Bank of Baroda has launched a new fixed deposit scheme — the ‘bob Square Drive Deposit Scheme’, offering interest rates of up to 7.80% per annum for a special tenure of 444 days. The scheme is available from April 7, 2025, and applies to retail deposits below ₹3 crore.
Under the scheme, general citizens will receive an interest rate of 7.15% p.a., while senior citizens and super senior citizens (aged 80+) can earn 7.65% p.a. and 7.75% p.a., respectively. For non-callable deposits, which do not allow premature withdrawal, the interest rate increases further — offering up to 7.80% p.a. depending on the age group.
Callable vs Non-Callable Options
The deposit scheme is available in both callable and non-callable formats for deposits above ₹1 crore and below ₹3 crore.
- Callable deposits: Allow premature withdrawal before maturity, but typically come with slightly lower interest rates.
- Non-callable deposits: Do not allow early withdrawal but provide higher interest rates in exchange for the commitment to hold the funds for the full tenure.
Under the non-callable option:
- Senior Citizens earn 7.70% p.a.
- Super Senior Citizens earn 7.80% p.a.
Digital Onboarding and Executive Remarks
The deposit can be opened conveniently through Bank of Baroda’s digital platforms, including the bob World app, Internet Banking, or by visiting any of the bank’s physical branches. Additionally, new customers can open fixed deposits via video KYC through the bank’s website, without the need to open a savings account.
Commenting on the launch, Beena Vaheed, Executive Director at Bank of Baroda, said “With interest rates trending downwards, the scheme offers an opportunity to lock in higher rates and earn stable and assured returns.”
Conclusion
The ‘bob Square Drive Deposit Scheme offers a timely opportunity for investors to secure attractive returns amid a softening interest rate environment. With flexible options, enhanced rates for senior citizens, and easy digital access, Bank of Baroda aims to meet diverse customer needs while promoting financial stability through assured, long-term savings backed by convenience and higher yields.
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