Bank of Baroda FD Calculator

Enter your deposit amount, an interest rate (prefilled with Bank of Baroda's indicative FD midpoint of 5.4%), and a tenure. The calculator projects maturity value and interest earned using illustrative quarterly compounding, the way most Indian bank FDs accrue.

As of recent public data (August 2026), Bank of Baroda FD rates typically range 3.50%-7.30% p.a. for general depositors and 4.00%-7.80% p.a. for senior citizens across common tenures. These are indicative ranges, not live quotes-verify the exact rate for your tenure on the bank's official website before investing.

Like most Indian banks, Bank of Baroda generally compounds fixed-deposit interest quarterly and pays it either at maturity (cumulative FD) or as periodic payouts (non-cumulative FD). The exact compounding and payout rules are printed in the deposit receipt and the bank's official rate card.

Yes. Under Section 194A, banks deduct TDS once your total interest across deposits with the bank crosses the threshold notified for the financial year (a higher threshold applies to senior citizens). If your total income is below the taxable limit, you can submit Form 15G (or 15H for senior citizens) to avoid the deduction.

Premature withdrawal is usually allowed, but banks typically pay a rate lower than the contracted rate (commonly a penalty of around 0.5%-1% for the tenure actually completed). Some special or tax-saver FDs do not allow premature withdrawal at all-check the deposit terms first.

Yes, most banks including Bank of Baroda offer senior citizens (60+) an additional rate, typically around 0.50% over the general card rate on common tenures. The indicative senior range here is 4.00%-7.80% p.a.-confirm the exact premium on the bank's official site.

Deposits with all scheduled commercial banks in India are insured by DICGC up to ₹5 lakh per depositor per bank (principal plus interest combined). Amounts above the limit rely on the bank's own financial strength.

Existing customers can open an FD instantly via net banking or the bank's mobile app; new customers can visit a branch with KYC documents (PAN, Aadhaar, address proof). Compare the maturity math here first, then confirm the live rate card before booking.