Bank of Baroda offers attractive fixed deposit schemes tailored for senior citizens in 2025. With an additional 0.50% interest over regular rates (and extra for super seniors in some cases), these FDs provide reliable income and capital safety backed by a leading public sector bank.
Why Choose Bank of Baroda Senior Citizen FD?
Senior citizens aged 60 and above enjoy preferential rates on deposits below Rs 3 crore. The bank guarantees returns with DICGC insurance up to Rs 5 lakh per depositor. Flexible tenures from 7 days to 10 years suit various needs like regular income or long-term growth.
Current Interest Rates Overview
Rates remain competitive in late 2025, with the highest around 7.10% to 7.20% for select tenures. Special schemes like bob Square Drive (444 days) offer boosted yields. Super seniors (80+) get an extra 0.10% on certain deposits.
Key Features and Benefits
Options include monthly/quarterly payouts for steady income, auto-renewal for convenience, and loans up to 95% of FD value without breaking the deposit. Tax-saving FDs provide Section 80C benefits with higher senior rates.
Eligibility and Minimum Deposit
Resident Indians aged 60+ qualify easily with basic KYC. Minimum investment starts at Rs 1,000, making it accessible. Open online via bob World app or at branches.
| Tenure Range | Senior Citizen Interest Rate (p.a.) |
|---|---|
| 7 days to 45 days | Up to 4.50% |
| 46 days to 1 year | 5.00% to 6.50% |
| Above 1 year to 3 years | 6.75% to 7.00% |
| Above 3 years to 10 years | 6.50% to 7.00% (with extra premiums) |
| Special Scheme (e.g., 444 days) | Up to 7.10% (7.20% for super seniors) |
| Tax Saving FD (5-10 years) | Up to 7.00% |
Secure Your Future Today
Bank of Baroda Senior Citizen FD 2025 combines safety, higher returns, and flexibility amid market volatility. Ideal for pension supplements or emergency funds, these deposits ensure peace of mind.
Also read: EPF Interest Rate 2025: Government Confirms 8.25% for 7 Crore Subscribers