A limited-period 444-day special deposit from Bank of Baroda that pays more than the regular slab. Select it in the tenure list to compute its maturity.
Bank of Baroda FD Calculator
Bank of Baroda fixed deposit maturity at current rates for every tenure, including special-tenure schemes such as bob Square Drive and the senior-citizen addition, with TDS notes.
Maturity amount
₹5,33,301
Total interest
₹33,301
Applicable rate
6.50%
1 year
TDS deducted (if PAN linked)
₹0
Interest after TDS
₹33,301
Year-wise balance
| Year | Principal | Interest earned | Value |
|---|---|---|---|
| 1 | ₹5,00,000 | ₹33,301 | ₹5,33,301 |
- Interest compounded quarterly.
- Premature withdrawal typically attracts a 0.5–1% penalty on the applicable rate.
Bank of Baroda rates as on 2026-06-15 for deposits below ₹3 crore; indicative and subject to revision by the bank. TDS applies when interest exceeds ₹50,000 a year (₹1,00,000 for senior citizens).
Bank of Baroda FD interest rates
| Tenure | General (p.a.) | Senior citizen (p.a.) |
|---|---|---|
| 7 – 45 days | 4.00% | 4.50% |
| 46 – 90 days | 5.00% | 5.50% |
| 91 – 180 days | 5.50% | 6.00% |
| 181 – 210 days | 5.75% | 6.25% |
| 211 days – < 1 year | 6.25% | 6.75% |
| 1 year | 6.50% | 7.00% |
| > 1 year – 400 days | 6.60% | 7.10% |
| > 400 days – 2 years | 6.60% | 7.10% |
| > 2 years – 3 years | 6.70% | 7.20% |
| > 3 years – 5 years | 6.50% | 7.00% |
| > 5 years – 10 years | 6.25% | 6.75% |
| bob Square Drive (444 days) | 6.85% | 7.35% |
Rates as on 2026-06-15; indicative for deposits below ₹3 crore. Verify on the bank's website before investing.
How the Bank of Baroda FD Calculator works
Bank of Baroda pays interest on fixed deposits by tenure slab. Cumulative deposits compound quarterly and pay everything at maturity; payout deposits credit simple interest to your account monthly or quarterly.
Senior citizens get an extra 0.5% p.a. on most tenures. Interest is taxable at your slab; the bank deducts 10% TDS once interest in a financial year crosses the threshold (20% without PAN), which you can avoid with Form 15G/15H if your total income is below the taxable limit.
Maturity = P × (1 + r/4)^(4 × years) (quarterly compounding)
- P
- deposit
- r
- annual rate
Worked example
- Deposit amount: ₹5,00,000
- Tenure: 1 year
- Depositor: General
- Interest: Cumulative
₹5 lakh for 1 year at 6.5% compounded quarterly matures at about ₹5,33,301. The effective yield is slightly above the card rate because of quarterly compounding.