Invest ₹ 1 lakh in this superhit scheme of Bank of Baroda, you will get a sure profit of ₹ 23,508 sitting at home!

By Samira Vishwas On Dec 22, 2025

In today’s time, when banks are continuously reducing their fixed deposit (FD) interest rates, there is still a government bank which is giving you a great earning opportunity. If you also want to earn guaranteed returns without any risk, then this special scheme of Bank of Baroda is only for you.

Loans are cheap, but interest on FD also reduced

The Reserve Bank of India (RBI) has recently cut the repo rate again, due to which home loans and car loans have become cheaper, but its second impact has been on the FD schemes of banks. Most banks have reduced the interest on their FDs.

But even in this period of decline, Bank of Baroda is giving attractive interest on FD to its customers. Let us know about that special FD scheme of the bank, in which by investing just ₹ 1 lakh, you can earn fixed interest up to ₹ 23,508.

Bank of Baroda FD Scheme: Interest up to 7.20% is available

Bank of Baroda provides its customers the facility to make FD ranging from 7 days to 10 years. At present, the bank is offering excellent interest rates ranging from 3.50% to 7.20% on FDs of different tenures.

How much interest on what period?

On 444 day special FD:
- Common Citizen: 6.60%
- Senior Citizen: 7.10%
- Super Senior Citizen (above 80 years): 7.20%
On 3 year FD:
- Common Citizen: 6.50%
- Senior Citizen: 7.00%
- Super Senior Citizen (above 80 years): 7.10%

How much guaranteed return will you get on depositing ₹ 1 lakh?

Now let’s come to the most important thing. If you invest ₹1,00,000 in a 3-year FD, you will get this much money on maturity:

Common Citizen: If you are a common citizen, you will get a total of ₹ 1,21,341 after 3 years. In this your fixed interest will be ₹ 21,341.
Senior Citizen: If your age is more than 60 years, you will get a total of ₹ 1,23,144 on maturity, which will include fixed interest of ₹ 23,144.
Super Senior Citizen: And if your age is more than 80 years, then you will get the maximum benefit. You will get a total of ₹ 1,23,508 on your investment of ₹ 1 lakh, i.e. a guaranteed profit of ₹ 23,508.

So, if you also want good returns along with safe investment, then this FD scheme of Bank of Baroda can be a great option for you.