If you are looking for a fixed deposit with attractive returns, Bank of Baroda (BoB) has an option worth knowing about.
The state-owned bank is offering interest rates of 3.50% to 7.35% on fixed deposits of less than ₹3 crore, depending on the deposit tenure and customer category.
You can open an FD with Bank of Baroda for as little as 7 days, while the maximum tenure is 10 years.
But one particular tenure stands out.
The bank is offering attractive rates on its 444-day FD, with senior citizens getting an even higher return.
How Much Interest Will You Get on a 444-Day FD?
Bank of Baroda is offering interest rates between 6.45% and 7.05% on its 444-day fixed deposit.
Here is how the rates differ:
Customers below 60 years: 6.45% interest
Senior citizens aged 60 years and above: 6.95% interest
Super senior citizens aged 80 years and above: 7.05% interest
The maximum amount that can be deposited under this FD is ₹3 crore.
This means senior and super senior citizens can earn a higher return than regular customers by choosing the same 444-day tenure.
Senior Citizens Get an Extra Interest Benefit
Bank of Baroda provides an additional 0.50% interest to senior citizens over the rates offered to regular customers on eligible FDs.
Super senior citizens can get another 0.10% over the senior citizen rate on select tenures.
For the 444-day FD, this takes the interest rate to 6.95% for senior citizens and as high as 7.05% for super senior citizens.
Why Are FD Rates Important Right Now?
FD interest rates are closely influenced by changes in the broader interest-rate environment.
Banks regularly review their deposit rates based on factors such as their funding requirements and the RBI’s repo rate.
Bank of Baroda last revised its FD interest rates in June 2026.
For investors who prefer predictable returns and do not want to take direct market risks, an FD can offer a relatively straightforward way to earn interest over a fixed period.
However, before investing, customers should check the latest rate, applicable conditions, premature withdrawal rules and tax implications.
