Public sector lender Bank of Baroda has updated its fixed deposit interest rates for domestic retail term deposits valued below ₹3 crore. The revised interest rates took effect on November 12, 2026, offering improved returns across select tenures. The most prominent upward revision applies to the bank's specialized 555-day deposit tenure, marketed as the bob Golden Goal Deposit Scheme, benefiting general depositors as well as senior and super senior citizens who lock in funds for this specific timeframe.
Yield Rises on 555-Day bob Golden Goal Scheme
Under the revised structure, Bank of Baroda has introduced a 10-basis-point increase, equivalent to 0.10 percent, on its 555-day fixed deposit tenure. The revised annualized yields across various depositor categories stand as follows
- General Depositors: The interest rate moves upward from 6.75 percent to 6.85 percent per annum.
- Senior Citizens: Depositors aged 60 and above now receive 7.35 percent annually, up from the prior 7.25 percent.
- Super Senior Citizens: Individuals aged 80 and above secure a return of 7.45 percent per year, an enhancement from the earlier 7.35 percent level.
Status of 444-Day Tenure and Standard Maturity Slabs
The bank has kept interest rates steady on another flagship offering, the 444-day bob Square Drive Deposit Scheme. For this maturity basket, general retail investors will continue to receive 6.45 percent, senior citizens earn 6.95 percent, and super senior citizens are entitled to 7.05 percent per annum.
Across other standard tenures, Bank of Baroda's rate card shows clear slabs based on investment horizons. For short-term allocations spanning 7 to 14 days and 15 to 45 days, the bank offers 3.50 percent for regular savers and 4.00 percent for senior and super senior categories. Balances held between 46 to 90 days and 91 to 180 days yield 5.00 percent for the general public and 5.50 percent for older age groups.
For medium-term placements, the rate is fixed at 5.50 percent for regular customers and 6.00 percent for senior citizens on tenures ranging from 181 to 210 days. Deposits locked between 211 and 270 days generate 5.75 percent for general accounts and 6.25 percent for seniors. Funds deposited for 271 days to less than one year carry 6.00 percent for standard accounts and 6.50 percent for senior customers.
For one-year deposits, standard accounts earn 6.25 percent while senior depositors get 6.75 percent. The slabs covering one year to 400 days, 400 days to two years, and two years one day up to three years pay 6.25 percent to regular investors, 6.75 percent to seniors, and 6.85 percent to super seniors. For terms between three years one day and five years, the yields are set at 6.30 percent, 6.90 percent, and 7.00 percent across the three respective groups. On long-term deposits running from five years one day up to ten years, standard customers receive 6.00 percent, whereas both senior and super senior savers earn 7.00 percent.
Rules for Senior and Super Senior Depositors
Bank of Baroda applies a structured premium for elderly depositors based on deposit duration. Citizens aged 60 and over receive an additional 0.50 percent on tenures up to three years, 0.60 percent extra on maturities between three and five years, and a 1.00 percent premium on terms stretching from five to ten years. Super senior citizens over the age of 80 receive an additional 0.10 percent above regular senior citizen rates on tenures between one and five years, which includes both the 444-day and 555-day special deposit schemes. These newly notified rates apply strictly to fresh retail deposits and existing accounts coming up for renewal.
