Bank of Baroda FD interest rates for 1, 2, 3 and 5 years
Last checked 3 November 2026. Rate card from 12 June 2026. Deposits below ₹3 crore.
Bank of Baroda pays its best rate among these terms on 5 years: 6.30%, or 6.90% for senior citizens. That ranks 17th of 33 banks we track for 5 years. On a 2-year deposit it pays less than SBI (6.40%).
Bank of Baroda FD rates by term
| Term | Rate | Senior rate | ₹5 lakh becomes | Rank |
|---|---|---|---|---|
| 1 year Slab: 1 year | 6.25% | 6.75% | ₹5,31,990 | 19th of 33 |
| 2 years Slab: Above 400 days and up to 2 years | 6.25% | 6.75% | ₹5,66,027 | 24th of 33 |
| 3 years Slab: Above 2 years and up to 3 years | 6.25% | 6.75% | ₹6,02,241 | 22nd of 33 |
| 5 years Slab: Above 3 years and up to 5 years | 6.30% | 6.90% | ₹6,83,450 | 17th of 33 |
Interest compounds every quarter and is paid at maturity, before tax. Source: Bank of Baroda deposit rates. Each rate is the slab that contains that exact term.
How Bank of Baroda compares
- 1 year: the highest rate we track is Ujjivan Small Finance Bank at 7.25%, 1.00 percentage points more. On ₹5 lakh that is ₹5,257 extra.
- 2 years: the highest rate we track is ESAF Small Finance Bank at 7.75%, 1.50 percentage points more. On ₹5 lakh that is ₹16,937 extra.
- 3 years: the highest rate we track is Jana Small Finance Bank at 8.00%, 1.75 percentage points more. On ₹5 lakh that is ₹31,880 extra.
- 5 years: the highest rate we track is Jana Small Finance Bank at 7.77%, 1.47 percentage points more. On ₹5 lakh that is ₹51,192 extra.
Similar banks: Canara Bank (6.25% for 2 years), Central Bank of India (6.25% for 2 years), Punjab National Bank (6.30% for 2 years), Union Bank of India (6.15% for 2 years).
Amounts at Bank of Baroda
- ₹1 lakh for 5 years at 6.30% becomes ₹1,36,690.
- ₹10 lakh for 5 years at 6.30% becomes ₹13,66,900.
Questions people ask
What is the Bank of Baroda FD rate for 1 year?
Bank of Baroda pays 6.25% a year on a 1-year deposit below ₹3 crore (6.75% for senior citizens). ₹5 lakh grows to ₹5,31,990. The slab is "1 year".
What is the Bank of Baroda FD rate for 2 years?
Bank of Baroda pays 6.25% a year on a 2-year deposit below ₹3 crore (6.75% for senior citizens). ₹5 lakh grows to ₹5,66,027. The slab is "Above 400 days and up to 2 years".
What is the Bank of Baroda FD rate for 3 years?
Bank of Baroda pays 6.25% a year on a 3-year deposit below ₹3 crore (6.75% for senior citizens). ₹5 lakh grows to ₹6,02,241. The slab is "Above 2 years and up to 3 years".
What is the Bank of Baroda FD rate for 5 years?
Bank of Baroda pays 6.30% a year on a 5-year deposit below ₹3 crore (6.90% for senior citizens). ₹5 lakh grows to ₹6,83,450. The slab is "Above 3 years and up to 5 years".
Is money in a Bank of Baroda FD safe?
Bank of Baroda is a public sector bank. DICGC insures deposits up to ₹5 lakh per depositor per bank, principal and interest together.
More FD rate pages
1-year FD rates · 2-year FD rates · 3-year FD rates · 5-year FD rates · Senior citizen FD rates · Tax-saver FD rates · All FD rate pages · Post office FD rates · SCSS interest rate