What Bank of Baroda pays on a fixed deposit, what it is worth in rupees after tax, and how it compares with every other provider we track. Bank of Baroda is a public sector bank; its advertised FD rate starts at 6.75% p.a.
Rate, maximum and fees
| Advertised rate | Maximum rate | Terms | Fee |
|---|---|---|---|
| 6.75% | — | 7.25% for senior citizens | 555 days (Golden Goal) |
Checked at source 2 Oct 2026 · Each bank’s own rate page or rate card, deposits below ₹3 crore
What that costs in rupees
On ₹5,00,000 for 5 years, compounded quarterly.
| Interest at 6.75% | ₹1,98,749 |
|---|---|
| After tax at the 30% slab | ₹1,36,740 |
| What you get at maturity, after tax | ₹6,36,740 |
Interest is taxed at your slab rate, so this assumes the top slab plus 4% cess. At a lower slab you keep more. TDS applies once interest crosses the annual threshold — the TDS on FD calculator shows where that line falls for you, and the FD maturity calculator will run your own amount and tenure.
How it compares
Bank of Baroda is the 6th highest of the 12 providers we track — 1.50% below Suryoday Small Finance Bank at 8.25%. The full ranking is on best FD rates.
What moves this rate
Public sector bank. Floating retail loans are priced off an external benchmark, so RBI rate cuts pass through within a reset cycle.
FD interest is taxed at your normal slab rate. There is no special treatment. So the advertised rate is a before-tax figure. At the 30% slab plus 4% cess, roughly a third of it goes in tax. The bank also cuts TDS once your interest crosses the yearly limit.
Deposit insurance matters more than the last few decimal points of rate. DICGC covers ₹5 lakh per person per bank, including interest. Anything above that in one bank is uninsured, however good the rate looks. Splitting money across banks keeps every rupee covered.
Bank of Baroda fixed deposit in detail
- Bank of Baroda fixed deposit interest rate — rates for regular and senior citizens, and what you keep after tax.
Other Bank of Baroda products
- Home loan — from 7.20%
Related reading
Bank of Baroda Home Loan
What Bank of Baroda charges for a home loan, what it costs in rupees, and how it compares with every other provider we track.
17 Sep 2026 · 3 min