{"id":8234,"date":"2025-08-12T06:41:44","date_gmt":"2025-08-12T06:41:44","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&#038;p=8234"},"modified":"2025-08-12T06:41:44","modified_gmt":"2025-08-12T06:41:44","slug":"bank-of-india-fd-interest-rates-2025-latest-bank-of-india-fixed-deposit-rates","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/bank-of-india-fd-interest-rates-2025-latest-bank-of-india-fixed-deposit-rates\/","title":{"rendered":"Bank of India FD Interest Rates 2025 &#8211; Latest Bank of India Fixed Deposit Rates"},"content":{"rendered":"\n<p><strong>Bank of India Fixed Deposits<\/strong> remain a popular low-risk savings option for conservative investors. In 2025, Bank of India is offering competitive fixed deposit interest rates across various tenures. The bank\u2019s FDs are covered by the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to \u20b95 lakh, making them a secure choice. The table below summarises the approximate interest rate ranges for different tenures and depositor categories.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Tenure (approx)<\/th><th>General rate (p.a.)<\/th><th>Senior citizen rate (p.a.)<\/th><\/tr><\/thead><tbody><tr><td>Short term (7 days\u201312 months)<\/td><td>about 3%<\/td><td>about 3.5%<\/td><\/tr><tr><td>1\u20133 years<\/td><td>about 3%-7%<\/td><td>about 3.5%-7.5%<\/td><\/tr><tr><td>3\u20135 years<\/td><td>about 3%-7%<\/td><td>about 3.5%-7.5%<\/td><\/tr><tr><td>5\u201310 years<\/td><td>7%<\/td><td>7.5%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 id='key-features-and-benefits'  id=\"boomdevs_1\" class=\"wp-block-heading\"><strong>Key features and benefits<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Flexible tenures:<\/strong> Invest from 7 days up to 10 years depending on your needs.<\/li>\n\n\n\n<li><strong>Additional interest for seniors:<\/strong> Senior citizens usually earn 0.25\u20130.50 percentage points more than general depositors.<\/li>\n\n\n\n<li><strong>Minimum deposit:<\/strong> Typically starts at \u20b91,000 or \u20b95,000; some banks may require higher amounts for certain tenures.<\/li>\n\n\n\n<li><strong>Premature withdrawal:<\/strong> Allowed after a minimum lock-in, but a small penalty may apply.<\/li>\n\n\n\n<li><strong>Loan\/overdraft facility:<\/strong> You can usually borrow up to 90% of the FD value without breaking it.<\/li>\n<\/ul>\n\n\n\n<h2 id='eligibility-and-documentation'  id=\"boomdevs_2\" class=\"wp-block-heading\"><strong>Eligibility and documentation<\/strong><\/h2>\n\n\n\n<p>Indian residents, senior citizens, NRIs (for NRE\/NRO deposits) and minors (through guardians) are eligible. You\u2019ll need proof of identity and address such as PAN, Aadhaar and a passport-size photograph.<\/p>\n\n\n\n<p>Bank of India may revise interest rates periodically, so always check the bank\u2019s official website for the most up-to-date figures. Investors should also compare FDs across banks to maximise returns.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-8234","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/8234","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=8234"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}