Headline rates
1-year retail
Bank of Baroda
6.25%
1-year retail
State Bank of India
6.25%
5-year retail
Bank of Baroda
6.30%
5-year retail
State Bank of India
6.05%
Worked example
What ₹10 lakh would earn over 1 year.
Bank of Baroda
₹62,500
State Bank of India
₹62,500
Difference: ₹0 over the year. Simple-interest approximation; actual yield depends on compounding frequency.
Rate × tenor
The full curve.
Bank of Baroda (< ₹3 cr)State Bank of IndiaBest rateSingle-day special
Slab-by-slab
Every tenor, both banks.
| Tenor | Bucket | Rate |
|---|---|---|
| 7 days to 14 days | SHORT | 3.50% |
| 15 days to 45 days | MEDIUM | 3.50% |
| 46 days to 90 days | MEDIUM | 5.00% |
| 91 days to 180 days | MEDIUM | 5.00% |
| 181 days to 210 days | MEDIUM | 5.50% |
| 211 days to 270 days | MEDIUM | 5.75% |
| Above 1 year to 400 days | LONG | 6.25% |
| BoB Square Drive Deposit Scheme (444 days) | LONG | 6.45% |
| BoB Golden Goal Deposit Scheme (555 days) | LONG | 6.75%★ best |
| 271 days & above and less than 1 year | LONG | 6.00% |
| Above 3 years to 5 years | LONG | 6.30% |
| Above 5 years to 10 years | ULTRA-LONG | 6.00% |
| Above 10 years (MACAD Court Order schemes only) | ULTRA-LONG | 5.50% |
| Tenor | Bucket | Rate |
|---|---|---|
| 7 days to 45 days | MEDIUM | 3.05% |
| 46 days to 179 days | MEDIUM | 4.90% |
| 180 days to 210 days | MEDIUM | 5.65% |
| 211 days to less than 1 year | MEDIUM | 5.90% |
| 1 year to less than 2 year | LONG | 6.25% |
| 444 days (Amrit Vrishti) | LONG | 6.45%★ best |
| 2 years to less than 3 years | LONG | 6.40% |
| 3 years to less than 5 years | LONG | 6.30% |
| 5 years and up to 10 years | ULTRA-LONG | 6.05% |
Pick any two banks
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