{
  "type": "article",
  "title": "Bank of Baroda offers up to 7.05% interest on this fixed deposit scheme, here's the deposit limit",
  "summary": "Bank of Baroda's 444-day fixed deposit scheme is offering interest between 6.45 and 7.05 percent depending on the depositor's age, with a maximum investment cap of Rs 3 crore.",
  "content": "State-run lender Bank of Baroda is offering strong returns on its fixed deposits, with a particularly attractive rate on its 444-day tenure scheme. On FD accounts below Rs 3 crore, the bank's interest rates range from 3.50 percent to 7.35 percent. Customers can open an FD account with the bank for a minimum tenure of just 7 days and a maximum tenure of up to 10 years. Here is a break-up of how much interest the 444-day FD scheme pays across different age groups, along with the maximum amount that can be deposited under it.\n\nInterest on the 444-day FD by age group\nBank of Baroda's 444-day FD scheme carries interest rates ranging from 6.45 percent to 7.05 percent, depending on the depositor's age. General customers up to 59 years of age earn 6.45 percent interest under this scheme. Senior citizens aged 60 years or above get a higher rate of 6.95 percent. The biggest beneficiaries are super senior citizens aged 80 years or above, who earn the highest rate of 7.05 percent on this tenure. In short, the older the depositor, the better the return on offer.\n\nMaximum deposit allowed\nThere is a cap on how much can be invested in this 444-day scheme. Customers can deposit a maximum of Rs 3 crore under this particular FD plan. Anyone looking to park a larger sum needs to keep this limit in mind, as it applies specifically to this scheme.\n\nWhy senior and super senior citizens earn more\nBank of Baroda generally pays senior citizens 0.50 percent more interest than it pays general customers. On top of that, for select tenures, super senior citizens get an additional 0.10 percent interest over what senior citizens earn. This is exactly why the 444-day scheme shows a clear gap in rates across the three age categories.\n\nHow rates vary across different tenures\nBank of Baroda's overall FD interest rates vary depending on the tenure chosen. For accounts below Rs 3 crore, the lowest rate of 3.50 percent applies to the shortest tenures, while the highest rate of 7.35 percent is offered on certain select tenures. Within this broad range, the 444-day scheme stands out as one of the better-paying options for depositors.\n\nRates were last revised in June\nBank of Baroda last revised the interest rates on its FD schemes in June this year. Banks across the country typically adjust their FD interest rates in line with the repo rate set by the Reserve Bank of India (RBI). Whenever the RBI changes the repo rate, both deposit and loan interest rates offered by banks tend to move up or down accordingly.\n\nWhat this means for you\nIf you are looking to turn your savings into a safe, better-paying investment, Bank of Baroda's 444-day FD scheme could be a useful option to consider.\n\n• For general customers: Investors up to 59 years of age will earn 6.45 percent annual interest under this scheme. It offers a fixed, market-risk-free return that suits conservative savers.\n• For senior citizens: Customers aged 60 years or above will earn 6.95 percent interest on the same scheme. That is 0.50 percent more than general customers, which can help with steady income after retirement.\n• For super senior citizens: Customers aged 80 years or above get the highest rate of 7.05 percent, ensuring the best possible return on their deposit.\n• Investment cap: A maximum of Rs 3 crore can be deposited under this scheme. Anyone planning to invest a larger sum should check this limit before finalising their deposit.\n• Rates can change: The bank last revised these rates in June, and they may move again if the RBI changes the repo rate. It is worth confirming the current rate with the bank before booking an FD.\n\nQuestions & Answers\n\n1. How much interest is Bank of Baroda offering on its 444-day FD?\nThe interest ranges from 6.45 percent to 7.05 percent depending on the depositor's age.\n\n2. What interest rate do customers up to 59 years get?\nGeneral customers up to 59 years of age get 6.45 percent interest.\n\n3. What interest rate do senior citizens get on this scheme?\nSenior citizens aged 60 years or above get 6.95 percent interest.\n\n4. What interest rate do super senior citizens get?\nSuper senior citizens aged 80 years or above get the highest rate of 7.05 percent.\n\n5. What is the maximum amount that can be deposited in this scheme?\nCustomers can deposit a maximum of Rs 3 crore under this scheme.\n\n6. When did Bank of Baroda last revise its FD interest rates?\nThe bank last revised its FD rates in June this year.\n\n7. What are the minimum and maximum FD tenures at Bank of Baroda?\nThe minimum tenure is 7 days and the maximum tenure is 10 years.",
  "url": "https://trendkia.com/en/money/bank-of-baroda-ki-khasa-fd-skima-men-siniyara-sitijana-ko-milega-7-05-byaja-janen-puri-ditela-28191",
  "category": "Money",
  "publishedAt": "2026-09-05",
  "tags": [
    "Bank of Baroda FD",
    "FD interest rate",
    "444 day FD",
    "senior citizen FD",
    "fixed deposit scheme",
    "RBI repo rate"
  ],
  "language": "en",
  "site": "TrendKia"
}