BOI, SBI, Bank of Baroda, Indian Bank FD rates: Which special deposit offers the highest interest in November 2026?

Bank of India's newly introduced 500-day BOI Akshay Fixed Deposit offers an interest rate of up to 7.65% for super senior citizens opting for the non-callable option. The regular callable option offers up to 7.50% to the same category of depositors.

Bank of India: BOI Akshay Fixed Deposit (500 days)

Bank of India has introduced the BOI Akshay Fixed Deposit, a limited-period special scheme with a tenure of 500 days. The offer is available for deposits below ₹3 crore.

The non-callable option offers an additional interest benefit, but investors should remember that premature withdrawal is restricted under the applicable terms and conditions.

The 7.65% rate is the highest among the four schemes compared here, but it is available only to super senior citizens opting for the non-callable deposit.

State Bank of India: Amrit Vrishti FD (444 days)

The listed base interest rate for general customers is 6.45% per annum. Eligible senior citizens receive an additional 0.50 percentage point, taking the rate to 6.95%. Super senior citizens aged 80 years and above may receive an additional 0.10 percentage point under the SBI Patrons benefit, taking the effective rate to 7.05%, subject to scheme eligibility.

Bank of Baroda: Golden Goal FD (555 days) and Square Drive FD (444 days)

Bank of Baroda offers two specially named fixed deposit schemes: bob Golden Goal Deposit Scheme and bob Square Drive Deposit Scheme. Both schemes are available for retail deposits below ₹3 crore.

Indian Bank: IND Grow FD (555 days) and IND Prosper FD (777 days)

Indian Bank offers specially designed fixed deposit schemes under the names IND Grow and IND Prosper.

The IND Grow scheme has a tenure of 555 days, while IND Prosper comes with a maturity period of 777 days. Both are available for retail deposits starting at ₹1,000 and below ₹3 crore.

Indian Bank also offers the IND Supreme 2.0 scheme for 300 days and IND Green for 500 days.

BOI vs SBI vs Bank of Baroda vs Indian Bank: Special FD rate comparison

Which bank offers the highest special FD interest rate?

Among the four banks compared, Bank of India offers the highest interest rate under its 500-day Akshay Fixed Deposit scheme for general and senior citizen customers.

General customers: BOI offers the highest rate of 6.85%, followed by Bank of Baroda Golden Goal at 6.75%.

Senior citizens: BOI leads with 7.35%, followed by Bank of Baroda Golden Goal at 7.25%.

Super senior citizens: BOI offers 7.50%, while Indian Bank IND Grow offers a competitive 7.40%.

Bank of Baroda's Golden Goal FD offers 6.75% to general customers and 7.25% to senior citizens for 555 days.

Indian Bank's IND Grow FD offers 6.65% to general customers, 7.15% to senior citizens and 7.40% to super senior citizens.

SBI's Amrit Vrishti offers 6.45% to general customers and 6.95% to senior citizens for 444 days. Eligible super senior citizens can receive 7.05% under the SBI Patrons benefit.