Estimate Bank of Baroda fixed deposit maturity value and interest with Digifinn’s free FD calculator. Enter amount, tenure, and rate to plan your returns.
Interest Payout
TOTAL MATURITY VALUE
₹ 30,504.75
Invested amount
₹ 25,000.00
Est. Returns
₹ 5,504.75
A Bank of Baroda fixed deposit lets you place a sum with the bank for a chosen tenure at a stated interest rate. At maturity, the bank is scheduled to return the principal along with accrued interest as per the deposit terms — subject to the bank’s rules, TDS, and applicable risks.
Digifinn’s Bank of Baroda (BOB) FD Calculator helps estimate interest and maturity value from the amount, tenure, and rate you enter. Results are illustrative planning estimates only. Always confirm current BOB FD rates and product terms on Bank of Baroda’s official channels before investing.
Investors often want a clear estimate of the interest and maturity amount they may receive for a given principal, rate, and tenure. Digifinn’s BOB FD Calculator is designed to answer that planning question quickly — so you can compare scenarios before you decide.
You can calculate FD maturity manually, but doing so with compounding and multiple variables is time-consuming and easy to get wrong. An online calculator gives a quick estimate so you can plan short- and longer-term goals more efficiently.
Bank of Baroda offers several FD options. Before placing a deposit, review the tenures and rates available for your amount slab and customer category. Digifinn’s free BOB FD Calculator can help you estimate interest and maturity once you know the rate you want to model.
Enter the required inputs and review the estimated interest and maturity figures instantly. Digifinn’s tool uses its own estimation method (quarterly compounding for on-maturity payout; simple interest for monthly/quarterly payout) — treat outputs as planning aids, not bank-confirmed figures.
The rates below are published for educational illustration based on publicly shared Bank of Baroda tenure slabs. They may be outdated and are not Digifinn’s rates. Verify the latest BOB FD rates on the bank’s official channels before investing.
| Tenure | Interest rates for general citizens (p.a.) | Interest rates for senior citizens (p.a.) |
|---|---|---|
| 7 days to 14 days | 3.50% | 4.00% |
| 15 days to 45 days | 3.50% | 4.00% |
| 46 days to 90 days | 5.00% | 5.50% |
| 91 days to 180 days | 5.00% | 5.50% |
| 181 days to 210 days | 5.50% | 6.00% |
| 211 days to 270 days | 5.75% | 6.25% |
| 271 days & above and less than 1 year | 6.00% | 6.50% |
| 1 year | 6.25% | 6.75% |
| Above 1 year to 400 days | 6.50% | 7.00% |
| Above 400 days and up to 2 years | 6.50% | 7.00% |
| Above 2 years and up to 3 years | 6.50% | 7.00% |
| Above 3 years and up to 5 years | 6.40% | 7.00% |
| Above 5 years and up to 10 years | 6.00% | 7.00% |
| Above 10 years (MACAD scheme only) | 5.50% | 6.00% |
| BOB Square Drive Deposit Scheme (444 Days) | 6.60% | 7.10% |
Illustrative only. Large-deposit slabs change frequently. Confirm current Bank of Baroda rates for your deposit amount and customer category before investing.
| Tenure | Interest rates for general citizens (p.a.) | Interest rates for senior citizens (p.a.) |
|---|---|---|
| 7 days to 14 days | 3.50% | 3.50% |
| 15 days to 45 days | 5.35% | 5.35% |
| 46 days to 90 days | 4.25% | 4.25% |
| 91 days to 180 days | 4.75% | 4.75% |
| 181 days to 210 days | 5.50% | 5.50% |
| 211 days to 270 days | 5.50% | 5.50% |
| 271 days to less than 1 year | 5.75% | 5.75% |
| 1 year | 6.25% | 6.75% |
| Above 1 year to 15 months | 6.00% | 6.00% |
| Above 15 months to 2 years | 6.00% | 6.00% |
| Above 2 years to 3 years | 5.50% | 5.50% |
| Above 3 years to 5 years | 5.00% | 5.00% |
| Above 5 years and up to 10 years | 4.50% | 4.50% |
A bank FD is a deposit with a stated interest rate and tenure under the bank’s terms. Bonds are tradable debt securities whose returns can vary with market prices, credit quality, and coupon structure. Neither should be treated as guaranteed.
Bonds can sometimes offer higher yields than bank FDs, but they also carry market and credit risks. FDs typically provide more predictable interest estimates if held to maturity, subject to the bank’s terms. Compare risk, liquidity, and after-tax outcomes before deciding.
Yes — you can open bank FDs through Bank of Baroda (or other banks) and explore bonds on Digifinn or other platforms. Processes, eligibility, and KYC requirements differ by product.
Bank FDs typically have a rate fixed at booking for the chosen tenure (unless the product is floating-rate). Some bonds have fixed coupons; others may be floating or market-linked. Always check the specific product terms.
Some investors prefer bank FDs when they want relatively predictable interest estimates for a set tenure. Bonds may offer higher yields but carry market and credit risks. Choose based on your risk appetite, liquidity needs, and tax situation — and review offer documents carefully.
