Bank of Baroda has Launched a Special 444-Day FD, with this much Return on Maturity.

Bank Of Baroda FD Scheme : Public sector lender Bank of Baroda (BoB) has introduced a special fixed deposit (FD) scheme called the “Bob Square Drive Deposit Scheme” for 444 days, offering attractive returns to all categories of investors.

Interest Rates on Deposits Below ₹3 Crore

For deposits below ₹3 crore, the bank is offering competitive interest rates under two types of deposits – Callable and Non-Callable FDs.

1. Callable Deposits (Withdrawable Before Maturity)

• General Citizens: 6.60% per annum
• Senior Citizens: 7.10% per annum

• Super Senior Citizens: 7.20% per annum

2. Non-Callable Deposits (Cannot Be Withdrawn Before Maturity)

• General Citizens: 6.65% per annum
• Senior Citizens: 7.15% per annum

• Super Senior Citizens: 7.25% per annum

The non-callable option offers slightly higher returns since the funds remain locked in until maturity.

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Who Can Invest in This Scheme?

According to the official Bank of Baroda website, the following individuals and entities can open an account under this FD scheme:

• A single individual in their own name
• Joint accounts (two or more persons together)

• Clubs, associations, educational institutions, partnerships, joint-stock companies, and other organizations eligible as per bank rules

This FD scheme is available only under retail term deposits.

Example: Returns on an Investment of ₹12 Lakh

Let’s understand the potential returns using the Bank of Baroda FD calculator:

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Callable FD Example

If you invest ₹12 lakh in the 444-day callable FD scheme, you will receive around ₹79,200 as interest at maturity.

• Total Amount on Maturity: ₹12,79,200

• The returns are guaranteed, as FDs are not linked to market fluctuations.

Non-Callable FD Example

If you choose the non-callable FD option, and invest the same amount (₹12 lakh) for 444 days, you will earn approximately ₹85,200 in interest.

• Total Amount on Maturity : ₹12,85,200

  

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Why Choose the Bank of Baroda 444 Days FD Scheme?

• Attractive interest rates for all categories, including senior and super senior citizens.
• Flexible options – choose between callable and non-callable deposits.
• Guaranteed returns and capital protection.

• Ideal for short-term investors looking for stable income over a period of around 1 year and 3 months.

Conclusion: The Bank of Baroda “Bob Square Drive Deposit Scheme” for 444 days is a strong option for investors seeking fixed, secure, and high returns. With higher interest for senior and super senior citizens, and the assurance of guaranteed maturity value, this FD scheme is a reliable investment avenue in 2025.