The bank offers a variety of fixed deposit accounts aimed at helping its customer build on their savings. The fixed deposit account comes at an attractive rate of interest along with flexible tenures. The bank has ensured that even NRIs can apply for Bank of Baroda fixed deposit. The bank offers special rates of interest for fixed deposit accounts for NRIs.
Names of Bank of Baroda (BOB) NRI Deposits
- Foreign Currency Non to Resident (Bank) Deposit scheme (FCNR(B))
- Non to Resident Ordinary (NRO) Fixed Deposit scheme
- Non to Resident External (NRE) Term Deposit scheme
NRE Term Deposit Rates Less Than Rs.2 Crore
| Maturity band | Interest Rates |
| 12 months | 5.00% |
| Above 12 months to 400 days | 5.20% |
| 401 days to 24 months | 5.20% |
| Above 24 months to 36 months | 5.20% |
| Above 3 years up to 10 years | 5.35% |
*The BOB NRE Deposit rates are subject to change at the discretion of the bank. These interest rates are valid as of 1 July 2022.
NRE Term Deposit Rates Rs.2 Crore Up to Rs.10 Crore
| Maturity band | Interest Rates |
| 12 months | 4.00% |
| Above 12 months to 24 months | 4.00% |
| 2 years up to 3 years | 4.00% |
| 3 years up to 5 years | 4.00% |
| 5 years up to 10 years | 4.00% |
*The BOB NRE Deposit rates are subject to change at the discretion of the bank. These interest rates are valid as of 1 July 2022.
NRE FD interest Rates: Rs.10 Crore to Rs.50 Crores
| Tenure bracket | Above Rs.10 crore to Rs.25 crores | Above Rs.25 crore to Rs.50 crores |
| 12 months | 3.55% | 3.55% |
| Above 12 months to 24 months | 3.25% | 3.25% |
| Above 24 months to 36 months | 4.10% | 4.10% |
*The BOB NRE Fixed Deposit interest rates are subject to change at the discretion of the bank. The interest rates mentioned in this table are valid as of 1 July 2022.
NRE Deposit Rates: Above Rs.50 Crore
| Tenure bracket | Regular FD rates (per annum) | Senior Citizens FD rates (per annum) |
| 12 months | 3.55% | N/A |
*The BOB NRE Fixed Deposit interest rates are subject to change at the discretion of the bank. The interest rates mentioned in this table are valid as of 1 July 2022.
NRO Fixed Deposit Rates Below Rs.2 Crore
| Tenure bracket | Regular FD rates (per annum) | Senior Citizens FD rates (per annum) |
| 7 days to 45 days | 2.75% | N/A |
| 46 days to 180 days | 2.75% | N/A |
| 181 days to 270 days | 2.90% | N/A |
| A271 days to less than 1 year | 3.05% | N/A |
| 1 year | 4.90% | N/A |
| Above 1 year to 2 years | 5.00% | N/A |
| Above 2 years to 3 years | 5.10% | N/A |
| Above 3 years up to 10 years | 5.25% | N/A |
*TThe BOB NRO Term Deposit rates are subject to change at the discretion of the bank. The interest rates mentioned in this table are valid as of 1 July 2022.
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BOB FCNR(B) Fixed Deposit Rates
| Maturity Period | USD | GBP | EUR | AUD |
| 1 Yr. to less than 2 yrs. | 3.25(3.25) | 2.10(2.10) | 0.01(0.01) | 0.70(0.70) |
| 2 Yrs. to less than 3 yrs. | 2.80(2.80) | 2.15(2.15) | 0.01(0.01) | 1.20(1.20) |
| 3 Yrs. to less than 4 yrs. | 2.70(2.70) | 2.25(2.25) | 0.01(0.01) | 1.55(1.55) |
| 4 Yrs. to less than 5 yrs | 2.40(2.40) | 2.25(2.25) | 0.10(0.10) | 1.80(1.80) |
| 5 Years | 2.50(2.50) | 2.25(2.25) | 0.15(0.15) | 1.95(1.95) |
*The BOB FCNR (B) Term Deposit interest rates are subject to change at the discretion of the bank. The interest rates mentioned in this table are valid as from 15 March 2021.
Highlights of BOB NRI Deposit Interest Rates
- Highest BOB NRO FD rate Below Rs.2 Crore: 5.25% p.a. (3 years to 10 years)
- NRO FD interest rates available Below Rs.2 Crore: 2.80% p.a. to 5.25% p.a.
- Maximum BOB NRE Deposit rate Below Rs.2 Crore: 5.25% p.a. (3 years to 10 years)
- Range of NRE FD rates available Below Rs.2 Crore: 4.90% p.a. to 5.25% p.a.
- Highest FCNR (B) FD interest rates:
- Euro (EUR): 0.11% p.a. (for 5 years)
- US Dollar (USD): 1.22% p.a. (for 5 years).
- Pound Sterling (GBP): 0.96% p.a. (for 5 years)
- Australian Dollar (AUD): 1.02% p.a. (for 5 years)