Bank of India FD Rates 2026: Deposit ₹2 Lakh and Secure Guaranteed Returns Up to ₹77,945
If you’re looking for a safe and rewarding investment option in 2026, Bank of India (BoI) fixed deposits (FDs) offer an excellent opportunity to grow your savings with assured returns. As one of India’s trusted public sector banks, BoI continues to provide attractive FD interest rates despite recent RBI rate changes, making it a go-to choice for conservative investors seeking steady income.
Bank of India FD Rates 2026 : A Safe Bet for Your Money
Bank of India has updated its fixed deposit interest rates for 2026, maintaining competitive and stable returns. Even after the Reserve Bank of India (RBI) slashed the repo rate by 1.25% last year, BoI has ensured its customers enjoy solid interest rates ranging from 3.00% to 7.35%, based on the tenure of the deposit.
With flexible deposit tenures from as short as 7 days to as long as 10 years, investors can select the scheme that fits their financial goals. BoI’s standout scheme, the Star Swarnim Special FD , caters to investors looking for medium-term deposits with higher interest rates, especially senior and very senior citizens.
The Star Swarnim Special FD is tailored for a tenure of 450 days and offers:
This scheme stands out for those seeking a balance between tenure length and attractive returns. Additionally, for deposits between 3 to 5 years, BoI offers:
These rates make Bank of India’s fixed deposits a lucrative option for investors who want to lock in a reliable income over the medium term.
One of the most appealing options is the 59-month FD scheme (just under 5 years). If you invest ₹2,00,000 in this scheme at the current interest rate of 6.25% for general customers, here’s what you can expect:
This FD not only secures your principal but also offers consistent, risk-free growth, making it an ideal choice for conservative investors.
Key Features & Benefits of Bank of India Fixed Deposits
Choosing Bank of India for your FD investments comes with multiple advantages:
These features make Bank of India FDs a comprehensive and flexible investment option.
Why Choose Bank of India Fixed Deposits in 2026?
Maximise Your Savings with Bank of India FD in 2026
If you want to grow your savings safely with guaranteed returns, Bank of India fixed deposits in 2026 present a compelling choice. With attractive interest rates up to 7.35%, especially in the Star Swarnim Special FD scheme, and flexible tenure options, investing ₹2 lakh can earn you returns as high as ₹77,945 or more depending on the plan. Consider Bank of India for your next FD investment to enjoy the perfect blend of security, flexibility, and rewarding interest rates.
Bank of India FD Rates 2026 : A Safe Bet for Your Money
Bank of India has updated its fixed deposit interest rates for 2026, maintaining competitive and stable returns. Even after the Reserve Bank of India (RBI) slashed the repo rate by 1.25% last year, BoI has ensured its customers enjoy solid interest rates ranging from 3.00% to 7.35%, based on the tenure of the deposit.
With flexible deposit tenures from as short as 7 days to as long as 10 years, investors can select the scheme that fits their financial goals. BoI’s standout scheme, the Star Swarnim Special FD , caters to investors looking for medium-term deposits with higher interest rates, especially senior and very senior citizens.
Star Swarnim Special FD: High Returns for Medium-Term Depositors
The Star Swarnim Special FD is tailored for a tenure of 450 days and offers:
- 6.70% interest for general customers
- 7.20% interest for senior citizens (60 years and above)
- 7.35% interest for very senior citizens (80 years and above)
This scheme stands out for those seeking a balance between tenure length and attractive returns. Additionally, for deposits between 3 to 5 years, BoI offers:
- 6.25% interest for general investors
- 6.75% interest for senior citizens
These rates make Bank of India’s fixed deposits a lucrative option for investors who want to lock in a reliable income over the medium term.
How Much Can You Earn by Investing ₹2 Lakh in BoI FD?
One of the most appealing options is the 59-month FD scheme (just under 5 years). If you invest ₹2,00,000 in this scheme at the current interest rate of 6.25% for general customers, here’s what you can expect:
- Total maturity amount: ₹2,71,302
- Interest earned: ₹71,302 (guaranteed)
This FD not only secures your principal but also offers consistent, risk-free growth, making it an ideal choice for conservative investors.
Key Features & Benefits of Bank of India Fixed Deposits
Choosing Bank of India for your FD investments comes with multiple advantages:
- Government-backed security: Your money is safe with Bank of India, a government-owned bank, ensuring utmost trust and reliability.
- Loan against FD: Need quick cash? You can avail a loan or overdraft of up to 90% of your FD amount without breaking the deposit.
- Premature withdrawal: In case of emergencies, BoI allows premature withdrawal of your FD with minimal conditions, providing liquidity when you need it.
- Flexible tenure: Choose from short-term (7 days) to long-term (10 years) deposits based on your financial planning.
These features make Bank of India FDs a comprehensive and flexible investment option.
Why Choose Bank of India Fixed Deposits in 2026?
- Stable and competitive interest rates despite RBI rate cuts
- Safe investment backed by the Government of India
- Attractive returns for senior and very senior citizens
- Loan and overdraft facilities to avoid breaking deposits
- Flexible tenure options suitable for various financial goals
Maximise Your Savings with Bank of India FD in 2026
If you want to grow your savings safely with guaranteed returns, Bank of India fixed deposits in 2026 present a compelling choice. With attractive interest rates up to 7.35%, especially in the Star Swarnim Special FD scheme, and flexible tenure options, investing ₹2 lakh can earn you returns as high as ₹77,945 or more depending on the plan. Consider Bank of India for your next FD investment to enjoy the perfect blend of security, flexibility, and rewarding interest rates.
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