of Baroda accepts deposits starting at Rs. 1000 for various tenures.
  • For senior citizens (age more than 60 years), Bank of Baroda offers higher interest rate over and above rates mentioned below.
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FD Maturity Amount

Bank of Baroda Fixed Deposit – Premature Withdrawl

  • You may break you FD and withdraw your money subject to minimum moratorium requirements.
  • However, in case of premature withdrawal, Bank of Baroda pays 1% lower ROI than that applicable for actual duration of deposit.

Loan against Bank of Baroda FD

  • Bank of Baroda offers loan upto 95% against its own deposit. Note that you cannot obtain a loan against FD from another bank.
  • Applicable rate of interest on loan against FD is typically 0.5% to 2% over the fixed deposit rate.

Bank of Baroda Interest Rates in your city. How and where to apply?

  • Keep your KYC documents - PAN card, address proof and photo ready.
  • In case you already hold an account with Bank of Baroda, you don’t need to submit KYC documents again.
  • To know more or apply, contact any of the branches of Bank of Baroda in your city - Find Bank of Baroda Branches here

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About Bank of Baroda

Bank of Baroda (BoB) is an Indian state owned bank with its headquarters in Vadodara, Gujarat. It was founded in 1908 by Maharaja of Baroda. The bank was later nationalized in 1969 by Govt. of India and designated as Public Sector Undertaking (PSU). BoB offers a variety of banking products and financial services in India. As on July 2014, Bank of Baroda had more than 4,956 branches across the country and 104 foreign branches served by over 42,215 employees. As on 31st March 2014, Bank of Baroda had assets worth Rs 6,59,504 crore . The bank recorded a net profit of Rs 4,541 crore during FY 2014 and total advances stood at Rs 3,97,005 crore on 31st March 2014 . Bank of Baroda has received many awards and accolades for providing excellent services to its customer. It was awarded 'Social Banking Excellence Award' under public sector bank category by ASSOCHAM in 2014. It was also awarded "Best Public Sector Bank Award" under the category Global Business Development at Dun & Bradstreet "Polaris Financial Technology Banking Awards 2013.
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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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