Revised Rate of interest on slab wise SB Deposits (w.e.f 25/02/2022) are as under:
| Present SB Interest Rate Slab on O/s Balance | Revised Interest Rates w.e.f 25/02/2022 |
|---|---|
| Upto Rs. 1.00 lakh | 2.75% |
| Above Rs 1.00 Lakh to less than Rs 100 Crores | 2.75% |
| Rs.100 Crore and above to less than Rs.200 Crores | 2.85% |
| Rs 200 crores and above to less than Rs 500 crores | 3.05% |
| Rs 500 crores and above to less than Rs 1,000 crores | 3.25% |
| Rs 1,000 crores and above | 3.30% |
For Domestic & NRO Term Deposits [Per Annum] [Fresh & Renewal] [Callable] (ROI in %)
– Below Rs. Two Crore
| Tenors | Below Rs 2 Cr. (w.e.f. 22.03.2022) |
|---|---|
| 7 days to 14 days | 2.80 |
| 15 days to 45 days | 2.80 |
| 46 days to 90 days | 3.70 |
| 91 days to 180 days | 3.70 |
| 181 days to 270 days | 4.30 |
| 271 days & above and less than 1 year | 4.40 |
| 1 year | 5.00 |
| Above 1 year to 400 days | 5.20 |
| Above 400 days and upto 2 Years | 5.20 |
| Above 2 Years and upto 3 Years | 5.20 |
| Above 3 Years and upto 5 Years | 5.35 |
| Above 5 Years and upto 10 Years | 5.35 |
| Above 10 years (for MACT/MACAD Court Order schemes only) |
5.10 |
For Domestic Term Deposits Below Rs 2.00 Crores – Resident Senior Citizens [Fresh & Renewal] [Callable]: –
| Tenors | Below Rs 2 Cr. (w.e.f. 22.03.2022) |
|---|---|
| 7 days to 14 days | 3.30* |
| 15 days to 45 days | 3.30* |
| 46 days to 90 days | 4.20* |
| 91 days to 180 days | 4.20* |
| 181 days to 270 days | 4.80* |
| 271 days & above and less than 1 year | 4.90* |
| 1 year | 5.50* |
| Above 1 year to 400 days | 5.70* |
| Above 400 days and upto 2 Years | 5.70* |
| Above 2 Years and upto 3 Years | 5.70* |
| Above 3 Years and upto 5 Years | 6.00*** |
| Above 5 Years and upto 10 Years | 6.35** |
(* incl. additional ROI 0.50%, ** incl. additional ROI of 0.50%+0.50%, *** incl. additional ROI of 0.50%+0.15%)
Sr. Citizen Preferential Rate is applicable only for “Resident Indian Sr. Citizen”.
For Domestic Term Deposits & NRO Deposits [Per Annum] [Fresh & Renewal] [Callable] (ROI in %) Rs. 2 Crore to upto Rs. 10 Crore (w.e.f. 25.02.2022)
| Tenors | Rs 2 Cr. to upto Rs 10 Cr. |
|---|---|
| 7 days to 14 days | 2.90 |
| 15 days to 45 days | 2.90 |
| 46 days to 90 days | 2.90 |
| 91 days to 180 days | 3.50 |
| 181 days to 270 days | 3.50 |
| 271 days & above and less than 1 year |
3.50 |
| 1 year | 4.25 |
| Above 1 Year and upto 2 Years |
4.00 |
| Above 2 Years and upto 3 Years |
4.00 |
| Above 3 Years and upto 5 Years |
4.00 |
| Above 5 Years and upto 10 Years |
4.00 |
Interest Rates for Domestic Term Deposits & NRO Deposits of Above Rs 10 Crores to upto Rs 50 Crores (Fresh & Renewal) (w.e.f. 04.04.2022 )
| Maturity Range | Amount of Deposit Per receipt | |
|---|---|---|
| Above Rs 10 cr. to upto Rs 25 cr. | Above Rs 25 cr. to upto Rs 50 cr. | |
| 7 days to 14 days | 3.25 | 3.25 |
| 15 days to 45 days | 3.50 | 3.50 |
| 46 days to 90 days | 3.50 | 3.50 |
| 91 days to 180 days | 3.75 | 3.75 |
| 181 days to 270 days | 4.00 | 4.00 |
| 271 days & above and less than 1 year |
4.25 | 4.25 |
| 1 year | 5.03 | 5.03 |
| Above 1 Year and upto 2 Years | 5.00 | 5.00 |
| Above 2 Years and upto 3 Years | 5.10 | 5.10 |
| Above 3 Years and upto 5 Years | 4.50 | 4.50 |
| Above 5 Years and upto 10 Years | ** | ** |
Interest Rates for Domestic Term Deposits & NRO Deposits of Above Rs 50 Crores to upto Rs.100 Crores (Fresh & Renewal) (w.e.f. 04.04.2022)
| Tenors | Amount of Deposit Per receipt |
|---|---|
| Above Rs 50 cr. to upto Rs 100cr. |
|
| 7 days to 14 days | 3.25 |
| 15 days to 45 days | 3.50 |
| 46 days to 90 days | 3.50 |
| 91 days to 180 days | 3.75 |
| 181 days to 270 days | 4.00 |
| 271 days & above and less than 1 year |
4.25 |
| 1 year | 5.03 |
| Above 1 Year and upto 2 Years | 5.00 |
| Above 2 Years and upto 3 Years | 5.10 |
| Above 3 Years and upto 5 Years | 4.50 |
| Above 5 Years and upto 10 Years | ** |
Interest Rates for Domestic Term Deposits & NRO Deposits of Above Rs.100 Crores (Fresh & Renewal) (w.e.f. 04.04.2022 )
| Tenors | Amount of Deposit Per receipt | ||
|---|---|---|---|
| Above Rs 100 cr. to upto Rs 500cr. |
Above Rs 500 cr. to upto Rs 1000cr. |
Above Rs 1000 cr. |
|
| 7 days to 14 days | 3.25 | 3.25 | 3.25 |
| 15 days to 45 days | 3.50 | 3.50 | 3.50 |
| 46 days to 90 days | 3.50 | 3.50 | 3.50 |
| 91 days to 180 days | 3.75 | 3.75 | 3.75 |
| 181 days to 270 days | 4.00 | 4.00 | 4.00 |
| 271 days & above and less than 1 year |
4.25 | 4.25 | 4.25 |
| 1 year | 5.03 | 5.03 | 5.03 |
| Above 1 Year and upto 2 Years | 5.00 | 5.00 | 5.00 |
| Above 2 Years and upto 3 Years | 5.10 | 5.10 | 5.10 |
| Above 3 Years and upto 5 Years | 4.50 | 4.50 | 4.50 |
| Above 5 Years and upto 10 Years | ** | ** | ** |
Baroda Tax Savings Term Deposit (w.e.f. 16.11.2020)
| Tenors | Deposit [Per Annum] less than Rs 2 Cr. | Sr. Citizen(w.e.f 16.11.2020) |
|---|---|---|
| For 5 years | 5.25 | 5.75 |
| Above 5 years to up to 10 years | 5.25 | 6.25 |
Note: Sr. Citizen Rate IS applicable only for “Resident Indian Sr. Citizen”.
*Premature withdrawal not allowed before completion of 5 years except in case of death of the customer
For Baroda Advantage Fixed Deposit (Domestic/NRO/NRE) Accounts (Non Callable) Fresh & Renewal) – Minimum Rs. 15.01 lakhs to below Rs. Two Crore
| Tenors | Rs. 15.01 lakhs to below Rs. Two Crore (w.e.f. 22.03.2022) |
|---|---|
| 1 year | 5.05 |
| Above 1 Years to 400 days | 5.25 |
| Above 400 days and upto 2 Years | 5.25 |
| Above 2 Years and upto 3 Years | 5.25 |
| Above 3 Years and upto 5 Years | 5.45 |
| Above 5 Years and upto 10 Years | 5.45 |
Baroda Advantage Fixed Deposit (Domestic) Accounts for Minimum Rs 15.01 Lakh to below Rs 2.00 Crore for Resident Senior Citizens [Fresh & Renewal] [Non Callable]: –
| Tenors | Rs. 15.01 lakhs to below Rs. Two Crore (w.e.f. 22.03.2022) |
|---|---|
| 1 Year | 5.55* |
| Above 1 Year to upto 400 days | 5.75* |
| Above 400 days to upto 2 Years | 5.75* |
| Above 2 Years to upto 3 Years | 5.75* |
| Above 3 Years to upto 5 Years | 6.10*** |
| Above 5 Years to upto 10 Years | 6.45** |
(* incl. additional ROI 0.50%, ** incl. additional ROI of 0.50%+0.50%, *** incl. additional ROI of 0.50%+0.15%)
For Baroda Advantage Fixed Deposit (domestic) Accounts (Non Callable)(Deposit amount: Rs. 2 Cr. and above)
Non-Callable Bulk deposits of Rs.2.00 crore and above will also have additional interest upto 10 bps over the applicable rate of interest for Normal Bulk Deposits (callable) as per the maturity period of deposits as decided by The Treasury Department, BCC
For Baroda Advantage Fixed Deposit (Domestic) Accounts (Non-Callable) (Fresh & Renewal) – (ROI in% p.a. (Rs 2.00 Crores and above & upto Rs 10.00 Crore) : –
| Tenors | Above Rs. 2 Cr. to upto Rs. 10 Cr. (w.e.f. 25.02.2022) |
|---|---|
| 1 Year | 4.35 |
| Above 1 Year to and upto 2 Years | 4.10 |
| Above 2 Years to upto 3 Years | 4.10 |
| Above 3 Years to upto 5 Years | 4.10 |
| Above 5 Years to upto 10 Years | 4.10 |
For Baroda Advantage Fixed Deposit (domestic) Accounts (Non Callable) (w.e.f. 04.04.2022)
| Tenors | Above Rs. 10 Cr. to upto Rs. 25 Cr. |
Above Rs. 25 Cr. to upto Rs. 50 Cr. |
Above Rs. 50 Cr. to upto Rs. 100 Cr. |
Above Rs. 100 Cr. to upto Rs 500 Cr. |
Above Rs. 500 Cr. to upto Rs 1000 Cr. |
Above Rs. 1000 Cr. |
| 1 year | 5.13 | 5.13 | 5.13 | 5.13 | 5.13 | 5.13 |
| Above 1 Years and upto 2 Years | 5.10 | 5.10 | 5.10 | 5.10 | 5.10 | 5.10 |
| Above 2 Years and upto 3 Years | 5.20 | 5.20 | 5.20 | 5.20 | 5.20 | 5.20 |
| Above 3 Years and upto 5 Years | 4.60 | 4.60 | 4.60 | 4.60 | 4.60 | 4.60 |
| Above 5 Years and upto 10 Years | – | – | – | – | – | – |
Foreign Currency Non-resident Deposit – FCNR(B) – Deposits w.e.f. 16th April 2022 . The rates shall be effective up to 15th May 2022. (Rates are subject to change as per Bank’s discretion)
| Maturity Period | USD | GBP | EUR | AUD |
|---|---|---|---|---|
| 1 Yr. to less than 2 yrs. | 1.18 (1.18) |
1.45 (1.45) |
0.00 (0.00) |
0.44 (0.44) |
| 2 Yrs. to less than 3 yrs. | 1.60 (1.60) |
1.81 (1.81) |
0.00 (0.00) |
0.92 (0.92) |
| 3 Yrs. to less than 4 yrs. | 1.83 (1.83) |
1.93 (1.93) |
0.01 (0.01) |
1.28 (1.28) |
| 4 Yrs. to less than 5 yrs. | 1.94 (1.94) |
1.94 (1.94) |
0.11 (0.11 ) |
1.55 (1.55) |
| 5 Years | 2.02 (2.02) |
1.91 (1.91) |
0.17 (0.17) |
1.67 (1.67) |
Figures in bracket ( ) indicate rate of interest before revision.
The above revised rates will be applicable for fresh and existing FCNR (B) deposits which are renewed on maturity.
Please note that no additional interest is permitted to Senior Citizen and Staff.
NRE Term (Rupee) Deposits [Fresh & Renewal] [Callable] (ROI in %) –Below Rs. Two Crore
(w.e.f. 22.03.2022)
| Tenors | Below Rs.2.00 crore |
|---|---|
| 1 year | 5.00 |
| Above 1 Years to 400 days | 5.20 |
| Above 400 days and upto 2 Years | 5.20 |
| Above 2 Years and upto 3 Years | 5.20 |
| Above 3 Years and upto 5 Years | 5.35 |
| Above 5 Years and upto 10 Years | 5.35 |
NRE Term (Rupee) Deposits [Fresh & Renewal] [Callable] will be as under. (ROI in% p.a.) Rs 2.00 Crores and above & upto Rs 10.00 Crore (w.e.f. 25.02.2022) :
| Maturity Range | Rs.2 crore to upto Rs. 10 crores |
|---|---|
| 1 Year | 4.25 |
| Above 1 Year and upto 2 Years | 4.00 |
| Above 2 Years and upto 3 Years | 4.00 |
| Above 3 Years and upto 5 Years | 4.00 |
| Above 5 Years and upto 10 Years | 4.00 |
NRE Term Deposits of Above Rs. 10 crores to upto Rs.50 Crores (Fresh & Renewal) (w.e.f. 04.04.2022)
| Maturity Range | Amount of Deposit Per receipt | ||
|---|---|---|---|
| Above Rs.10 cr. to upto Rs.25 cr. | Above Rs.25 cr. to upto Rs.50 cr. | ||
| 1 year | 5.03 | 5.03 | |
| > 1 year up to 2 years | 5.00 | 5.00 | |
| > 2 years up to 3 years | 5.10 | 5.10 | |
NRE Term Deposits of Above Rs. 50 crores and More (Fresh & Renewal) (w.e.f. 04.04.2022)
| Maturity Range | Amount of Deposit Per receipt | |||
|---|---|---|---|---|
| Above Rs.50 cr. to Rs.100 cr |
Above Rs.100 cr. to Rs.500 cr |
Above Rs.500 cr. to Rs.1000 cr |
Above Rs.1000 cr |
|
| 1 year | 5.03 | 5.03 | 5.03 | 5.03 |
| > 1 yr. upto 2 yrs. | **** | **** | **** | **** |
| > 2 yrs. upto 3 yrs | **** | **** | **** | **** |
| > 3 yrs. upto 5 yrs. | **** | **** | **** | **** |
| > 5 yrs. upto 10 yrs. | **** | **** | **** | **** |
Note
-
- Capital Gain Account Scheme, 1988:
For all Deposits under Capital Gain Accounts Scheme, 1988, interest rate will be applicable as per normal 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.
- Premature withdrawal of Deposits:As regards Premature withdrawal of Deposits of Rs 1.00 Crore and above, the below mentioned conditions as per our circular nos. BCC: BR: 110: 540 Dated 31.10.2018 and BCC: BR: 111: 122 dated 11.03.2019 shall remain applicable: –
- 31 days prior notice, and
- Penalty @1.5% on applicable rate of interest for the period for which the deposit has remained with the Bank.
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