# Bank of Baroda Offers Attractive Fixed Deposit Rates With Extra Yields for Senior Citizens on 400-Day Tenure > Bank of Baroda provides fixed deposit interest rates spanning 3.50 percent to 7.35 percent across tenures, offering up to 6.85 percent on its 400-day deposit scheme. **Type:** article · **Category:** Money · **Published:** 2026-09-21 · **Source:** TrendKia **Canonical:** https://trendkia.com/en/money/savadhi-jama-para-bank-of-baroda-de-raha-akarshaka-ritarna-400-dinon-ki-yojana-men-varishtha-nagarikon-ko-atirikta-labha-35985 · **Language:** English **Tags:** Bank of Baroda, Fixed Deposit, FD Interest Rates, Senior Citizens, Personal Finance, Banking News Public sector lender Bank of Baroda is offering competitive returns on its fixed deposit schemes for retail depositors. Catering to individuals seeking guaranteed income and capital safety, the bank provides term deposit options with interest rates spanning from 3.50 percent to 7.35 percent depending on the chosen duration. ## Minimum and Maximum Deposit Tenures Bank of Baroda provides substantial flexibility regarding how long funds can remain deposited. Customers looking for short-term parking of funds can open a fixed deposit account for a minimum tenure of just 7 days. On the other end of the spectrum, long-term planners can lock in their capital for a maximum tenure of up to 10 years. This broad spectrum allows retail investors to align deposits with their personal savings goals and liquidity requirements. ## Interest Rates for the 400-Day Tenure Among medium-term options, the 400-day fixed deposit remains a notable bracket. Bank of Baroda offers annual returns ranging between 6.25 percent and 6.85 percent on this specific 400-day term, categorized according to the depositor's age group. ## The return structure across investor categories includes - General citizens aged up to 59 years earn an interest rate of 6.25 percent on 400-day deposits. - Senior citizens aged 60 years and above receive an elevated interest rate of 6.75 percent for the same 400-day term. - Super senior citizens aged 80 years and above are granted a peak interest rate of 6.85 percent on this tenure. Under this specific 400-day scheme, the bank has stipulated an upper investment ceiling, allowing customers to deposit an amount of up to 3 crore rupees. ## Preferential Margins for Senior and Super Senior Depositors Bank of Baroda incorporates structured premium margins to assist elderly depositors in earning higher yields on their savings. Senior citizens enjoy an additional interest spread of 0.50 percent across fixed deposit tenures compared to rates offered to general individuals. Furthermore, super senior citizens qualify for an additional premium of 0.10 percent over regular senior citizen rates on select fixed deposit tenures, maximizing overall interest accumulation. ## Context of Periodic Interest Rate Revisions Bank of Baroda last revised its fixed deposit interest rates in June of this year. Commercial banking institutions across the country periodically adjust deposit yields in response to monetary policy developments, aligning rate structures with the repo rate benchmarks determined by the Reserve Bank of India. ## What this means for you Bank of Baroda's deposit schedule provides clear return expectations for risk-averse retail savers. - **For general depositors:** Individuals aged up to 59 years can secure a 6.25 percent annual yield on a 400-day commitment. Savers with spare capital can deposit amounts starting from a 7-day tenure up to a 3 crore rupees threshold. - **For senior citizens:** Savers aged 60 and older receive an elevated 6.75 percent interest rate supported by a 0.50 percent premium over standard rates. This provides predictable cash flow and enhanced returns for retirement portfolios. - **For super senior citizens:** Depositors aged 80 and above secure the highest return of 6.85 percent on the 400-day tenure. This bracket earns 0.10 percent more than standard senior citizens on select maturities. - **For portfolio planning:** Customers can structure savings across maturities ranging from 7 days up to 10 years. Allocating funds across different terms enables savers to balance liquidity needs with fixed income optimization. ## Why this happened Commercial banks calibrate their fixed deposit rates primarily in response to monetary policy benchmarks and structural liquidity needs. - **Monetary policy linkage:** Banking institutions routinely adjust their deposit pricing in alignment with the policy repo rate set by the Reserve Bank of India. Changes in benchmark borrowing costs directly influence retail deposit rates across maturities. - **Recent portfolio review:** Bank of Baroda implemented a comprehensive revision of its fixed deposit yields in June of this year. That revision established the existing tiered rate structure across standard and promotional tenures. - **Liquidity management:** Offering specialized tenures such as 400 days allows lenders to mobilize predictable, medium-term retail funding. This assists institutions in balancing asset-liability durations against credit expansion demands. ## Questions & Answers ### 1. What is the overall interest rate range for fixed deposits at Bank of Baroda? Bank of Baroda offers fixed deposit interest rates spanning from 3.50 percent to 7.35 percent across various maturities. ### 2. What are the minimum and maximum tenures available for a fixed deposit at Bank of Baroda? Depositors can open a fixed deposit account for a minimum tenure of 7 days and up to a maximum duration of 10 years. ### 3. What return do general citizens earn on the 400-day fixed deposit tenure? General depositors aged up to 59 years receive an annual interest rate of 6.25 percent on the 400-day scheme. ### 4. What rate of interest do senior citizens receive on the 400-day deposit? Senior citizens aged 60 years and above are offered a 6.75 percent interest rate on the 400-day deposit tenure. ### 5. What rate is offered to super senior citizens on the 400-day tenure? Super senior citizens aged 80 years and older receive an interest rate of 6.85 percent on this tenure. ### 6. What is the maximum investment limit for the 400-day fixed deposit scheme? The bank permits customers to deposit an amount up to a maximum ceiling of 3 crore rupees in this scheme. --- _TrendKia — Har trend, sabse pehle.. Machine-readable view; canonical HTML at the URL above._