If you’re looking for a safe, reliable, and high-return short-term investment, then look no further — BOB’s 400 days FD is best for investing in 2025. This limited-time scheme from Bank of Baroda (BOB) offers attractive interest rates that can yield a profit of around ₹35,000 or more on a single deposit. Whether you’re a cautious saver, a seasoned investor, or planning for a short-term financial goal, this fixed deposit (FD) is worth your attention.
BOB’s 400 Days FD Scheme
| Feature | Details |
|---|---|
| FD Scheme Name | BOB Utsav Fixed Deposit |
| Duration | 400 days (Approx. 13 months, 10 days) |
| Interest Rate – General Public | 7.30% per annum |
| Interest Rate – Senior Citizens | 7.80% per annum |
| Interest Rate – Super Seniors | 7.90% per annum |
| Minimum Deposit | ₹1,000 |
| Maximum Deposit | No upper limit |
| Estimated Profit | ₹35,000–₹43,000 on ₹5 lakh investment |
| Taxation | Interest is taxable under income tax laws |
| Official Link | Bank of Baroda Utsav Deposit Scheme |
BOB’s 400-day Utsav Fixed Deposit is currently one of the best FD options in India for short-term investors in 2025. With interest rates as high as 7.90%, a simple and secure process, and potential profits nearing ₹35,000–₹43,000, this scheme ticks all the right boxes.
Why BOB’s 400-Day FD is a Smart Move in 2025
With RBI repo rates stabilizing and inflation moderating, fixed deposits are once again gaining popularity among retail investors. What makes the BOB 400-day Utsav FD scheme stand out is its:
- High interest rate for a short tenure
- Government-backed safety (BOB is a public sector bank)
- Flexibility in deposit amount and payout frequency
- Limited-time opportunity with above-market average returns
While most standard FDs offer 6.5%–7% annually, BOB’s special scheme beats that benchmark, especially for senior citizens and retirees looking to park a lump sum safely.
see also: PNB Bank Is Giving Great Returns on 2000 Days FD
How Much Profit Can You Make? (With Examples)
Let’s say you invest ₹5,00,000 in this scheme for 400 days.
For General Public (7.30% p.a.)
- Interest earned: Approx. ₹39,945
- Maturity amount: ₹5,39,945
For Senior Citizens (7.80% p.a.)
- Interest earned: Approx. ₹42,740
- Maturity amount: ₹5,42,740
For Super Senior Citizens (7.90% p.a.)
- Interest earned: Approx. ₹43,300
- Maturity amount: ₹5,43,300
So yes, a profit of ₹35,000–₹43,000 is very realistic, depending on your age group and investment amount.
Step-by-Step Guide to Investing in BOB’s 400 Days FD
Step 1: Check Eligibility
- Available to residents, NRIs, and senior citizens
- Minimum deposit: ₹1,000
Step 2: Choose Deposit Mode
- Online (via BOB World app or net banking)
- Offline (visit nearest Bank of Baroda branch)
Step 3: Select Interest Payout
- Cumulative (interest paid at maturity)
- Non-cumulative (monthly/quarterly/half-yearly payouts)
Step 4: Submit KYC Documents
- PAN card, Aadhaar, address proof, and passport-size photo if not already provided.
Step 5: Review and Confirm
- Check terms, auto-renewal options, and taxation details before finalizing.
Pro Tip: Opt for the cumulative option if you don’t need regular income. It will give you the maximum return on maturity.
Special Benefits for Senior Citizens
BOB’s 400-day FD is especially attractive for retirees and senior citizens:
- Higher interest (up to 7.90% p.a. for super seniors)
- Reliable monthly income option
- Helps meet post-retirement needs without market risks
For example, a 70-year-old retiree investing ₹10 lakh could earn close to ₹85,000 in interest—taxable, but risk-free and backed by a government bank.
How It Compares With Other Banks
| Bank | Tenure | Interest Rate (General) | Interest Rate (Senior) |
|---|---|---|---|
| Bank of Baroda | 400 days | 7.30% | 7.80% – 7.90% |
| State Bank of India | 400 days (Amrit Kalash) | 7.10% | 7.60% |
| HDFC Bank | 1 year – 15 months | 7.00% | 7.50% |
| ICICI Bank | 1 year – 18 months | 7.00% | 7.50% |
Verdict: BOB leads with the highest short-term FD rates among major banks in 2025.
Taxation on FD Returns
- TDS (Tax Deducted at Source) applies if interest exceeds ₹40,000/year (₹50,000 for senior citizens)
- Submit Form 15G / 15H to avoid TDS if you’re below the taxable limit
- Interest income is added to your annual taxable income
see also: HDFC Bank’s Special 21-Month FD Scheme
BOB’s 400 Days FD FAQs
Q1. Is BOB’s 400 Days FD safe?
Yes. Bank of Baroda is a government-owned bank, and your deposits up to ₹5 lakh are insured under DICGC.
Q2. Can I withdraw the FD before 400 days?
Yes, but premature withdrawal penalties may apply, and you may earn lower interest.
Q3. Is this scheme available to NRIs?
Yes, NRIs can invest via NRO accounts. However, interest may be subject to different taxation.
Q4. How do I apply online?
You can invest via the BOB World mobile app or internet banking portal. It takes less than 10 minutes.
Q5. When is this scheme ending?
The BOB Utsav FD is a limited-period offer. No official end date has been announced, so it’s best to invest soon.
