Bank of Baroda FD Calculator 2026 — Current Interest Rates & Maturity Value
Bank of Baroda currently offers FD interest rates starting from 6.85% p.a. for regular depositors and 7.35% for senior citizens (May 2026). A ₹5 Lakh deposit for 5 years matures to approximately ₹7.02 L (regular) or ₹7.20 L (senior). Use the calculator below to check maturity for your specific amount and tenure.
Last updated: 24 May 2026, 10:00 AM IST
Maturity Amount
₹7.02 L
at 6.85% for 5 years (quarterly compounding) at Bank of Baroda
Bank of Baroda — FD Details
Regular Rate
6.85% p.a.
Senior Citizen Rate
7.35% p.a.
TDS on FD Interest
TDS deducted at 10% on annual interest exceeding ₹40,000 (₹50,000 for seniors). Form 15G/15H can be submitted at branch or via net banking.
Premature Withdrawal
Allowed after 7 days. Penalty: 1% below applicable rate. Bob-e-Deposit can be opened and broken through net banking.
Minimum Deposit
₹1,000 (regular), ₹1,000 (tax-saver)
Bank of Baroda FD — Rates, TDS & Withdrawal Rules
A depositor places ₹5 Lakh in a Bank of Baroda FD at 6.85% for 5 years with quarterly compounding. The maturity amount is ₹7.02 L, earning ₹2.02 L in interest. For a senior citizen at 7.35%, the same deposit matures to ₹7.20 L — an extra ₹17,462 benefit. Bank of Baroda's minimum deposit is ₹1,000 (regular), ₹1,000 (tax-saver). On premature withdrawal: allowed after 7 days. Penalty: 1% below applicable rate. Bob-e-Deposit can be opened and broken through net banking. Regarding TDS: tDS deducted at 10% on annual interest exceeding ₹40,000 (₹50,000 for seniors). Form 15G/15H can be submitted at branch or via net banking. Always compare rates across tenures — the highest rate may be for a specific tenure (e.g., 1–2 years) rather than the standard 5-year term.
Data Sources
- RBI — Master Direction on Interest Rates (2026) — www.rbi.org.in
- Bank Websites — Latest FD Rates (May 2026) — www.rbi.org.in
- Income Tax Act — TDS on FD Interest (2025) — incometaxindia.gov.in
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Important: This calculator provides estimates based on the inputs and assumptions you provide. Results are mathematical projections, not financial advice or recommendations. Actual outcomes will vary based on market conditions, policy changes, individual circumstances, and factors not captured by this tool. Verify all figures independently and consult qualified professionals before making financial decisions.
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Frequently Asked Questions
What is Bank of Baroda FD interest rate 2026?
Bank of Baroda offers FD rates of 6.85% for regular depositors and 7.35% for senior citizens (as of May 2026). Rates vary by tenure — check the rate slab on our FD rates page.
What is the maturity of ₹5 Lakh FD in Bank of Baroda?
At 6.85% for 5 years (quarterly compounding), ₹5 Lakh matures to approximately ₹7.02 L. Senior citizens at 7.35% get ₹7.20 L.
What is the premature withdrawal penalty at Bank of Baroda?
Allowed after 7 days. Penalty: 1% below applicable rate. Bob-e-Deposit can be opened and broken through net banking.
How is TDS calculated on Bank of Baroda FD?
TDS deducted at 10% on annual interest exceeding ₹40,000 (₹50,000 for seniors). Form 15G/15H can be submitted at branch or via net banking.
What is the minimum FD amount at Bank of Baroda?
The minimum FD amount at Bank of Baroda is ₹1,000 (regular), ₹1,000 (tax-saver).
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Disclaimer
This calculator provides estimates based on the interest rates and tenure shown. Actual maturity may vary based on the bank's specific compounding method and any rate revisions during the tenure. Bank rates are sourced from public data and may not reflect the latest changes — always confirm with your bank before investing. TDS is deducted at source if applicable. This is not financial advice. RupayWise is not a deposit broker or financial advisor.