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Fixed deposit comparison

Federal Bank Tax Savings Deposit vs Bank of Baroda bob Tax Saving Fixed Deposit

Compare Federal Bank Tax Savings Deposit and Bank of Baroda bob Tax Saving Fixed Deposit using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.

Fixed deposit comparison

Federal Bank Tax Savings Deposit vs Bank of Baroda bob Tax Saving Fixed Deposit

Compare the two source-backed records without collapsing unlike conditions into a winner score.

Latest underlying reviewSeptember 10, 2026
Federal BankFederal Bank Tax Savings Deposit

Eligible Federal Bank customers who want a five-year locked deposit whose current rate can be tied directly to Federal’s resident term-deposit schedule.

Cost / pricing
Federal states that Resident Term Deposit rates also apply to Federal Tax Savings Deposits. Under the schedule effective 17 August 2026, the above-48-months-to-10-years band is 6.40% p.a. general and 6.90% p.a. for eligible resident senior citizens.
Reviewed
September 10, 2026
Evidence
2 bank sources
Open product research
Bank of BarodaBank of Baroda bob Tax Saving Fixed Deposit

Eligible Bank of Baroda customers who want a public-sector tax saver with multiple payout variants and can verify the live prevailing five-year rate before booking.

Cost / pricing
Bank of Baroda states that the product uses the prevailing fixed-deposit rate and gives eligible resident senior citizens an additional rate under current guidelines. The exact current five-year numeric row remains refresh-gated in this review.
Reviewed
September 10, 2026
Evidence
2 bank sources
Open product research
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littleden.blog · Comparison research sheet

Federal Bank Tax Savings Deposit vs Bank of Baroda bob Tax Saving Fixed Deposit

Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare-banking/federal-tax-savings-deposit-vs-bob-tax-saving-fixed-deposit/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Are you comparing the same customer, amount and tenure?Start with the eligible customer or relationship and any balance, funding or tenure requirement.

Federal Bank Tax Savings Deposit

Taxpayer / regime eligibility
Federal publishes product-opening eligibility including individuals and HUFs plus some non-individual entities; the tax deduction itself is modeled only under the current statutory eligibility/regime rather than generalized to every opener.
Qualifying amount / lock-in
Minimum ₹100 and thereafter in ₹100 multiples; maximum ₹1.5 lakh; fixed five-year lock-in.

Bank of Baroda bob Tax Saving Fixed Deposit

Taxpayer / regime eligibility
Individuals and HUFs; firms, companies, trusts, societies, clubs, institutions and corporates are excluded by the current product page.
Qualifying amount / lock-in
Minimum ₹100 and thereafter in ₹100 multiples; maximum ₹1.5 lakh in a financial year for the qualifying investment; minimum five years and maximum ten years.
02Which dated rate schedule applies to that deposit?Match the customer category, currency, amount, tenure and effective date before comparing quoted rates. No return is calculated here.

Federal Bank Tax Savings Deposit

Current five-year rate evidence
Federal states that Resident Term Deposit rates also apply to Federal Tax Savings Deposits. Under the schedule effective 17 August 2026, the above-48-months-to-10-years band is 6.40% p.a. general and 6.90% p.a. for eligible resident senior citizens.

Bank of Baroda bob Tax Saving Fixed Deposit

Current five-year rate evidence
Bank of Baroda states that the product uses the prevailing fixed-deposit rate and gives eligible resident senior citizens an additional rate under current guidelines. The exact current five-year numeric row remains refresh-gated in this review.
03What happens if you need the money before maturity?Read the full liquidity and relationship conditions, including any recorded early-exit or payment restrictions.

Federal Bank Tax Savings Deposit

Preclosure / loan restriction
Premature withdrawal is not permitted and loan facility is unavailable. Federal’s product page lists a broader set of account-opening entities than the tax-law deduction applies to, so opening eligibility and deduction eligibility are not treated as identical.
Tax-law / maturity condition
Federal explicitly maps this product to its Resident Term Deposit rate ladder; exact five-year pricing is therefore evidence-backed from the current schedule.

Bank of Baroda bob Tax Saving Fixed Deposit

Preclosure / loan restriction
Normal premature withdrawal before maturity is not allowed; Bank of Baroda documents a death-related prepayment exception. Loan/advance treatment should not be generalized from ordinary callable deposits.
Tax-law / maturity condition
On maturity Bank of Baroda documents product-specific maturity/renewal handling; the live prevailing FD rate and maturity instruction control rather than an evergreen headline percentage.
Other maintained comparisons for Federal Bank Tax Savings DepositOther maintained comparisons for Bank of Baroda bob Tax Saving Fixed Deposit
Exact terms

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Banking product terms side by side for Federal Bank Tax Savings Deposit and Bank of Baroda bob Tax Saving Fixed Deposit
Decision factorFederal Bank Tax Savings DepositBank of Baroda bob Tax Saving Fixed Deposit
Current five-year rate evidenceFederal states that Resident Term Deposit rates also apply to Federal Tax Savings Deposits. Under the schedule effective 17 August 2026, the above-48-months-to-10-years band is 6.40% p.a. general and 6.90% p.a. for eligible resident senior citizens.Bank of Baroda states that the product uses the prevailing fixed-deposit rate and gives eligible resident senior citizens an additional rate under current guidelines. The exact current five-year numeric row remains refresh-gated in this review.
Qualifying amount / lock-inMinimum ₹100 and thereafter in ₹100 multiples; maximum ₹1.5 lakh; fixed five-year lock-in.Minimum ₹100 and thereafter in ₹100 multiples; maximum ₹1.5 lakh in a financial year for the qualifying investment; minimum five years and maximum ten years.
Deduction context / payoutQuarterly-compounded maturity value, proof-of-investment certificate availability and qualifying principal within the applicable aggregate deduction framework. Interest remains taxable/TDS-applicable.RIRD reinvestment, monthly-interest and quarterly-interest variants; qualifying principal can fall within the current aggregate statutory deduction framework. Interest remains taxable/TDS-applicable.
Preclosure / loan restrictionPremature withdrawal is not permitted and loan facility is unavailable. Federal’s product page lists a broader set of account-opening entities than the tax-law deduction applies to, so opening eligibility and deduction eligibility are not treated as identical.Normal premature withdrawal before maturity is not allowed; Bank of Baroda documents a death-related prepayment exception. Loan/advance treatment should not be generalized from ordinary callable deposits.
Taxpayer / regime eligibilityFederal publishes product-opening eligibility including individuals and HUFs plus some non-individual entities; the tax deduction itself is modeled only under the current statutory eligibility/regime rather than generalized to every opener.Individuals and HUFs; firms, companies, trusts, societies, clubs, institutions and corporates are excluded by the current product page.
Tax-law / maturity conditionFederal explicitly maps this product to its Resident Term Deposit rate ladder; exact five-year pricing is therefore evidence-backed from the current schedule.On maturity Bank of Baroda documents product-specific maturity/renewal handling; the live prevailing FD rate and maturity instruction control rather than an evergreen headline percentage.
Wrong-fit risks

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A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.

Federal Bank

Federal Bank Tax Savings Deposit

  • The deduction is part of the aggregate ₹1.5 lakh Section 123 / Schedule XV framework and is not available under the new concessional tax regime under Section 202; individual tax circumstances can differ.
  • From 1 April 2026, current tax-year references should use Section 123 read with Schedule XV of the Income-tax Act, 2025; some bank product copy still uses the legacy Section 80C label.
  • Federal’s product page still uses legacy Section 80C wording and lists some entities that should not be assumed to receive an individual/HUF tax deduction.
  • Interest remains taxable and periodic TDS can affect reinvestment maturity value.
Bank of Baroda

Bank of Baroda bob Tax Saving Fixed Deposit

  • The deduction is part of the aggregate ₹1.5 lakh Section 123 / Schedule XV framework and is not available under the new concessional tax regime under Section 202; individual tax circumstances can differ.
  • From 1 April 2026, current tax-year references should use Section 123 read with Schedule XV of the Income-tax Act, 2025; some bank product copy still uses the legacy Section 80C label.
  • The exact current five-year numeric rate is refresh-gated because the reviewed product page points to the prevailing rate without exposing a safely normalized current five-year figure.
  • The bank page contains legacy TDS/form wording; current Income-tax Act 2025 processes control from April 2026.
Research tools

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Independent source state

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Bank of Baroda

Bank of Baroda bob Tax Saving Fixed Deposit

Reviewed
September 10, 2026
Attached first-party sources
2
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First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

Federal Bank Tax Savings Deposit

Reviewed September 10, 2026 · 2 attached first-party sources

  1. Issuer product pagehttps://www.federal.bank.in/federal-tax-savings-deposit
  2. Issuer product pagehttps://www.federal.bank.in/deposit-rate

Bank of Baroda bob Tax Saving Fixed Deposit

Reviewed September 10, 2026 · 2 attached first-party sources

  1. Issuer product pagehttps://bankofbaroda.bank.in/accounts/term-deposit/fixed-deposit/tax-saving-fixed-deposit
  2. Issuer product pagehttps://bankofbaroda.bank.in/accounts/term-deposit/fixed-deposit