Bank of India FD Rates 2026: Invest ₹2 Lakh and Earn Assured Returns of Up to ₹77,945

For investors who prefer safety, stability, and guaranteed income, fixed deposits continue to be one of the most trusted financial instruments. In 2026, Bank of India (BoI) has once again emerged as a strong option for conservative investors by offering competitive fixed deposit interest rates, even after recent changes in RBI’s monetary policy.

As a government-owned public sector bank, Bank of India provides not only attractive returns but also the assurance of capital protection. With interest rates going up to 7.35%, BoI fixed deposits are suitable for salaried individuals, retirees, and anyone looking to preserve wealth while earning steady interest.

Bank of India FD Interest Rates 2026: What Investors Should Know

Bank of India has revised its FD interest rates for 2026, ensuring that customers continue to receive stable returns despite earlier repo rate cuts by the Reserve Bank of India. Currently, BoI offers interest rates ranging from 3.00% to 7.35%, depending on the tenure and investor category.

Depositors can choose tenures starting from 7 days up to 10 years, making these schemes flexible for both short-term savings and long-term financial planning. One of the most attractive offerings is the Star Swarnim Special Fixed Deposit, designed for medium-term investors seeking higher returns.

Star Swarnim Special FD: Higher Interest for 450 Days

The Star Swarnim Special FD is a popular scheme due to its balanced tenure and rewarding interest structure. It comes with a fixed tenure of 450 days and offers differentiated rates based on age:

• 6.70% for general customers

• 7.20% for senior citizens (60 years and above)

• 7.35% for very senior citizens (80 years and above)

This scheme is especially beneficial for retirees and senior citizens looking for predictable income without market risk.

Additionally, Bank of India offers attractive rates for deposits with tenures between 3 to 5 years:

• 6.25% for general investors

• 6.75% for senior citizens

These rates allow investors to lock in returns for the medium term while protecting their capital.

₹2 Lakh Investment: How Much Will You Earn?

One of the most preferred options among investors is the 59-month FD plan, which is slightly under five years. If a general investor deposits ₹2,00,000 at an interest rate of 6.25%, the estimated returns are:

• Maturity Amount: ₹2,71,302

• Total Interest Earned: ₹71,302

For senior and very senior citizens, the maturity amount can go even higher due to additional interest benefits. This makes BoI FDs a dependable choice for individuals looking to generate risk-free, guaranteed income.

Key Benefits of Bank of India Fixed Deposits

Bank of India FDs come with several investor-friendly features:

• Government-backed security: Being a PSU bank, BoI ensures maximum safety of deposits

• Loan against FD: Avail loans or overdrafts up to 90% of the deposit value

• Premature withdrawal facility: Access funds during emergencies with minimal restrictions

• Wide tenure options: Choose deposit duration based on financial goals

• Higher rates for seniors: Extra interest for senior and very senior citizens

These benefits make BoI fixed deposits a complete and flexible savings solution.

Why Bank of India FDs Make Sense in 2026

• Stable returns even during fluctuating interest rate cycles

• Guaranteed income with zero market risk

• Ideal for retirement and long-term savings planning

• Easy liquidity through loan and premature withdrawal options

• Competitive rates compared to many other PSU banks

Conclusion: Secure Your Savings with Bank of India FDs

In 2026, Bank of India fixed deposits continue to offer an excellent mix of security, reliability, and attractive interest rates. With interest going up to 7.35%, investors can safely grow their money without worrying about market volatility. A ₹2 lakh investment can generate returns of up to ₹77,945 or more, depending on tenure and investor category.

For anyone seeking assured growth and peace of mind, Bank of India FDs remain a smart financial choice.