{"id":10575,"date":"2026-02-17T12:01:55","date_gmt":"2026-02-17T12:01:55","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10575"},"modified":"2026-02-17T12:01:55","modified_gmt":"2026-02-17T12:01:55","slug":"bob-fd-interest-rates-2026-latest-bank-of-baroda-fixed-deposit-rates-features-eligibility","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/bob-fd-interest-rates-2026-latest-bank-of-baroda-fixed-deposit-rates-features-eligibility\/","title":{"rendered":"BOB FD Interest Rates 2026 \u2013 Latest Bank of Baroda Fixed Deposit Rates, Features & Eligibility"},"content":{"rendered":"\n

Bank of Baroda (BOB) Fixed Deposits remain a trusted investment option in 2026 for individuals looking for safe, stable, and predictable returns. As one of India\u2019s leading public sector banks, BOB offers competitive FD interest rates across short-term and long-term tenures.<\/p>\n\n\n\n

If you\u2019re planning to invest this year, here\u2019s a complete guide on BOB FD interest rates 2026, features, eligibility, tax rules, and how to open an FD<\/strong>.<\/p>\n\n\n\n

Quick Summary: BOB FD 2026<\/h2>\n\n\n\n
Feature<\/th>Details<\/th><\/tr><\/thead>
Bank Name<\/td>Bank of Baroda (BOB)<\/td><\/tr>
Tenure<\/td>7 days to 10 years<\/td><\/tr>
Minimum Deposit<\/td>\u20b91,000 (may vary by scheme)<\/td><\/tr>
Maximum Deposit<\/td>No upper limit<\/td><\/tr>
Senior Citizen Benefit<\/td>+0.50% (typically)<\/td><\/tr>
Interest Payout<\/td>Monthly \/ Quarterly \/ On Maturity<\/td><\/tr>
Premature Withdrawal<\/td>Allowed with penalty<\/td><\/tr>
Loan Against FD<\/td>Available<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

BOB FD Interest Rates 2026<\/h1>\n\n\n\n

BOB FD interest rates vary depending on tenure and customer type (general or senior citizen). Rates are subject to change based on bank notifications.<\/p>\n\n\n\n

BOB FD Rates for General Public (Indicative 2026)<\/h3>\n\n\n\n
Tenure<\/th>Interest Rate (p.a.)<\/th><\/tr><\/thead>
7 \u2013 45 days<\/td>3.50%<\/td><\/tr>
46 \u2013 90 days<\/td>4.50%<\/td><\/tr>
91 \u2013 180 days<\/td>5.00%<\/td><\/tr>
181 \u2013 270 days<\/td>6.00%<\/td><\/tr>
271 days \u2013 1 year<\/td>6.25%<\/td><\/tr>
1 year<\/td>6.75%<\/td><\/tr>
399 days (special tenure, if available)<\/td>7.25%<\/td><\/tr>
2 \u2013 3 years<\/td>7.00%<\/td><\/tr>
3 \u2013 5 years<\/td>6.75%<\/td><\/tr>
5 \u2013 10 years<\/td>6.50%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

BOB FD Rates for Senior Citizens (60+ Years)<\/h3>\n\n\n\n

Senior citizens typically receive an additional 0.50% interest<\/strong> over regular rates.<\/p>\n\n\n\n

Example: If the general rate is 7.00%, senior citizens may earn around 7.50%.<\/p>\n\n\n\n

BOB may also introduce limited-period special FD schemes with slightly higher returns. Always check the latest rates in the BOB mobile app or branch before investing.<\/p>\n\n\n\n

Key Features of Bank of Baroda Fixed Deposits<\/h1>\n\n\n\n

1. Flexible Tenure Options<\/h3>\n\n\n\n

Choose tenure from 7 days up to 10 years.<\/p>\n\n\n\n

2. Guaranteed Returns<\/h3>\n\n\n\n

Interest rate remains fixed throughout the tenure.<\/p>\n\n\n\n

3. Multiple Interest Payout Options<\/h3>\n\n\n\n
    \n
  • Cumulative FD (interest paid at maturity)<\/li>\n\n\n\n
  • Non-cumulative FD (monthly\/quarterly income)<\/li>\n<\/ul>\n\n\n\n

    4. Loan or Overdraft Against FD<\/h3>\n\n\n\n

    Avail up to 80\u201390% of the FD amount as a loan.<\/p>\n\n\n\n

    5. Premature Withdrawal Facility<\/h3>\n\n\n\n

    Allowed with applicable penalty.<\/p>\n\n\n\n

    6. Auto-Renewal Option<\/h3>\n\n\n\n

    FD can automatically renew at maturity.<\/p>\n\n\n\n

    Types of BOB FD Schemes<\/h1>\n\n\n\n

    Bank of Baroda offers:<\/p>\n\n\n\n

      \n
    • Regular Fixed Deposit<\/li>\n\n\n\n
    • Tax Saver FD (5-year lock-in)<\/li>\n\n\n\n
    • Senior Citizen FD<\/li>\n\n\n\n
    • NRE\/NRO Fixed Deposits (for eligible NRIs)<\/li>\n\n\n\n
    • Special Tenure FD Schemes (if available)<\/li>\n<\/ul>\n\n\n\n

      BOB Tax Saver FD 2026<\/h1>\n\n\n\n

      For tax planning purposes:<\/p>\n\n\n\n

        \n
      • Lock-in period: 5 years<\/li>\n\n\n\n
      • Eligible under Section 80C (up to \u20b91.5 lakh)<\/li>\n\n\n\n
      • Premature withdrawal not allowed<\/li>\n\n\n\n
      • Interest earned is taxable<\/li>\n<\/ul>\n\n\n\n

        This option is suitable for salaried individuals planning year-end tax savings.<\/p>\n\n\n\n

        Eligibility Criteria<\/h1>\n\n\n\n

        You can open a BOB FD if you are:<\/p>\n\n\n\n

          \n
        • Resident Indian (18+ years)<\/li>\n\n\n\n
        • Senior citizen (60+ years)<\/li>\n\n\n\n
        • Minor (through guardian)<\/li>\n\n\n\n
        • Joint account holders<\/li>\n\n\n\n
        • HUF, firms, or companies (as per bank rules)<\/li>\n<\/ul>\n\n\n\n

          NRIs can open NRE\/NRO FDs subject to eligibility norms.<\/p>\n\n\n\n

          How to Open BOB FD (Step-by-Step)<\/h1>\n\n\n\n

          Option 1: Online via BOB Net Banking \/ App<\/h2>\n\n\n\n
            \n
          1. Login to BOB net banking or mobile app<\/li>\n\n\n\n
          2. Select \u201cOpen Fixed Deposit\u201d<\/li>\n\n\n\n
          3. Enter deposit amount<\/li>\n\n\n\n
          4. Choose tenure<\/li>\n\n\n\n
          5. Select payout option<\/li>\n\n\n\n
          6. Confirm and submit<\/li>\n<\/ol>\n\n\n\n

            FD advice is generated instantly.<\/p>\n\n\n\n

            Option 2: Visit BOB Branch<\/h2>\n\n\n\n
              \n
            • Fill FD application form<\/li>\n\n\n\n
            • Submit KYC documents (Aadhaar, PAN)<\/li>\n\n\n\n
            • Deposit cheque or transfer funds<\/li>\n\n\n\n
            • Collect FD receipt<\/li>\n<\/ul>\n\n\n\n

              Premature Withdrawal Rules<\/h1>\n\n\n\n
                \n
              • Allowed before maturity<\/li>\n\n\n\n
              • Penalty typically 0.5%\u20131% lower interest<\/li>\n\n\n\n
              • Tax Saver FD cannot be withdrawn before 5 years<\/li>\n<\/ul>\n\n\n\n

                Penalty rules may vary, so confirm before closing the FD.<\/p>\n\n\n\n

                Taxation on BOB FD Interest<\/h1>\n\n\n\n

                Important tax details for 2026:<\/p>\n\n\n\n

                  \n
                • Interest earned is fully taxable<\/li>\n\n\n\n
                • TDS applicable if interest exceeds prescribed limit<\/li>\n\n\n\n
                • Senior citizens have higher TDS threshold<\/li>\n\n\n\n
                • Submit Form 15G\/15H (if eligible) to avoid TDS<\/li>\n<\/ul>\n\n\n\n

                  Always declare FD interest in your Income Tax Return (ITR).<\/p>\n\n\n\n

                  Who Should Invest in BOB FD?<\/h1>\n\n\n\n

                  BOB FD is suitable for:<\/p>\n\n\n\n

                  \u2714 Risk-averse investors
                  \u2714 Senior citizens seeking regular income
                  \u2714 Individuals planning tax-saving investments
                  \u2714 Short-term and medium-term savers<\/p>\n\n\n\n

                  It may not suit investors looking for high, market-linked returns.<\/p>\n\n\n\n

                  FAQs \u2013 BOB FD Interest Rates 2026<\/h1>\n\n\n
                  \n
                  \n
                  \n

                  1. What is the highest BOB FD interest rate in 2026?<\/h3>\n
                  \n\n

                  A. Special tenures (like 399 days, if available) often offer higher returns. Check the BOB app for latest updates.<\/p>\n\n<\/div>\n<\/div>\n

                  \n

                  2. Is Bank of Baroda FD safe?<\/h3>\n
                  \n\n

                  A. Yes. Bank of Baroda is a public sector bank regulated by RBI.<\/p>\n\n<\/div>\n<\/div>\n

                  \n

                  3. Can I break BOB FD before maturity?<\/h3>\n
                  \n\n

                  A. Yes, except Tax Saver FD. Penalty may apply.<\/p>\n\n<\/div>\n<\/div>\n

                  \n

                  4. What is the minimum deposit amount?<\/h3>\n
                  \n\n

                  A. Typically \u20b91,000.<\/p>\n\n<\/div>\n<\/div>\n

                  \n

                  5. Does BOB offer monthly interest payout?<\/h3>\n
                  \n\n

                  A. Yes, under non-cumulative FD option.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

                  <\/p>\n\n\n\n

                  Troubleshooting & Common Issues<\/h1>\n\n\n\n

                  FD Not Visible in Account?<\/h3>\n\n\n\n

                  Refresh net banking or contact BOB customer care.<\/p>\n\n\n\n

                  TDS Deducted?<\/h3>\n\n\n\n

                  Check PAN update and Form 15G\/15H submission status.<\/p>\n\n\n\n

                  Auto-Renewal Not Working?<\/h3>\n\n\n\n

                  Update maturity instructions in net banking or visit branch.<\/p>\n\n\n\n

                  Security Tips Before Investing<\/h1>\n\n\n\n
                    \n
                  • Verify tenure and interest rate before confirmation<\/li>\n\n\n\n
                  • Add nominee details<\/li>\n\n\n\n
                  • Avoid sharing OTP or banking credentials<\/li>\n\n\n\n
                  • Keep FD receipt stored safely<\/li>\n\n\n\n
                  • Use official Bank of Baroda channels only<\/li>\n<\/ul>\n\n\n\n

                    Conclusion<\/h1>\n\n\n\n

                    BOB FD interest rates in 2026 remain competitive across short-term and medium-term tenures. With flexible payout options, senior citizen benefits, and the reliability of a public sector bank, Bank of Baroda Fixed Deposits continue to be a safe and practical investment option.<\/p>\n\n\n\n

                    Before investing, compare tenure-wise returns and check the latest interest rates in the BOB mobile app or branch to maximise your returns.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10575","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10575","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/banking"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=10575"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}