Bank of Baroda FD 2025: 681-Day FD with High Returns

Introduction

Bank of Baroda FD 2025: 681-Day Deposit Offers High Returns for Investors: Fixed deposits (FDs) remain one of the most trusted investment options for millions of Indians. In 2025, Bank of Baroda (BoB) has once again captured investors’ attention with a special 681-day FD scheme offering high interest rates and secure returns. This deposit plan combines guaranteed earnings, flexibility, and safety, making it an ideal choice for both conservative and short-term investors looking for stability in a volatile market.

In this article, we’ll explore all the essential details about the Bank of Baroda 681-Day FD Scheme 2025, including the interest rates, eligibility, benefits, interest calculation, premature withdrawal rules, and tax implications. You’ll also learn why this FD could be one of the smartest options in 2025.

Overview: Bank of Baroda FD 2025

The 681-day FD is a special tenure fixed deposit introduced by Bank of Baroda to provide higher returns compared to regular FDs. It’s designed for customers who want to lock in their money for less than two years but still enjoy a premium interest rate.

Scheme Name: Bank of Baroda 681-Day Special Fixed Deposit
Tenure: 681 days (approximately 1 year and 10 months)
Type: Term Deposit with high interest rate
Eligibility: Available for domestic, NRO, and NRE depositors
Minimum Deposit: ₹1,000 (varies by branch)
Maximum Limit: No upper limit for domestic FDs

The scheme is valid for a limited period, so investors are advised to apply before the bank closes new bookings.

Interest Rates: Bank of Baroda FD 2025

Bank of Baroda offers attractive interest rates on its 681-day FD compared to standard deposit periods. The rates are slightly higher for senior citizens, ensuring better earnings for retirees.

Category	Interest Rate (per annum)
Regular Citizens	7.15% p.a.
Senior Citizens	7.65% p.a.
Super Senior Citizens (80+)	7.85% p.a.

Example of Returns: Bank of Baroda FD 2025

Let’s understand how much you can earn through this special FD.

Investment Amount: ₹1,00,000
Tenure: 681 days (about 1.86 years)
Interest Rate: 7.15% (for regular customers)

Maturity Amount = ₹1,00,000 → ₹1,11,230 (approx.)

Senior citizens, earning 7.65%, will receive around ₹1,11,960 on maturity.
This means you earn ₹11,000 to ₹12,000 in less than two years with zero market risk.

Why Choose: Bank of Baroda FD 2025

1. High Return in Short Term

While most banks offer 6.5%–6.8% on 1–2-year FDs, Bank of Baroda gives up to 7.65%, which is among the best in its category. It’s a sweet spot between liquidity and profitability.

2. Guaranteed Safety

Being a public sector bank, Bank of Baroda enjoys high credibility. Your deposits are protected by DICGC insurance up to ₹5 lakh, ensuring peace of mind for small depositors.

3. Flexibility in Payout Options

You can choose between:

Cumulative FD: Interest compounded quarterly and paid at maturity.
Non-Cumulative FD: Monthly, quarterly, half-yearly, or annual payouts — ideal for pensioners.

4. Special Rates for Senior Citizens

Retired individuals benefit from extra interest, making this scheme a reliable income source without exposure to stock market risk.

5. Online and Offline Availability

You can open the FD through:

Bank of Baroda Net Banking
Mobile app (BoB World)
Any BoB branch

The process is paperless for existing customers and takes only a few minutes online.

How to Open a 681-Day FD: Bank of Baroda FD 2025

You can start your FD through either online banking or visiting a branch.

Online Method:

Log in to BoB NetBanking or BoB World app.
Go to “Deposits” → “Open Fixed Deposit”.
Select the 681-day tenure.
Enter the amount and choose payout mode (cumulative/non-cumulative).
Confirm the details and submit.

Offline Method:

Visit your nearest Bank of Baroda branch.
Fill out the FD application form.
Submit KYC documents (Aadhaar, PAN, and photo).
Deposit the money via cheque, cash, or transfer.

Premature Withdrawal and Loan Facility: Bank of Baroda FD 2025

Premature Withdrawal:
Allowed anytime after 7 days from the date of deposit.
However, interest will be reduced by 1% if withdrawn before maturity.
Loan Against FD:
You can avail loans or overdrafts up to 90% of the FD amount without breaking it.
This feature helps you maintain liquidity in emergencies.

Taxation and TDS Rules: Bank of Baroda FD 2025

Interest earned on your FD is taxable under the Income Tax Act, 1961.

If interest exceeds ₹40,000 per year (₹50,000 for senior citizens), TDS will be deducted at 10%.
You can avoid TDS by submitting Form 15G/15H, depending on your income level.

To enjoy tax benefits, investors can also consider 5-Year Tax Saver FDs offered by Bank of Baroda under Section 80C.

Comparison: 681-Day FD vs. Other Banks (2025)

Bank Name	Tenure	Interest Rate (Regular)	Interest Rate (Senior Citizens)
Bank of Baroda	681 Days	7.15%	7.65%
SBI	2 Years	6.80%	7.30%
HDFC Bank	2 Years	7.00%	7.50%
ICICI Bank	18 Months	7.10%	7.60%
Axis Bank	2 Years	7.05%	7.55%

As shown, Bank of Baroda’s 681-day FD leads with one of the highest returns in the short-term fixed deposit category.

Who Should Invest in This FD?: Bank of Baroda FD 2025

The Bank of Baroda 681-day FD is ideal for:

Retirees seeking stable monthly or quarterly income
Salaried individuals planning short-term savings
Parents saving for a child’s educational expense within two years
Investors looking for diversification beyond mutual funds or equities

The scheme provides the perfect mix of growth, safety, and liquidity.

Key Points to Remember: Bank of Baroda FD 2025

Feature	Details
Tenure	681 Days
Minimum Deposit	₹1,000
Maximum Deposit	No Limit
Interest Payout	Monthly, Quarterly, or on Maturity
Premature Withdrawal	Allowed with 1% penalty
Loan Facility	Up to 90% of FD amount
Tax Benefit	Available on 5-year FDs (Section 80C)
Mode	Online & Offline

Expert Tips for Maximizing FD Returns: Bank of Baroda FD 2025

Stagger Deposits: Split your funds into multiple FDs with different tenures to manage liquidity better.
Reinvest Interest: Choose cumulative FDs to take advantage of compounding.
Use Auto-Renewal: Avoid gaps between maturities to maintain continuous earnings.
Compare Rates Frequently: FD interest rates change periodically — always check for special schemes like the 681-day plan.
Submit 15G/15H: Prevent unnecessary TDS deductions if your income is below the taxable limit.

Bank of Baroda Official Website – for readers to verify FD details and apply online

Conclusion: Bank of Baroda FD 2025

The Bank of Baroda 681-Day FD Scheme 2025 is a standout opportunity for anyone seeking a secure, high-yield investment in a short duration. With interest rates of up to 7.65%, flexibility in payout options, and government-backed safety, this FD checks every box for smart investors. Whether you’re saving for a short-term goal or looking to park surplus funds safely, this FD delivers consistent growth without risk. As interest rate cycles may fluctuate later in 2025, locking your money in this special 681-day deposit now can help you secure superior guaranteed returns.