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Live rates Repo rate 5.50% USD/INR ₹96.73 Gold 24K (10g) ₹1,49,430 All rates
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Bank of Baroda Interest Rates Today — August 2026

Bank of Baroda rates, fees and ratings across the 2 products we hold a dated rate for.

Credsir Editorial Team · MBA · 14 years in fintech
Updated 2 Oct 2026

Our review of Bank of Baroda: 2 products rated against every other provider we track, with the rates, the fees and what they cost you in rupees.

Founded 1908
Headquarters Vadodara
Type PSU Bank
Official site www.bankofbaroda.com
Credsir rating 3.3/5, across 2 products rated

Best for: borrowers taking a home loan — Bank of Baroda advertises the lowest rate of the 12 lenders we track.

What it does well

  • Lowest advertised home loan rate of the 12 lenders we track, at 7.2%.

Where it falls short

  • Pays 1.50 points less on a fixed deposit than Suryoday Small Finance Bank, the best payer we track — #6 of 12.

Bank of Baroda products, rated

We score each product against every other provider we track for it. The same formula runs on every bank on this site, and we publish it in full.

Home loan — 4.5/5

Rate from 7.20% (starting rate)
Maximum rate 9.40%
Terms Repo-linked (EBLR)
Fee Up to 0.5%, often waived

Rated 4.5 out of 5 on our published formula. The full working is on the Bank of Baroda home loan page, and the same rate sits in context on our home loan interest rates table.

Fixed deposit — 2.1/5

Rate up to 6.75% (regular customer)
Terms 7.25% for senior citizens
Fee 555 days (Golden Goal)
Our ranking #6 of 12 providers we track

Rated 2.1 out of 5 on our published formula. How it compares: the best-paying provider we track for this product is Suryoday Small Finance Bank at 8.25%, 1.50 percentage points better. The best FD rates table shows where the other ten sit.

Rates and fees

Product Advertised rate Maximum rate Terms Fee
Home loan 7.20% 9.40% Repo-linked (EBLR) Up to 0.5%, often waived
Fixed deposit 6.75% — 7.25% for senior citizens 555 days (Golden Goal)

Updated 15 Aug 2026 · Bank of Baroda’s rate cards and published comparisons, across 2 products

How we rated this bank

We take no money for ratings, and no bank can influence one. Every score above is simple maths on a dated rate table. Change the table and the score moves by itself. The full method is published.

Products rated 2 — every product we hold a dated rate for at Bank of Baroda, each one scored on its own
Competitor rates compared 24 — we score each product against every other provider we track for it
Paid for this rating ₹0 — no bank can buy, change or even see a Credsir score before you do

Terms change without notice. Confirm the current figures with Bank of Baroda before you act.

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