Bank of Baroda (BoB) has introduced the BOB Utsav Fixed Deposit Scheme 2025, a special fixed deposit (FD) scheme offering competitive interest rates and attractive benefits for investors. Whether you are a salaried professional, a retiree, or a business owner, this scheme provides a secure investment option with high returns.
In this article, we’ll break down the BOB Utsav Fixed Deposit Scheme 2025, including the latest interest rates, eligibility criteria, benefits, and how to apply. Read on to discover why this FD scheme could be the perfect addition to your investment portfolio.
BOB Utsav Fixed Deposit Scheme 2025
| Feature | Details |
|---|---|
| Scheme Name | BOB Utsav Fixed Deposit Scheme 2025 |
| Interest Rate (General Public) | 7.30% per annum |
| Interest Rate (Senior Citizens) | 7.80% per annum |
| Interest Rate (Super Senior Citizens – 80+ Years) | 7.90% per annum |
| Non-Callable FD (No Premature Withdrawal) | Additional 0.05% Interest |
| Tenure | 400 Days |
| Minimum Investment | ₹10,000 |
| Maximum Investment | ₹3 Crore (Retail Investors) |
| Premature Withdrawal | Available with a penalty (except non-callable FDs) |
| Loan Against FD | Up to 90% of FD amount |
| Tax Benefits | Eligible under Section 80C for tax-saving FDs |
| Official Website | Bank of Baroda |
The BOB Utsav Fixed Deposit Scheme 2025 is a safe, high-return investment option for those looking for secure savings with attractive interest rates. With a fixed 400-day tenure, tax benefits, and loan options, this scheme is ideal for both retirees and young investors. If you’re looking for short-term, risk-free returns, this is one of the best FD options in 2025.
What is the BOB Utsav Fixed Deposit Scheme?
The BOB Utsav Fixed Deposit Scheme 2025 is a special FD scheme launched by Bank of Baroda for a limited period. It offers higher interest rates than regular FDs, making it an attractive option for investors seeking short-term, secure, and high-return investments.
With a fixed tenure of 400 days, this FD allows investors to earn predictable returns with minimal risk. Whether you are saving for a future goal or looking for a steady passive income, this scheme provides an easy way to grow your money.
see also: Fixed Deposit (FD) in Your Wife’s Name
BOB Utsav FD Interest Rates 2025
One of the most attractive features of this scheme is its competitive interest rates:
- General Public: 7.30% per annum
- Senior Citizens (60+ years): 7.80% per annum
- Super Senior Citizens (80+ years): 7.90% per annum
- Non-Callable FD: Extra 0.05% interest (up to 7.95% for super senior citizens)
Example: If you invest ₹1,00,000 in the BOB Utsav FD Scheme as a senior citizen, at 7.80% p.a., you will earn approximately ₹8,533 in interest after 400 days.
Who Can Invest? (Eligibility Criteria)
The BOB Utsav Fixed Deposit Scheme is open to the following categories:
Indian Residents (Individuals, including minors with a guardian) Senior Citizens (60+ years) Super Senior Citizens (80+ years) Non-Resident Indians (NRIs) (For NRO accounts) HUFs (Hindu Undivided Families) Trusts, Societies, and Companies
How to Apply for the BOB Utsav Fixed Deposit Scheme?
Investing in this scheme is simple and hassle-free. Follow these steps:
1. Online Application (Net Banking & Mobile App)
- Log in to Bank of Baroda Net Banking or Mobile Banking App.
- Navigate to the Fixed Deposits section.
- Select BOB Utsav Fixed Deposit Scheme.
- Enter the deposit amount and tenure (400 days).
- Verify the details and complete the payment.
- You will receive a confirmation and FD receipt instantly.
2. Offline Application (Branch Visit)
- Visit your nearest Bank of Baroda branch.
- Request an FD application form.
- Fill in your personal and investment details.
- Submit KYC documents (PAN, Aadhaar, Address Proof).
- Deposit the amount via cheque, cash, or bank transfer.
- Receive your FD receipt for recordkeeping.
Benefits of BOB Utsav Fixed Deposit Scheme
Higher Interest Rates – Earn up to 7.90% returns with safety. Fixed Tenure of 400 Days – Ideal for short-term investments. Low Minimum Investment – Start with just ₹10,000. Loan Against FD – Get up to 90% of your deposit as a loan. Tax Benefits – Eligible under Section 80C for tax-saving FDs. Safe & Secure – Backed by a leading public sector bank.
see also: SBI FD Interest Rate 2025 Interest up to 7.75%
BOB Utsav Fixed Deposit Scheme 2025 FAQs
1. Can I withdraw my money before 400 days?
Yes, but a penalty will be charged for premature withdrawals. However, non-callable deposits do not allow early withdrawals.
2. Is the interest rate fixed for the entire tenure?
Yes, the interest rate remains fixed for 400 days once you invest.
3. Can I open this FD online?
Yes, you can open the BOB Utsav FD via Net Banking or Mobile Banking.
4. Is this FD scheme available for NRIs?
Yes, NRIs can invest through NRO (Non-Resident Ordinary) accounts.
5. What happens when my FD matures?
On maturity, you can choose to withdraw the amount or reinvest for another term.
