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Bank Of Baroda offers attractive fixed deposit rates. Fixed deposits can be opened online or by visiting the nearest branch. Bank Of Baroda Fixed deposit rates vary with the amount invested and the tenure. The rates are also different for non-withdrawable deposits and recurring fixed deposits.
Fixed Deposit (FD) is an investment instrument wherein money is parked for a pre-determined period for an agreed rate of return. The investor has the option of choosing monthly, quarterly and annual calculation of interest rates. This has remained one of the most popular investment avenues for generations now.
Fixed deposits can be opened with a minimum deposit amount of Rs. 100, there is no maximum limit applicable for most banks. The tenure can range between 7 days to 10 years. In certain cases, such as minor accounts, the tenure can be extended to over 15 years or upto 20 years.
About Bank of Baroda Fixed Deposit Rate
Fixed deposit accounts offered by Bank of Baroda are an excellent means to grow money. The interest rates offered on term deposits are higher than that of savings account. Hence, Bank of Baroda offers the flexibility to move the funds parked in Savings account into fixed deposits, the same amount of money, for the same time period is likely to earn higher returns if parked in fixed deposit as against savings deposit account.
Bank of Baroda has a host of schemes to choose from based on suitability, the key variant being time period and interest rate. The choices are designed such that they provide appropriate options to a range of investors from salaried employees to self – employed professionals to senior citizens. The term deposits offered by Bank of Baroda come with a host of other attractive benefits such as convenient withdrawal options, nomination facility, overdraft facility, outstation cheque collections, safe deposit lockers, ATMs etc.,
Short Term Deposits – These deposits are for less than a year and the tenure ranges between 7 days to 12 months. The minimum deposit amount is Rs. 1000 and the minimum tenure is 7 days, the interest rates would depend on the maturity period. The key benefits of short deposits schemes are –
Long deposits – These fixed deposits have tenures greater than 12 months and can go upto 120 months. A range of fixed deposit schemes with varying tenure and interest rates are offered here.
Capital gains accounts scheme, 1988 - For all Deposits under Capital Gain Accounts Scheme, 1988, interest rate will be applicable as per time period. It will also not be in order to offer higher/differential rate of interest on deposits received under the Capital Gains Accounts Scheme, 1988.
For opening a term deposit account with Bank of Baroda, 2 passport size photos, address proof, identity proof, income proof, introducer who has an account with the bank
Depends on the maturity period, an additional 0.5% for senior citizens account. Interest payment is subject to TDS (tax deducted at source) at 10.3% as per prevailing Income tax act, 1961.
For Domestic & NRO Term Deposits - Below Rs. 1 Crore
For Domestic & NRO Term Deposits - Rs. 1 Crore to Less than Rs. 10 Crore
Interest Rates for Domestic Term Deposits & NRO Deposits of Rs 10 Crores to less than Rs 50 Crores (Fresh & Renewal)
Interest Rates for Domestic Term Deposits & NRO Deposits of Rs 50 Crores to Rs.100 Crores & above Rs 100 Crores (Fresh & Renewal)
Baroda Tax Savings Term Deposit (w.e.f. 01.11.18)
1. Who is eligible to open a term deposit account with Bank of Baroda?
Resident Indians, private or public limited company, Hindu undivided family, trust and partnership firm can open term deposit account with Bank of Baroda.
2. What is the minimum amount allowed for opening a fixed deposit account?
Fixed deposit account can be opened with a minimum of Rs. 10,000 or Rs. 100 in certain cases which can be increased in multiples of Rs. 100.
3. What is the minimum and maximum tenure allowed on fixed deposits?
The tenure can range between 7 days and 10 years.
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