Bank Of Baroda FD Scheme: At present, the rate of inflation is increasing continuously across the country. The most reliable option for the common man to keep his earnings safe and get better returns on it is Fixed Deposit (FD). This is the reason why people plan to invest about 20% of their income in some bank’s FD scheme or government savings scheme.
If you are also planning a safe investment and want good returns with better interest, then a great opportunity has come for you. Bank of Baroda has launched a new and attractive 444 days fixed deposit scheme, which can prove to be a great option for investors of all classes.
Bank of Baroda FD Scheme 2025: 444 days special fixed deposit scheme
This special fixed deposit scheme of Bank of Baroda is for a period of only 444 days. By investing in this scheme, not only will your money be safe but you will also get guaranteed returns with bumper interest rate.
The interest rates in this scheme have been fixed according to the age group of the investors. Different attractive interest rates are being given to general citizens, senior citizens and super senior citizens.
Interest rates in 444 days FD scheme
| age category | Rate of Interest (Annual) |
|---|---|
| Ordinary citizens | 7.15% |
| Senior Citizen (above 60 years) | 7.65% |
| Super Senior Citizen (above 80 years) | 7.75% |
How much return will I get on an investment of ₹2 lakh?
- Ordinary citizens
- Investment amount: ₹2,00,000
- Interest Rate: 7.15%
- Returns after 444 days: ₹2,14,986
- Total Profit: ₹14,986
Senior Citizen
- Investment amount: ₹2,00,000
- Interest Rate: 7.65%
- Returns after 444 days: ₹2,16,048
- Total Profit: ₹16,048
Super Senior Citizen
- Investment amount: ₹2,00,000
- Interest Rate: 7.75%
- Returns after 444 days: ₹2,16,572
- Total Profit: ₹16,572
Key Features of Bank of Baroda 444 Days FD Scheme
- Assured and Secure Returns: The amount invested is completely safe and the returns are guaranteed.
- Good returns in short period: Profits can be earned in just 444 days with attractive interest rates.
- Additional Benefits for Senior Citizens: Senior and super senior citizens get the benefit of additional interest rates.
- Both online and offline options: Investors can invest by visiting the bank branch or through internet banking/mobile banking.
- Tax benefits: You can also avail tax saving options on this FD scheme, however, if this scheme does not come under 80C then TDS will be applicable.
How to invest?
You can choose any of the below options to invest in Bank of Baroda 444 days FD scheme :
By visiting the bank branch: You can open an FD account by visiting your nearest Bank of Baroda branch.
Online Investing:
- Log on to the official website of Bank of Baroda .
- Go to “Fixed Deposit” option using Internet Banking.
- Fill in the required information and book the FD.
Mobile Banking: Investments can also be made through the BOB World app.
- Things to keep in mind before making an FD investment
- Check the FD interest rates carefully before buying an FD.
- Decide whether you have to pay tax on the interest (can fill Form 15G/15H).
- TDS may be applicable on the maturity amount, if your income is taxable.
- If you break the FD before 444 days, you may be charged a premature penalty.
Conclusion: FD scheme is a better investment opportunity
If you are looking for an investment option where your money is safe and you get good returns, then Bank of Baroda’s 444 days fixed deposit scheme can be a great option for you. This scheme is especially beneficial for senior citizens and super senior citizens as they get the benefit of additional interest rates.
So what are you waiting for? Invest today and ensure better profits and financial security in the coming 444 days.
