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BoB Fixed Deposit: Invest ₹1 Lakh in Bank of Baroda FD – See How Much You’ll Get After 5 Years

Vikram Singh
By Vikram Singh
2 min read
Published: 28 Feb 2026
BoB Fixed Deposit: Invest ₹1 Lakh in Bank of Baroda FD – See How Much You’ll Get After 5 Years
Bank of Baroda Fixed Deposit Returns: If you’re looking for a safe investment with excellent returns, the FD schemes offered by public sector giant Bank of Baroda (BoB) could be a great opportunity. Bank of Baroda offers its customers fixed deposits ranging from 7 days to 10 years, with interest rates ranging from 3.50% to 7.05%. In particular, the bank’s long-term FD of 5 years is now offering such impressive interest rates that you can earn over 41,000 rupees by depositing just ₹1 lakh.

444 Days Scheme

Bank of Baroda Home Loan
Bank of Baroda Home Loan
Bank of Baroda has created a stir in the market with its ‘Bob 444 Days Special Deposit Scheme.’ This scheme is ideal for those looking to invest for the medium term. However, if your goal is long-term security and tax savings, the bank’s 5-year FD (Tax Saving FD) is the most beneficial. On 5-year FDs, the bank offers interest rates of 6.30% for general citizens, 6.90% for senior citizens, and 7.00% for super senior citizens (above 80 years). These rates are not only safe but also quite attractive compared to other government investments.

How much will you earn on an investment of ₹100,000

According to Bank of Baroda’s calculations, if you are a super senior citizen and make an FD of ₹1 lakh for 5 years, at an annual rate of 7%, you will receive a total of ₹141,478 upon maturity. This means you have earned a net profit of ₹41,478 without any risk. For senior citizens, this income will be ₹40,784, which could prove to be a substantial additional income after retirement. The interest rate of ₹36,690 is quite satisfactory even for ordinary citizens, as it offers 100% government guarantee of capital protection.
Bank of Baroda FD

Other Features of BoB FD

Opening an FD with Bank of Baroda has now become extremely easy and digital. You can start your investment from home in just 5 minutes using the bank’s ‘bob World’ app. Additionally, you also get loan and overdraft facilities on FDs, so you don’t have to break your FD in case of an emergency. The bank’s special 444-day scheme also offers interest rates of up to 6.45% for ordinary citizens. If you want to protect your savings from inflation and ensure your money grows safely, these schemes from Bank of Baroda offer a solid option.
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