Bank of Baroda Lifts Interest Rates on 555-Day Special Fixed Deposit Scheme Bank of Baroda has revised retail term deposit interest rates on deposits under ₹3 crore, offering a 0.10% increase on its 555-day special fixed deposit tenure. 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. What this means for you Retail depositors and conservative savers holding accounts with Bank of Baroda can secure improved yields on their new medium-term fixed deposits. • Enhanced Returns: Investors locking funds into the 555-day scheme earn up to 6.85 percent for general accounts and 7.35 percent for senior accounts. This yields higher total payout figures upon final deposit maturity. • Premium for Super Seniors: Individuals over 80 years old now access a 7.45 percent annual rate on this specific duration. Elderly individuals relying on safe income streams can benefit from reallocating liquid funds here. • Scope of Changes: The adjusted interest structure applies only to fresh term deposits and upcoming renewals beneath the ₹3 crore threshold. Existing fixed deposits booked prior to this revision will continue at their contracted rates until maturity. • Unchanged Slabs: Because rates for the 444-day scheme and shorter durations remain stable, savers must evaluate timelines carefully before locking capital. Comparing yields across adjacent tenure brackets ensures maximum returns. Why this happened Bank of Baroda altered its deposit pricing to attract domestic retail capital and manage asset-liability balances across specific maturity windows. • Retail Liquidity Mobilization: Lenders frequently offer elevated interest rates on bespoke tenures like 555 days to secure sticky retail funds. These special deposit schemes provide banks with steady liquidity without needing to raise rates across all tenures. • Senior Citizen Incentives: Banks provide tiered premiums to senior and super senior citizens to encourage higher balance commitments. The extra spread allows retirees to combat inflation while delivering a stable depositor base to the institution. • Targeted Cost Management: Adjusting a single tenor by 10 basis points rather than executing an across-the-board hike limits the lender's overall cost of funds. This targeted approach balances loan margin preservation with competitive retail deposit acquisition. Questions & Answers 1. When did the revised Bank of Baroda fixed deposit rates come into effect? The updated fixed deposit rates took effect starting November 12, 2026. 2. What return do general citizens get on the 555-day bob Golden Goal scheme? General category depositors now receive an interest rate of 6.85 percent per annum on this tenure. 3. What are the rates for senior and super senior citizens on the 555-day deposit? Senior citizens earn 7.35 percent, while super senior citizens aged over 80 receive 7.45 percent per annum. 4. Have interest rates changed on the 444-day deposit tenure? No, the 444-day bob Square Drive scheme remains unchanged, offering 6.45 percent to general depositors. 5. What deposit amount threshold do these revised rates apply to? The new rates apply to domestic retail fixed deposits of less than ₹3 crore for fresh bookings and renewals. https://trendkia.com/en/money/bank-of-baroda-ki-555-dinon-vali-khasa-savadhi-jama-yojana-para-aba-milega-jyada-byaja-59604 TrendKia — Har trend, sabse pehle.